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Santa Fe, New Mexico Retirement Guide
mild summerslow crime rate
46
Retirement Score
Santa Fe, New Mexico at a Glance
- Median Home Price
- $449,900
- State Income Tax
- State income tax; Social Security partially exempt; limited pension exemption.
- Avg January Low
- 17°F
- Cost of Living Index
- 90.9 (US avg = 100)
- Best For
- mild summers, low crime rate
- RetireCityIQ Score
- 46 / 100
Things to Consider
- limited healthcare options
- harsh winters
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
$449,900High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,316High 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)
40.3 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
51.3 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
40.3 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
82°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
17°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
14"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
283 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
99.1 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
24.8 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
3.4 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
87,617High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
44.5High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
24.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$67,663High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
64.3%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+
44.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
13.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
68.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
1.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
53.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
1.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Santa Fe using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$975
Stress-case monthly carrying cost
$1,095
Median home price used: $449,900
Median rent reference: $1,316 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.