Cost of Living in Belen, NM

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12%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
36%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Belen New Mexico National
Cost of living8894100
Groceries9998100
Health care9798100
Housing6485100
Transportation10098100
Utilities9597100
Lifestyle & Entertainment9396100
Household Items9898100
Education & Childcare9996100
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Homes For Sale In Belen, NM

property for sale

5 Camey St

Belen, NM
property for sale

107 Vista Manzano

Rio Communities, NM
property for sale

13 Tarugo Rd

Belen, NM
property for sale

5 Diablo Rd

Belen, NM
See the Newest Homes For Sale In Belen, NM

Cost Of Living Quick Facts

  • The cost of living in Belen is 7% lower than the New Mexico average
  • The cost of living in Belen is 12% lower than the national average
  • Belen housing is 36% lower than the national average
  • New Mexico general sales tax is 2% lower than the national average
  • New Mexico state income tax is 35% lower than the national average

Most Affordable Places to Live in and Around Belen

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Compare Belen, NM Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$56,838$4,737$1,326$1,705
      Renters$39,621$3,302$924$1,189
      A good indicator of the general affordability of housing in Belen, NM, 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 Belen, the median monthly income is $56,838 for those who own their own homes. Under the standard rule, that income level would allow for $1,326 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $39,621, per the median income in the area. That would allow for renters to spend up to $924 on monthly rental expenses.

      New Mexico Sales Tax

      State General Sales Tax With Max Surtax
      New Mexico 5% 8.688%

      New Mexico Income Tax

      State Income Tax (Low) Income Tax (High)
      New Mexico 1.7% 5.9%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Chical, NM209982.3%
      Adelino, NM1,137982.3%
      Abeytas, NM253982.3%
      Las Nutrias, NM108982.3%
      Meadow Lake, NM4,3788316.8%
      Belen, NM7,7718812.5%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Kenwood, OH7,7741109.8%
      Clear Lake, IA7,775946.0%
      Meridianville, AL7,766973.5%
      Robinwood, MD7,76611616.5%
      Twin Lakes, CO7,76513231.6%
      Belen, NM7,7718812.5%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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