Cost of living in Gallup, New Mexico
Simple answer
Typical rent is $927 a month.
Gallup is a city in New Mexico. That rent number includes utilities. A typical household earns $58,303 a year.
- People
- 21,023
- Census average, 2020–2024
- Typical rent
- $927
- Median gross rent, includes utilities
- Typical pay
- $58,303
- Median household income, yearly
- Typical home
- $165,200
- Median home value
- 2-bedroom fair rent
- $1,140
- McKinley County, NM
Gallup, New Mexico has about 21,023 people. That count is a 2020–2024 Census average, not a headcount from one day.
A typical home is worth about $165,200.
HUD's fair-market rent for a 2-bedroom in McKinley County is $1,140 a month. That is the county number, not an apartment listing in Gallup. It runs from October 2026 through September 2027.
New Mexico's prices sit at 92.2 when the U.S. average is 100. This place is not in a metro area with its own index, so this is the state number from BEA for 2024.
New Mexico taxes wages. A typical combined sales tax is 7.7% as of January 1, 2026. That mix is statewide, not Gallup's exact store tax.
In July 2026, a typical New Mexico home paid 16.09¢ per kilowatt-hour. That is a state average from EIA, not Gallup's bill.
EIA did not publish a 2025 all-grades gas price for New Mexico in the table we use.
Among 117 places we list in New Mexico with a rent figure, 59 have higher typical rent than Gallup.
Nearby places
- Gamerco
Typical rent $860
Compare with Gallup - Church Rock
Typical rent $780
Compare with Gallup - Iyanbito
Typical rent $642
Compare with Gallup - Window Rock
Typical rent $732
Compare with Gallup - St. Michaels
Typical rent $839
Compare with Gallup - Fort Defiance
Typical rent $856
Compare with Gallup - Black Rock
Typical rent $726
Compare with Gallup - Thoreau
Typical rent $483
Compare with Gallup
EBT nearby
USDA has a live map of stores that take SNAP. We did not copy that store list here. The downloadable file is a history file for 2005 through 2025, so the live map is the one to use.
Locator page updated 2026-09-11. Last checked 2026-10-16.
Food stamps (SNAP) tools in New Mexico
Bigger places in New Mexico
Census 2020-2024. HUD rents for October 2026–September 2027. BEA prices for 2024. Taxes as of January 1, 2026. Checked 2026-10-16. 15,000 places are in this guide.