States › New Mexico › Gallup

Is Gallup, NM expensive to live in?

OKRent takes 22 cents of every $1 people earn here.
🏠 Rent per month (2026)$1,13535% lower than U.S. average
💵 Families earn per year (2026)$62,880about $5,240/month · 28% lower than U.S. average
🔑 House price$165,20050% lower than U.S. average

Rent is lower than in 80% of U.S. cities. A typical house costs under 3 years of household income, which is easy by U.S. standards.

How much money do I need?

To rent here comfortably, you should earn about $45,400 a year. That is $22 an hour at a full-time job.

Is rent cheaper than other New Mexico cities?

Yes. Rent here is cheaper than in most of New Mexico. It is number 18 of 44 cities from cheapest to most expensive.

Gallup
$1,135
Los Lunas
$1,177
Chaparral
$904
Sunland Park
$1,248
Deming
$797
Alamogordo
$1,225
Carlsbad
$1,050

How much do households earn in Gallup?

Under $25k
22.2%
$25k–50k
22.5%
$50k–100k
33.1%
$100k–150k
8.0%
$150k+
6.1%

Share of households by yearly income. 14.1% of households earn $100,000 or more.

Rent by apartment size in Gallup

SizeGallupU.S. average
Studio$648$1,338
1 bedroom$779$1,324
2 bedrooms$994$1,509
3 bedrooms$1,428$1,698

Median monthly rent plus utilities for all renters, by number of bedrooms.

How expensive is Gallup overall?

Everyday prices in New Mexico overall are 8% below the U.S. average (index 92.2, U.S. = 100).

Housing
74
Goods (food, clothes…)
96
Utilities
78
Other services
99
U.S. average
100

Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for Gallup, so the New Mexico figure is shown.

Taxes and bills in Gallup

🏛️ Property tax$1,696a year · 1.03% of home value · U.S. $3,119
⚡ Electric bill$140a month (typical) · U.S. $156

Life in Gallup

Commute to work20.5 minU.S.: 26.4 min
College degree23.5%U.S.: 35.7%
Own their home52.1%U.S.: 65.2%
Below poverty line26.8%U.S.: 12.5%
Unemployment5.7%U.S.: 5.2%

Is it cheaper to rent or buy in Gallup?

About the same. Renting and owning cost within $11 of each other each month.

Renting
$1,135
Owning
$1,146

Owning assumes a typical $165,200 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $16,520 for the down payment.

Frequently asked questions

What is the average rent in Gallup, NM?

Renting in Gallup costs a median of about $1,135 a month in 2026, including utilities. The New Mexico median is $1,181.

How much do I need to make to live in Gallup?

To keep rent under 30% of income, you need about $45,400 a year, or $22 an hour at a full-time job.

Is Gallup cheap or expensive?

Gallup is rated OK: rent takes 21.7% of the typical household income of $62,880. It ranks 18th cheapest of 44 New Mexico cities we track.

How much are property taxes in Gallup?

The median homeowner in Gallup pays $1,696 a year in property taxes, about 1.03% of the median home value.

Is Gallup more expensive than the national average?

Overall prices in New Mexico are 8% below the U.S. average, according to the U.S. Bureau of Economic Analysis.

How much does a house cost in Gallup?

The median home value in Gallup is $165,200, about 2.6 times the typical yearly household income.

21,023 people live in Gallup. Numbers are typical (middle) values.