Cost of Living in Kirtland, NM

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B
9%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
35%
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 Kirtland New Mexico National
Cost of living10994100
Groceries10198100
Health care9998100
Housing13585100
Transportation9898100
Utilities9697100
Lifestyle & Entertainment9596100
Household Items9998100
Education & Childcare9596100
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Homes For Sale In Kirtland, NM

property for sale

415 Road 6100

Kirtland, NM
property for sale

NYA Road 6500

Kirtland, NM
property for sale

11 Road 6536

Kirtland, NM
property for sale

1 Road 6478 Unit 1

10, 2

Cost Of Living Quick Facts

  • The cost of living in Kirtland is 16% higher than the New Mexico average
  • The cost of living in Kirtland is 9% higher than the national average
  • Kirtland housing is 35% higher 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 Kirtland

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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$172,898$14,408$4,034$5,187
      Renters$131,425$10,952$3,066$3,943
      A good indicator of the general affordability of housing in Kirtland, 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 Kirtland, the median monthly income is $172,898 for those who own their own homes. Under the standard rule, that income level would allow for $4,034 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $131,425, per the median income in the area. That would allow for renters to spend up to $3,066 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.
      Napi Headquarters, NM7417821.9%
      Nenahnezad, NM4858020.0%
      Upper Fruitland, NM1,6598118.6%
      La Plata, NM2,132945.9%
      Ojo Amarillo, NM541954.7%
      Kirtland, NM7321099.0%

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      Loghill Village, CO73216059.8%
      Kirtland, NM7321099.0%
      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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