B+
Overall 12%
Goods & Services 10%
Housing 20%
Date & Last Updated: This data reflects 2020 and was released from C2ER in January, 2021; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
IndexLas CrucesNew MexicoNational
Cost of living8891100
Goods & Services9091100
Groceries9596100
Health care9998100
Housing8086100
Transportation9690100
Utilities8391100

Key findings

  • The cost of living in Las Cruces is 3% lower than the New Mexico average
  • The cost of living in Las Cruces is 12% lower than the national average
  • Las Cruces housing is 20% lower than the national average
  • New Mexico general sales tax is 1% higher than the national average
  • New Mexico state income tax is 31% lower than the national average

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Compare Las Cruces, NM Cost of Living

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      Salary Calculator

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      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
      Owners$59,147$4,929$1,380$1,775
      Renters$24,927$2,077$582$748
      To approximate the cost of living and the housing affordability in Las Cruces, NM, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Las Cruces have a median income of $59,147. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,380 per month to avoid calamity and poverty. The renters in the city have an income of about $24,927, which would make their monthly maximum allowable rental costs $582.

      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%

      Goods & Services

      ItemLas CrucesNational avg.Difference
      Haircut $19.30$18.623.6%
      Beauty Salon $34.66$39.0511.2%
      Toothpaste $2.33$2.340.5%
      Shampoo $0.96$1.068.8%
      Movie $10.74$10.680.5%
      Bowling $12.38$14.6715.6%

      Groceries

      ItemLas CrucesNational avg.Difference
      Ground Beef $4.98$4.2217.9%
      Fried Chicken $1.17$1.3915.6%
      Milk $2.16$2.055.2%
      Potatoes $3.46$3.295.3%
      Pizza $10.01$10.625.7%
      Beer $8.13$9.3813.3%

      Health Care

      ItemLas CrucesNational avg.Difference
      Optometrist $107.20$108.571.3%
      Doctor $106.77$116.178.1%
      Dentist $99.67$99.130.5%
      Ibuprofen $9.55$9.681.3%
      Lipitor $499.00$466.926.9%

      Housing

      ItemLas CrucesNational avg.Difference
      Home Price $149,200.00$184,700.0019.2%
      Avg. Mortgage Payment $982.94$1,197.4217.9%
      Apartment Rent $757.00$949.0020.2%

      Transportation

      ItemLas CrucesNational avg.Difference
      Gasoline $2.11$2.225.2%
      Tire Balancing $47.87$50.074.4%

      Utilities

      ItemLas CrucesNational avg.Difference
      All Electricity$116.23$167.6730.7%
      Phone $184.90$175.645.3%
      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.
      Fairacres, NM94091-9%
      Pecan Park, NM1991-9%
      Mesquite, NM56976-24%
      Vado, NM1,92177-23%
      San Miguel, NM1,22178-22%
      Las Cruces, NM101,45988-12%

      Cities with similar population

      City, StatePopulationCost of Living IndexNational Avg.
      South Bend, IN101,03783-17%
      Tyler, TX101,94692-8%
      Clovis, CA102,14811212%
      Jurupa Valley, CA100,73712121%
      Sandy Springs, GA102,21212828%
      Las Cruces, NM101,45988-12%
      Source: The Las Cruces, NM cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2020.