Cochiti Lake, NM population, income and ZIP codes

Cochiti Lake CDP is a very small community in New Mexico, with 453 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #267 of 527 ranked by population — larger than 49% of them. The median age here is 67 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Cochiti Lake CDP earn a median of $54,861 a year, 30.1% below the national figure of $78,538 and within a couple of points of the $54,029 median for the 153 New Mexico cities we cover. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 6.6% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Cochiti Lake CDP is valued at $208,100, 31.4% below the national figure and 10% above the $190,000 peer median, while median gross rent runs $1,482 a month, 5.4% above the national figure, or roughly $17,784 across a full year. A household on the local median income would put about 32.4% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is a stretch on median earnings. The home-price-to-income ratio works out to 3.8×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 91.8% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Cochiti Lake CDP is the unusual combination of expensive to rent and cheap to buy: rent takes 32.4% of median income while homes cost only 3.8× it. Where that pattern shows up, the gap is normally down to down-payment and credit barriers rather than price. A median age of 67 puts Cochiti Lake CDP well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.