HomeNew MexicoLincoln CountyRuidoso
Ruidoso, New Mexico: commercial real estate data.
Ruidoso is a Census village of 7,699 people across 16.13 square miles of land, in Lincoln County. Median household income is $52,736, 68.4 percent of occupied homes are owned, and the SBA record carries 24 7(a) approvals to borrowers here worth $13.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Ruidoso
What Ruidoso is
- Census place typevillage
- Land area16.13 sq mi
- Water area0.02 sq mi
- Population per square mile of land477
- County holding the largest share of its areaLincoln County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ruidoso
How many people live in Ruidoso
- Population7,699
- Median age44.8
- Population under 181,234 plus or minus 250
- Share under 1816.0 percent plus or minus 3.2
- Population 65 and over2,216
- Share 65 and over28.8 percent
- Households3,941
- Family households2,093
- Share of households that are families53.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ruidoso
Income and work in Ruidoso
- Median household income$52,736
- Per capita income$35,658
- Civilian labor force3,622
- Employed3,501
- Unemployed121 plus or minus 108
- Unemployment rate3.3 percent plus or minus 3.0
- Adults 25 and over6,082
- Adults 25 and over with a high school diploma or higher94.3 percent
- Adults 25 and over with a bachelor degree or higher35.4 percent plus or minus 7.5
- Adults 25 and over with a graduate degree11.1 percent plus or minus 3.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ruidoso
Housing in Ruidoso
- Housing units8,294
- Occupied units3,941
- Vacant units4,353
- Vacancy rate52.5 percent
- Owner occupied2,697
- Renter occupied1,244 plus or minus 372
- Ownership rate68.4 percent
- Median owner-occupied home value$243,800
- Median gross rent, monthly$944
- Annual rent as a share of median income21.5 percent plus or minus 4.8
- Single family units6,037
- Share single family72.8 percent
- Units in buildings of two or more960 plus or minus 307
- Share in buildings of two or more11.6 percent plus or minus 3.7
- Mobile homes1,297 plus or minus 294
- Median year structure built1981
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ruidoso
How Ruidoso gets to work
- Workers 16 and over who commute3,001
- Commuting under 15 minutes1,819 plus or minus 433
- Share commuting under 15 minutes60.6 percent plus or minus 12.3
- Commuting 30 minutes or more471 plus or minus 225
- Share commuting 30 minutes or more15.7 percent plus or minus 7.2
- Drove alone75.8 percent
- Carpooled6.6 percent plus or minus 4.0
- Public transport0.3 percent plus or minus 0.2
- Walked1.3 percent plus or minus 1.8
- Worked from home12.9 percent plus or minus 5.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ruidoso
SBA loans in Ruidoso (7(a))
- Approvals24
- Gross approval$13,089,400
- Average approval$545,392
- Median approval$200,000
- Ninetieth percentile approval$1,148,350
- Largest approval$3,793,100
- Jobs supported201
- Jobs per approval8.4
- Loans with a final outcome11
- Paid in full11
- Charged off0
- Median term240 months
- Share on real estate terms of 20 years or more54.2 percent
- Share to franchises4.2 percent
- Distinct lenders9
- Distinct industries by NAICS19
Counted by borrower city: approvals to borrowers whose address is in Ruidoso, in any county, FY2020 to FY2026. Only 11 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Ruidoso
SBA loans in Ruidoso (504)
- Approvals6
- Gross approval$2,574,000
- Average approval$429,000
- Median approval$448,500
- Largest approval$748,000
- Jobs supported24
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Ruidoso, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Ruidoso
Flood risk in Ruidoso
- NFIP communityVillage of Ruidoso
- NFIP community number350033
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date11/05/14
The Village of Ruidoso participates in the National Flood Insurance Program as community 350033 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Lincoln County, not Ruidoso
Lincoln County context, not Ruidoso figures
- Establishments in Lincoln County695
- Covered employment, Lincoln County6,782
- Average annual pay, Lincoln County$43,202
- Housing units permitted, Lincoln County92
Every figure in this section is published for Lincoln County as a whole and is not a measurement of Ruidoso.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Ruidoso questions, answered from the record.
How many people live in Ruidoso, New Mexico?
7,699, in 3,941 households. Ruidoso village covers 16.13 square miles of land, which is 477 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Ruidoso in?
Lincoln County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Ruidoso?
$52,736. The median owner-occupied home is valued at $243,800. Median gross rent is $944 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Ruidoso businesses?
24 7(a) approvals totaling $13.1 m since FY2020, across 9 lenders, median approval $200,000, plus 6 504 approvals worth $2.6 m since FY2010. These count approvals to borrowers whose address is in Ruidoso, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Ruidoso borrowers get paid back?
No rate is published for Ruidoso. Only 11 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Ruidoso in the National Flood Insurance Program?
Yes. Ruidoso appears in the FEMA Community Status Book as Ruidoso, village of, community 350033, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Ruidoso figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Lincoln County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Ruidoso.
Is zoning published for Ruidoso?
No. Nothing on this page presents parcel level zoning.
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