Safe Rate Local
Learn about the people, housing, costs and businesses in Santa Fe
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Santa Fe.
True all-in cost — P&I, taxes, insurance & utilities for homes in Santa Fe.
Find and compare lenders active near Santa Fe.
FEMA flood zones and flood insurance estimates for Santa Fe.
Seismic risk and earthquake insurance estimates for Santa Fe.
Wildfire exposure and insurance estimates for Santa Fe.
Mortgage rates for Santa Fe are updated daily on Safe Rate using live investor pricing. Rates depend on your credit score, loan type (Conventional, FHA, VA, Jumbo), and down payment. A 30-year fixed rate is the most common product for home purchases.
View current rates for Santa FeThe median home value in Santa Fe is $486k. The median monthly rent is $1,457. Annual property taxes average $2k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Santa Fe have increased 19.8% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,303/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $56k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Santa Fe is $82k/year.
Calculate your buying powerThe largest employment sectors in Santa Fe are public administration (23%) and healthcare (18%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.