Photo by Pete Alexopoulos on Unsplash (https://unsplash.com/@pete_a)
Gallup, New Mexico Retirement Guide
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
Overview
Explore the key retirement factors for Gallup, New Mexico, including cost of living, taxes, healthcare quality, and climate data.
Cost of Living
Affordability Metrics
Gallup's cost of living is 9.099999999999994% below the national average. For a detailed breakdown of expenses, see our cost of living methodology.
Housing
Real Estate & Housing
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.
Budget validation
Calculate if your savings last in this city
Use RetireFree to test whether your portfolio can support retirement in Gallup, New Mexico after local housing costs, taxes, healthcare, inflation, and withdrawal timing.
Open the RetireFree Calculator →Healthcare
Access & Quality
Quality of care and specialist availability are critical for a successful retirement. Gallup scores 100 out of 100 for healthcare access.
Care planning link
Find local assisted living in Gallup
If your city research includes aging parents, future care needs, or a move closer to family, compare local care options alongside housing and healthcare access.
Assisted living in Gallup →Taxes
State Tax Climate
New Mexico has a tax environment that is moderate for retirees.
Climate
Weather & Environment
With 344 sunny days a year and an average January low of 17.5°F, Gallup offers a traditional winter climate.
Safety & Walkability
Community Safety
Walkability
Demographics
Population Profile
Diversity Breakdown
Frequently asked questions about retiring in Gallup
Is Gallup, New Mexico a good place to retire?▾
Gallup, New Mexico is one of the US retirement-friendly cities tracked by RetireCityIQ. Notable retirement-relevant traits include established retirement community. See the at-a-glance card on this page for the cost of living, state tax treatment, climate, and healthcare access metrics.
What is the cost of living in Gallup, New Mexico for retirees?▾
The cost-of-living index is 91, roughly 9% below the national average of 100. Median home price is around $143,500.
Does New Mexico tax Social Security or retirement income?▾
For New Mexico residents: State income tax; Social Security partially exempt; limited pension exemption.
What is the climate like in Gallup, New Mexico?▾
Gallup, New Mexico has January average low around 18°F, July average high around 88°F. Climate normals are based on 30-year averages from NOAA's National Centers for Environmental Information.
What is healthcare access like in Gallup, New Mexico?▾
Gallup scores 100/100 on the RetireCityIQ healthcare access index — a top-tier score. The index combines CMS hospital quality ratings, Medicare Advantage plan availability, and hospitals per 100,000 residents (KFF + CMS data).