Cost Of Living in Ponderosa, NM

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C+

12%

Overall NAT. AVG.

0%

Groceries NAT. AVG.

47%

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	Ponderosa	New Mexico	National
Cost of living	112	94	100
Groceries	100	98	100
Health care	99	98	100
Housing	147	85	100
Transportation	97	98	100
Utilities	99	97	100
Lifestyle & Entertainment	93	96	100
Household Items	96	98	100
Education & Childcare	90	96	100

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Cost Of Living Quick Facts

The cost of living in Ponderosa is 19% higher than the New Mexico average
The cost of living in Ponderosa is 12% higher than the national average
Ponderosa housing is 47% 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

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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	$72,686	$6,057	$1,696	$2,181
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.
Zia Pueblo, NM	876	80	19.9%
Jemez Pueblo, NM	2,034	88	12.3%
San Felipe Pueblo, NM	1,815	97	3.4%
Jemez Springs, NM	410	116	15.9%
Ponderosa, NM	188	112	12.0%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Humnoke, AR	188	78	22.3%
Beaver Valley, AZ	188	104	3.6%
Fort Apache, AZ	188	84	15.7%
San Simon, AZ	188	78	22.3%
Litchfield, CA	188	104	3.8%
Ponderosa, NM	188	112	12.0%