Can I afford this house in New Mexico

Can you afford this house in New Mexico? PITI uses a mortgage P&I plus the Tax Foundation 2026 statewide effective property tax (0.63% of home value per year; local millage differs) and a conservative homeowners-insurance placeholder you edit — not a county premium. Compared with 28/36 of gross and with estimated take-home from the New Mexico paycheck model. Mortgage rate default is FRED MORTGAGE30US (Freddie Mac PMMS). Estimate, not lending or tax advice.