New Mexico Airbnb Calculator
Project a New Mexico short-term rental with state property-tax and insurance defaults, editable platform fees, lodging-tax treatment, operating expenses, cash flow, and break-even occupancy.
Local verification required. New Mexicodefaults do not determine whether an STR is legal at a specific address. Verify city, county, zoning, HOA, primary-residence, permit, tax-registration, and platform collection rules before relying on the projection.
New Mexico STR assumptions
This page seeds the calculator with a starting property value of $270,000.00 and a starting ADR of $138.00. These are screening defaults, not local revenue data. Replace them with nearby comparable STRs, seasonality, and actual booking history when available.
Property tax is seeded from the New Mexico effective property-tax rate of 0.63%. Insurance uses the same state risk model as the other REI analyzers. Lodging tax is deliberately user-entered because city, county, tourism, convention, and occupancy taxes are often local.
STR diligence note from the New Mexico investing profile: No statewide restrictions. Santa Fe and Albuquerque have STR ordinances. Santa Fe has historically been restrictive of investor-owned STRs. Santa Fe STR rules are evolving.
Market context: Albuquerque/Bernalillo County (largest market, most liquid, hybrid). Santa Fe/Santa Fe County (premium appreciation/STR market, arts tourism economy). Las Cruces/Doña Ana County (NMSU university market, affordable cash flow, border economy). Rio Rancho/Sandoval County (Albuquerque suburb, Intel plant, growing). Farmington/San Juan County (oil/gas economy, cash flow).
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