Market Overview
Home Prices in Kirtland, NM
The median home value in Kirtland, NM is $239,039 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.2% compared to a year ago and up 0% from two years prior.
Compared to the U.S. national median of $410,000, homes in Kirtland are priced42% below average. Kirtland is part of the Farmington, NM metro area.
Over the past five years, Kirtland home values have risen by approximately18.7%, reflecting steady appreciation in this market.
Price History
Kirtland Home Price Trend
City Comparison
Kirtland vs. National Median
At $239,039, homes in Kirtland cost 42% below the national median of $410,000. This makes Kirtland a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Kirtland?
20% Down Payment
$47,808
on $239,039
Monthly P&I
$1,247/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,584/mo
incl. taxes & insurance
Income Needed
$63,360
gross annual (30% rule)
10% Down Option
$23,904
+ PMI applies
Loan Amount (20% dn)
$191,231
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Kirtland, NM?
The median home value in Kirtland is $239,039 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.2% year-over-year.
How much have home prices changed in Kirtland?
Over the past year, home values in Kirtland have increased by 5.2%. Over five years, prices have risen approximately 18.7%.
How much do I need to earn to buy a home in Kirtland?
To comfortably afford the median home price of $239,039 with a 20% down payment ($47,808) at today's rates (6.8%), you'd need a gross annual income of approximately $63,360. This assumes keeping total housing costs at or below 30% of gross income.
How does Kirtland compare to the national average home price?
The national median home value is approximately $410,000. At $239,039, homes in Kirtland are 42% below the national average.
What metro area is Kirtland part of?
Kirtland is part of the Farmington, NM metropolitan area. Home prices and market conditions can vary across the broader metro region.