Cost of Living in Gallup, NM
Overall index: 66 (100 = US national average). Data source: US Census ACS 2023 & BLS OEWS 2025, 2025.
Overall Cost of Living Index
Cost Breakdown by Category
| Category | Index | vs US avg | Sample cost |
|---|---|---|---|
| Housing | 39 | -61% | $601 |
| Transportation | 105 | +5% | $3.50 |
| Food | 77 | -23% | $316 |
| Utilities | 70 | -30% | $70 |
| Healthcare | 70 | -30% | $51 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in Gallup?
A single adult living comfortably in Gallup, NM needs approximately $23,100 / year after taxes.
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Frequently Asked Questions
What is the cost of living in Gallup, NM?
The overall cost of living in Gallup, NM is 34% lower than the US national average (index: 66 where 100 = national average).
How much is rent in Gallup, NM?
Average rent for a 1-bedroom apartment in Gallup, NM is about $601/month.
Is Gallup, NM expensive to live in?
No, Gallup, NM is affordable (below national average).
What salary do I need to live in Gallup, NM?
A single adult needs roughly $23,100/year to cover basic living costs in Gallup, NM.