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19378 Us Highway 84, Hernandez, NM, 87537

1beds
--baths
914sqft
$124,900
$137price/sqft
$855/moest. monthly cost
$34,200/yrincome needed

About This Home

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
5/10
6/10

Construction

Materials

  • Roof: Metal,Pitched
  • Construction materials: Adobe

Type & Style

  • Home type: SingleFamily
  • Architectural style: Northern New Mexico
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 1

Features

  • No Interior Steps
  • Flooring: Dirt,Other,See Remarks,Wood

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total structure area: 914
  • Total interior livable area: 914 sqft

Property

Accessibility

  • Accessibility features: Not ADA Compliant

Details

  • Parcel number: 1044124498102

Features

  • Levels: One
  • Stories: 1
  • Living area range: 501-1,000

Lot

  • Lot size: 0.62 Acres

Parking

  • Total spaces: 6
  • Parking features: None

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningVery High
  • Wildfire
    WildfireRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Wildfire
Cold Wave
Drought
Earthquake
Winter Weather

FEMA Declared Disasters in Rio Arriba County and New Mexico

Fire
Flood
Mud Landslide
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $631$7,572
Home Insurance *$54$648
Property Taxes $22$264
Electricity $148$1,780
Total$855$10,260
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$29,314/yr
40% on housing$25,650/yr
45% on housing$22,800/yr

New Mexico FAIR Plan Programs

New Mexico Property Insurance Program

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 7,506Commercial: 306
Total Premiums$5.96M
Total Exposure$950.67M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.7%
10.7%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.0%
-1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$137This listing

vs Other Active Listings

Avg $/sqft

ZIP 87537$38
Rio Arriba County$713

vs Homes Sold Last Month

Median $/sqft

ZIP 87537$194
Rio Arriba County$200

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-02-16Listed for sale$149,000

For Sale by Agent

AgentJohnny Chacon
BrokerageRealty One of Santa Fe

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