Cost Of Living in Peralta, NM

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A+

3%

Overall NAT. AVG.

4%

Goods & Services NAT. AVG.

8%

Housing NAT. AVG.

Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; 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.
Index	Peralta	New Mexico	National
Cost of living	97	93	100
Goods & Services	104	99	100
Groceries	98	97	100
Health care	108	112	100
Housing	92	85	100
Transportation	94	93	100
Utilities	85	83	100

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Homes For Sale In Peralta, NM

132 La Ladera Rd

Peralta, NM

7 Wildwood Ln

Peralta, NM

9 Loma Cordoniz Ct

Peralta, NM

16 Hy Pear Loop

Peralta, NM

Cost Of Living Quick Facts

The cost of living in Peralta is 4% higher than the New Mexico average
The cost of living in Peralta is 3% lower than the national average
Peralta housing is 8% 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
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$91,730	$7,644	$2,140	$2,752
Renters	$72,275	$6,023	$1,686	$2,168

A good indicator of the general affordability of housing in Peralta, 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 Peralta, the median monthly income is $91,730 for those who own their own homes. Under the standard rule, that income level would allow for $2,140 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $72,275, per the median income in the area. That would allow for renters to spend up to $1,686 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%

Goods & Services

Item	Peralta	National avg.	Difference
Haircut	$36.08	$27.62	30.6%
Beauty Salon	$51.64	$51.11	1.0%
Toothpaste	$4.00	$4.09	2.3%
Shampoo	$1.36	$1.54	11.8%
Movie	$12.15	$12.88	5.7%
Yoga	$19.42	$19.66	1.2%

Groceries

Item	Peralta	National avg.	Difference
Ground Beef	$8.29	$7.70	7.6%
Fried Chicken	$1.46	$1.66	12.2%
Milk	$4.65	$4.73	1.8%
Potatoes	$4.96	$5.26	5.6%
Pizza	$13.64	$12.76	6.9%
Beer	$10.58	$10.55	0.3%

Health Care

Item	Peralta	National avg.	Difference
Optometrist	$173.61	$140.06	24.0%
Doctor	$145.18	$153.82	5.6%
Dentist	$107.62	$123.15	12.6%
Ibuprofen	$11.73	$11.73	0.0%
Lipitor	$35.21	$23.61	49.1%

Housing

Item	Peralta	National avg.	Difference
Home Price	$350,771.00	$326,622.00	7.4%
Avg. Mortgage Payment	$2,169.16	$2,480.25	12.5%
Apartment Rent	$805.00	$1,444.00	44.3%

Transportation

Item	Peralta	National avg.	Difference
Gasoline	$3.00	$3.06	1.8%
Tire Balancing	$55.00	$65.21	15.7%

Utilities

Item	Peralta	National avg.	Difference
All Electricity	$167.22	$220.12	24.0%
Phone	$193.43	$195.71	1.2%

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	Population	Cost of Living Index	National Avg.
Chical, NM	209	99	1.2%
Adelino, NM	1,137	99	1.2%
Pajarito Mesa, NM	316	77	23.5%
Isleta Village Proper, NM	502	83	16.5%
Meadow Lake, NM	4,378	84	15.9%
Peralta, NM	3,676	97	3.2%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Durham, CT	3,676	128	28.0%
St. James, MD	3,676	119	19.3%
Camden, ME	3,675	120	19.7%
Elim, PA	3,675	89	11.4%
Colonial Beach, VA	3,675	108	8.1%
Peralta, NM	3,676	97	3.2%

Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; this is the most current data available.

Cost of Living in Peralta, NM

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Median Income & Debt-To-Income Ratio

New Mexico Sales Tax

New Mexico Income Tax

Goods & Services

Groceries

Health Care

Housing

Transportation

Utilities

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