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Gallup, New Mexico Retirement Guide
established retirement community
64
Retirement Score
Gallup, New Mexico at a Glance
- Median Home Price
- $143,500
- State Income Tax
- State income tax; Social Security partially exempt; limited pension exemption.
- Avg January Low
- 17.5°F
- Cost of Living Index
- 90.9 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 64 / 100
Retirement Data
Affordability
Cost of Living Index
90.9 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$143,500High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$838High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
30 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security partially exempt; limited pension exemption.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
100 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
27 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
100 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
87.8°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
17.5°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
10.7"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
344 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
37.3 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
23.9 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
9.1 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
21,672High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
34.1High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
14.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$58,358High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
54.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
6.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
23.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
25.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
24.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
1.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
31.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
3.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Gallup using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$311
Stress-case monthly carrying cost
$349
Median home price used: $143,500
Median rent reference: $838 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.