What is the cost of living in Gallup, NM?
According to the most recent data on the cost of living, Gallup has an overall cost of living index of 90, which is 0.9x lower than the national index of 100.
Compared to New Mexico, Gallup has a cost of living index that's 1.0x lower than New Mexico's index of 93.
The standard of living in Gallup ranks as #13 most affordable out of the 45 places we measured in New Mexico. By definition, that implies Gallup ranks as the #32 most expensive place in the Land of Enchantment.
For more reading on life in Gallup, check out:
Gallup Cost Of Living Vs. New Mexico
Six factors go into calculating the cost of living index in Gallup. Here is how it fares on each of the criteria:
The Services index in Gallup is 103.
The Groceries index in Gallup is 99.
The Health index in Gallup is 73.
The Housing index in Gallup is 99.
The Transportation index in Gallup is 97.
The Utilities index in Gallup is 96.
| Living Expense | Gallup | New Mexico | National Average |
|---|---|---|---|
| Overall | 90 | 93 | 100 |
| Services | 103 | 98 | 100 |
| Groceries | 99 | 96 | 100 |
| Health | 73 | 86 | 100 |
| Housing | 99 | 99 | 100 |
| Transportation | 97 | 95 | 100 |
| Utilities | 96 | 94 | 100 |
Gallup Cost Of Living Compared To New Mexico Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around New Mexico, check out:
Protect your home budget Compare home warranties in Gallup Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Gallup, NM Housing Cost Breakdown
Housing swings affordability the most between places in New Mexico, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Gallup is $219,327.
The Median Rent in Gallup is $927.
The Median Income in Gallup is $58,303.
The Home Value To Income in Gallup is 3.8x.
The Rent To Monthly Income in Gallup is 0.19x.
| Statistic | Gallup | New Mexico | United States |
|---|---|---|---|
| Median Home Value | $219,327 | $316,750 | $332,700 |
| Median Rent | $927 | $1,067 | $1,413 |
| Median Income | $58,303 | $64,059 | $80,734 |
| Home Value To Income | 3.8x | 4.9x | 4.1x |
| Rent To Monthly Income | 0.19x | 0.2x | 0.21x |
Gallup, NM Costs By Category
Detailed Gallup Services costs vs. New Mexico
| Item | Gallup | New Mexico |
|---|---|---|
| Shampoo | $1.15 | $1.28 |
| Movie | $12.54 | $12.13 |
| Bowling | $20.89 | $18 |
| Haircut | $31.9 | $24.26 |
| Beauty Salon | $50.83 | $45.56 |
Detailed Gallup Groceries costs vs. New Mexico
| Item | Gallup | New Mexico |
|---|---|---|
| Ground Beef | $5.11 | $5.84 |
| Fried Chicken | $1.32 | $1.57 |
| Milk | $4.63 | $4.67 |
| Potatoes | $4.18 | $4.93 |
| Pizza | $13.42 | $12.09 |
| Beer | $11.07 | $10.41 |
| Toothpaste | $3.62 | $3.7 |
Detailed Gallup Health costs vs. New Mexico
| Item | Gallup | New Mexico |
|---|---|---|
| Optometrist | $136.89 | $125.68 |
| Doctor | $134.17 | $135.78 |
| Dentist | $111.42 | $113.29 |
Detailed Gallup Transportation costs vs. New Mexico
| Item | Gallup | New Mexico |
|---|---|---|
| Gasoline | $3.5 | $3.46 |
| Tire Balancing | $43.87 | $59.92 |
Detailed Gallup Utilities costs vs. New Mexico
| Item | Gallup | New Mexico |
|---|---|---|
| All Electricity | $191.24 | $193.99 |
| Phone | $190.51 | $192.25 |
Gallup SnackAbility
Cost Of Living In Cities Around Gallup
The cost of living varies in the cities and towns around Gallup. Here's a quick look at the cost of living in the most populous nearby places:
Zuni Pueblo, NM has a cost of living index of 81, 0.9x Gallup.
| City | Population | Cost Of Living | Vs. Gallup |
|---|---|---|---|
| Zuni Pueblo, NM | 5,864 | 81 | 0.9x |
