Homeowner Insurance Costs in Santa Fe County, NM

How much does homeowner insurance cost in Santa Fe County? Here's what to expect.

Est. Annual Premium

$2,058

Monthly Cost

$172

Median Home Value

$374,200

% of Income

2.9%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$374,200
Personal Property (C)$187,100
Liability (E)$300,000
Deductible$3,742

Cost Context

Homeownership Rate71.5%
Median Income$70,522
Property Tax Rate0.5%
Population154,481

About Insurance in Santa Fe County

Homeowner insurance in Santa Fe County, New Mexico costs an estimated $2,058 per year for a median-value home of $374,200. This represents approximately 2.9% of the median household income of $70,522.

Actual premiums depend on your home's age, construction type, claims history, credit score, proximity to fire stations, and specific peril exposures. Use our calculator for a personalized total cost of risk analysis with peril-by-peril breakdown.

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Other Counties in New Mexico

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Insurance Information Institute, state insurance departments. Estimates are county-level approximations. This is not insurance advice.