Cost Of Living in Encinal, NM

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A+

2%

Overall NAT. AVG.

1%

Groceries NAT. AVG.

100%

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	Encinal	New Mexico	National
Cost of living	98	94	100
Groceries	99	98	100
Health care	97	98	100
Housing	n/a	85	100
Transportation	100	98	100
Utilities	95	97	100
Lifestyle & Entertainment	93	96	100
Household Items	98	98	100
Education & Childcare	99	96	100

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Cost Of Living Quick Facts

The cost of living in Encinal is 4% higher than the New Mexico average
The cost of living in Encinal is 2% lower than the national average
Encinal housing is 9% 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

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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	$89,661	$7,472	$2,092	$2,690
Renters	$0	$0	$0	$0

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.
Cubero, NM	182	98	2.3%
Acomita Lake, NM	775	98	2.3%
Laguna, NM	766	98	2.3%
San Mateo, NM	200	97	3.2%
Moquino, NM	60	97	3.2%
Encinal, NM	274	98	2.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Manchester, CA	274	137	36.7%
Allerton, IL	274	85	14.6%
Willow Hill, IL	274	80	19.8%
Elk City, KS	274	77	22.5%
Clayton, MI	274	83	16.8%
Encinal, NM	274	98	2.3%