Photo by Pete Alexopoulos on Unsplash (https://unsplash.com/@pete_a)
Albuquerque, New Mexico Retirement Guide
established retirement community
39
Retirement Score
Albuquerque, New Mexico at a Glance
- Median Home Price
- $288,700
- State Income Tax
- State income tax; Social Security partially exempt; limited pension exemption.
- Avg January Low
- 23°F
- Cost of Living Index
- 90.9 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 39 / 100
Things to Consider
- higher state tax burden
- limited healthcare options
Retirement Data
Affordability
Cost of Living Index
90.9 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$288,700High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,037High confidence
U.S. Census ACS 1-Year · Updated April 2026
Taxes
Retirement Tax Score
30 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security partially exempt; limited pension exemption.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
16.7 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
26.5 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
16.7 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
93°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
23°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
9.5"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
280 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
42.7 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
19.5 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
4.5 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
562,551High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
38.0High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
16.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$61,503High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
60.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
8.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
37.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
16.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
60.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
3.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
49.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
3.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Albuquerque using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$626
Stress-case monthly carrying cost
$703
Median home price used: $288,700
Median rent reference: $1,037 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.