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Española, New Mexico Retirement Guide
established retirement community
51
Retirement Score
Española, New Mexico at a Glance
- Median Home Price
- $188,100
- State Income Tax
- State income tax; Social Security partially exempt; limited pension exemption.
- Avg January Low
- N/A
- Cost of Living Index
- 90.9 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 51 / 100
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
$188,100High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$739High confidence
U.S. Census ACS 5-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)Data not available
Aging-in-Place Score (proxy)
20.2 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access ScoreData not available
Climate
Avg July HighData not available
Avg January LowData not available
Annual PrecipitationData not available
Sunny Days / YearData not available
Safety
Safety Score
37.3 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
11.3 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
1.1 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
10,473High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
35.6High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
18.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$44,427High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
64.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
6.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
17.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
18.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
39.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
1.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
84.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
1.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Española using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$408
Stress-case monthly carrying cost
$458
Median home price used: $188,100
Median rent reference: $739 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.