Kirtland cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexKirtlandNew MexicoNational
Cost of living index9294100
IndexKirtlandNew MexicoNational
Goods & Services index10095100
Groceries index114105100
Health care index92100100
Housing index7789100
Transportation index76100100
Utilities index9390100
A general overview of the cost of living index for Kirtland, NM is displayed above. In Kirtland, NM, the overall cost of living index is 92, which is 3% lower than the New Mexico average and 8% lower than the U.S. average. The following categories are used to calculate the overall cost of living index: goods/services (33%), housing (30%), groceries (13%), utilities (10%), transportation (9%) and health care (5%). From the list, it is clear that the categories of goods/services and housing are responsible for the largest portions of the overall cost of living index. As a general rule, everyday goods and services provide an accurate measure of the general cost of goods in any given city. In the case of Kirtland, NM, the city's goods and services are 6% higher than the New Mexico average and equal to the U.S. average.

Did you know?

  • The cost of living in Kirtland is 3% lower than the New Mexico average.
  • The cost of living in Kirtland is 8% lower than the national average.
  • The cost of housing in Kirtland is 23% lower than the national average.
  • New Mexico general sales tax is 1% higher than the national average.
  • New Mexico state income tax is 24% lower than the national average.

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Salary Calculator

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Use the salary calculator to compare your current income in Kirtland, NM to any other city in the country. The calculator will tell you how much income you would need to make in a particular city to live at the same level based on the cost of living in each city. For example, if the cost of living in the city you are looking to move to is higher than that of Kirtland, NM, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Kirtland, NM salary calculator, enter the name of the new city, then move the slider to your current salary level. The salary calculator will do the rest and let you know if your salary would need to increase or decrease for the new city. You will also see a complete overview of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
If you want to find a good determining factor for the cost of living and the general affordability of housing in Kirtland, NM, all you must look at is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Kirtland, NM, the median monthly income is $63,980 for those who own their own homes. Under the standard rule, that income level would allow for $1,493 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $30,386, per the median income in the area. That would allow for renters to spend up to $709 on monthly rental expenses.

New Mexico Sales Tax

StateGeneral Sales TaxWith Max Surtax
New Mexico5.125%8.688%

New Mexico Income Tax

StateIncome Tax (Low)Income Tax (High)
New Mexico1.7%4.9%
One thing to keep in mind when considering the cost of living in Kirtland, NM is the New Mexico sales tax and New Mexico income tax rates. Sales taxes are taxes that are collected on most goods or services sold. Sales taxes can vary by state and can be as high as 7% and as low as 0% as not every state imposes a sales tax. The New Mexico sales tax rate is 5.125% and the maximum surtax that can be charged is 8.688%. Income tax is the tax imposed on income by both the federal and state government. The income tax rates varies by individual state and will also be higher or lower depending on the applicable tax bracket. The rates of state income tax can vary from 0% to more than 9%. The New Mexico income tax rates range from 1.7% to 4.9%.

Goods & Services

ItemKirtlandNational avg.Difference
Haircut $18.23$15.5617.1%
Beauty Salon $25.27$36.1130.0%
Toothpaste $3.13$2.4726.4%
Shampoo $0.99$0.962.6%
Movie $9.53$10.135.9%
Bowling $3.79$4.7420.1%


ItemKirtlandNational avg.Difference
Ground Beef $3.41$3.9814.5%
Fried Chicken $1.86$1.4131.8%
Milk $3.42$2.0665.6%
Potatoes $3.58$2.9820.0%
Pizza $10.14$9.477.0%
Beer $9.03$8.792.7%

Health Care

ItemKirtlandNational avg.Difference
Optometrist $88.20$101.0412.7%
Doctor $117.65$107.449.5%
Dentist $81.15$90.4210.2%
Ibuprofen $8.98$9.283.3%
Lipitor $306.33$426.5028.2%


ItemKirtlandNational avg.Difference
Home Price $118,700.00$175,700.0032.4%
Avg. Mortgage Payment $1,493.72$1,133.2331.8%
Apartment Rent $904.00$920.001.7%


ItemKirtlandNational avg.Difference
Gasoline $1.40$1.9929.8%
Tire Balancing $41.07$45.7610.2%


ItemKirtlandNational avg.Difference
All Electricity$142.39$163.8113.1%
Phone $29.05$28.392.3%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Nenahnezad, NM70078-22%
North Light Plant, NM47480-20%
Napi Headquarters, NM73279-21%
Ojo Amarillo, NM76881-19%
Upper Fruitland, NM1,62386-14%
Kirtland, NM6,18992-8%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Port Wentworth, GA6,18997-3%
Carlstadt, NJ6,18913535%
Braidwood, IL6,19196-4%
Crosspointe, VA6,19318383%
Somerset, PA6,18588-12%
Kirtland, NM6,18992-8%
Source: The Kirtland, NM cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.