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City · 21,023 residents · McKinley County, New Mexico

Gallup , New Mexico

In Gallup, a typical home is worth $165,200 and typical rent is $927 a month. Compared with all of McKinley County, the typical home value is 110% higher, typical household income is 22% higher, and the share of households that own their home is 18 points lower.

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  • Typical home value

    $165,200

    110% above the county

    33% below New Mexico

    • Gallup
    • McKinley
    • New Mexico

  • Typical rent

    $927a month

    8% above the county

    13% below New Mexico

    • Gallup
    • McKinley
    • New Mexico

  • Typical household income

    $58,303a year

    22% above the county

    9% below New Mexico

    • Gallup
    • McKinley
    • New Mexico

  • Households that own their home

    52%

    18 points below the county

    18 points below New Mexico

    • Gallup
    • McKinley
    • New Mexico

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$216,668
2.1% less than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Gallup is in McKinley County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of McKinley County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Gallup apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in Gallup is worth $165,200, 110% more than in McKinley County as a whole ($78,700).

  2. Nearby, in Zuni Pueblo, the typical home value is $81,700: 51% less than in Gallup ($165,200).

  3. 9% of households in Gallup have no internet at home (31% in McKinley County).

  4. 52% of households in Gallup own their home, against 70% in McKinley County.

  5. Nearby, in Shiprock, the typical rent is $694: 25% less than in Gallup ($927).

  6. According to Zillow, in the 12 months to September 2026 the typical home value in Gallup fell 2.1%; in New Mexico, it rose 1.7%.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Gallup

What homes there are in Gallup, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Gallup, 6 in 10 homes are single-family detached houses; in McKinley County, 6.

Year built

The typical home in Gallup was built in 1977, 8 years before the typical one in McKinley County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

By price, most homes in Gallup sit under the FHA limit for McKinley County ($541,287): about 95%.

Monthly rent with utilities

By rent, most homes in Gallup cost less than HUD's 2-bedroom fair market rent ($1,140): about 66%.

With a mortgage

$1,508 a month

McKinley County: $1,319 a month

Without a mortgage

$472 a month

McKinley County: $288 a month

Owners with a mortgage

45%

McKinley County: 20%

Owning costs more in Gallup: with a mortgage, the typical cost is $1,508 a month; in McKinley County, $1,319. Without one, $472.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Gallup rose 25%; in McKinley County, it rose 22%.

Much as in McKinley County, the typical rent in Gallup rose 26% since 2015–2019.

The typical household income in Gallup rose 21%: less than home values (+25%) and rent (+26%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureGallupMcKinley CountyNew MexicoUnited States
Rental vacancy Unreliable estimate2.3%5.9%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.0%0.9%
More than one person per room 6.3%11.1%3.3%3.4%
People per household 2.943.252.482.53
Drive alone 84%80%74%69%
Carpool 7%8%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 5%9%12%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutesUnreliable estimate10 to 19 minutes20 to 29 minutes

Fewer households are short on space in Gallup: 6.3% have more than one person per room; in McKinley County, 11.1%.

Fewer people live in each home here: 2.94 on average, against 3.25 in McKinley County.

To get to work, 84% of workers in Gallup drive alone; in McKinley County, 80%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Gallup?

A typical home is tight for the typical income

We start with a typical home in Gallup, worth $165,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Gallup, which is $58,303 a year. For that payment to be 28% of income, a household would need to earn about $59,252 a year.

The calculator's FHA and conventional loan limits are those of all of McKinley County.

Your numbers

Local data
$

Starts at the typical home value in Gallup. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $5,782 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,383

at 7.18% · 30 years

Loan amount
$162,208
Total interest
$233,379
Paid off in
November 2056

Includes $2,790 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,360 a month

  • Tight

    $1,360 to $1,749 a month

    Your payment · 28%

  • Hard

    more than $1,749 a month

Compared with the typical household income in Gallup ($58,303 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,383
Principal & interest$1,099
Property tax$142
Home insurance$69
FHA mortgage insurance (MIP)$73

You need at least $5,782 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Gallup and McKinley County

Gallup is in McKinley County, New Mexico. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Gallup's own numbers

Typical home value
$165,200
Typical monthly rent
$927
Typical yearly household income
$58,303
Households that own their home
52%
Effective property tax rate
1.03%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of McKinley County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,140
Price change over 5 years (FHFA)
+38%
Homes in a high flood-risk zone
2.1%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of McKinley County.

Everything about McKinley County

Buying

Buying a home in Gallup

A typical home in Gallup is worth $165,200: 110% above the county and 33% below New Mexico. With the typical household income in Gallup ($58,303 a year), a typical home costs 2.8 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Gallup 2.8 years
  • McKinley 1.7 years
  • New Mexico 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in McKinley County

According to FHFA’s house price index, home prices in McKinley County rose 54% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of McKinley County.

Period County New Mexico U.S.
Last year (2025) +5.0% +3.1% +2.9%
5 years (2020–2025) +38% +50% +47%
10 years (2015–2025) +54% +82% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Gallup next to McKinley County, New Mexico and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Gallup $165,200
  • McKinley $78,700
  • New Mexico $248,100
  • United States $332,700
Typical monthly rent
  • Gallup $927
  • McKinley $859
  • New Mexico $1,067
  • United States $1,413
Typical yearly household income
  • Gallup $58,303
  • McKinley $47,668
  • New Mexico $64,059
  • United States $80,734
See the full table
Gallup next to McKinley County and New Mexico
Measure Gallup McKinley County New Mexico U.S.
Typical home value $165,200 $78,700 $248,100 $332,700
Typical monthly rent $927 $859 $1,067 $1,413
Typical yearly household income $58,303 $47,668 $64,059 $80,734
Households that own their home 52% 70% 70% 65%
Typical yearly property tax $1,696 $1,574 $1,731 $3,119
Effective property tax rate 1.03% 2% 0.7% 0.94%
Renters with high rent for their income 48% 44% 50% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below McKinley County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Gallup

For a typical $165,200 home in Gallup, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gallup's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,383a month

    Least cash to close
    Down payment
    $5,782
    Cash to close
    $10,738
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $73

  • Conventional, 5% down $1,352a month

    Down payment
    $8,260
    Cash to close
    $13,216
    Rate
    7.18%
    Mortgage insurance
    PMI · $78

  • Conventional, 20% down, no PMI $1,106a month

    Down payment
    $33,040
    Cash to close
    $37,996
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,259a month

    Down payment
    $24,780
    Cash to close
    $29,736
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Gallup and for McKinley County.

Property tax

Effective rate in Gallup

1.03%of the home’s value each year

$1,696 a year for the typical owner in Gallup.

  • Gallup 1.03%
  • McKinley 2%
  • New Mexico 0.7%

What New Mexico publishes 3 percent cap on the yearly increase in your home's taxable value (New Mexico Legislative Finance Committee ("Property Taxes in New Mexico" brief))

Exemptions and deadlines in New Mexico

Flood risk in McKinley County

FEMA does not publish these numbers by city: they are for all of McKinley County.

Homes in the high-risk zone
2.1%
429
Of those, with NFIP insurance
3.7%
County New Mexico U.S.
Homes in the high-risk zone 2.1% 5.7% 3.5%
Of those, with NFIP insurance 3.7% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Gallup

Typical rent in Gallup is $927 a month: 8% above the county. In Gallup, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of McKinley County, by unit size. To pay the 2-bedroom one ($1,140 a month) without spending more than 30% of your income, you would need to earn $21.92 an hour working full time.

HUD fair market rent for all of McKinley County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $794 $15.27 $31,760
1 bedroom $911 $17.52 $36,440
2 bedrooms $1,140 $21.92 $45,600
3 bedrooms $1,358 $26.12 $54,320
4 bedrooms $1,498 $28.81 $59,920

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Gallup

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gallup is in ZIP code 87301.

For 2 bedrooms it is $1,180: $40 more than the fair market rent for McKinley County ($1,140).

  • 87301 $1,180$1,410

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Gallup when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Gallup

HUD lists 20 buildings with rents for lower incomes in Gallup. These are the largest.

  • Site A-3 400A Arnold St, Gallup 87301 188 low-income homes · Run by Housing Authority of the City of Gallup · Average payment: $412 a month · Average wait: 11 months · Homes at several sites (505) 722-4388
  • Pinion Hills Apts 2811 Dairy Dr, Gallup 87301 70 low-income homes
  • Casamera Apts 350 Basileo Dr, Gallup 87301 60 low-income homes
  • Sunset Hills Apartments 220 Rudy Dr, Gallup 87301 60 low-income homes · For older adults (505) 722-6908
  • Villa de Gallup II 333 Klagetoh Dr, Gallup 87301 52 low-income homes · 2 bd: 28 · 3 bd: 24 · In service since 2000

See all 22 buildings in McKinley County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Gallup

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in McKinley County. The nearest ones are below; many serve by phone or online.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Gallup

No down payment, repair or rent-help program on our list is for Gallup or McKinley County. The ones below are statewide in New Mexico: they work in Gallup the same as in the rest of the state.

Which programs do I qualify for? All programs in New Mexico

  • FirstDown

    Statewide in New Mexico

    New Mexico state agency fixed-rate second mortgage for the down payment and closing costs of first-time buyers, together with the FirstHome mortgage. Offered by Housing New Mexico (New Mexico Mortgage Finance Authority, MFA).

    Repayable

    See the program Official page

  • HomeNow

    Statewide in New Mexico

    New Mexico state agency fixed $7,000 second mortgage for the down payment and closing costs of low-income first-time buyers; no monthly payments and forgivable after 10 years. Offered by Housing New Mexico (New Mexico Mortgage Finance Authority, MFA).

    Forgivable

    See the program Official page

  • FirstDown Plus

    Statewide in New Mexico

    New Mexico state agency fixed $10,000 third loan at 0%, for the down payment only, added to FirstDown or HomeNow; repaid in monthly installments over 15 years. Offered by Housing New Mexico (New Mexico Mortgage Finance Authority, MFA).

    Repayable

    See the program Official page

Housing counselors near Gallup

The HUD-approved agencies closest to the center of Gallup, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Southwest Neighborhood Housing Services, Inc.

    6301 4th St NW Ste 5, Los Ranchos · 121 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (505) 243-5511

  • Homewise, Inc.

    500 2nd St. SW, Albuquerque · 122 miles away · Spanish

    Also serves in American Sign Language (ASL).

    • Budget and credit workshops
    • Pre-purchase counseling
    • and 1 more
    (505) 243-6566

  • United South Broadway Corporation

    1500 Walter St SE, Albuquerque · 122 miles away

    • Mortgage delinquency and default
    (505) 764-8867

All counseling agencies in New Mexico

Help in Spanish near Gallup

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Gallup

HUD’s record names them for Gallup or McKinley County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the City of Gallup Public housing and Section 8 vouchers (505) 722-4388

All housing agencies in New Mexico Source: HUD

Cities

Other cities in McKinley County

These cities are also in McKinley County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about McKinley County Housing in New Mexico

Nearby cities

The cities closest to Gallup, with the typical home value.

Neighboring counties

If McKinley County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Gallup.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Gallup

Short answers with the numbers for Gallup and all of McKinley County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Gallup?

The typical home value in Gallup is $165,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in McKinley County it is $78,700.

How much does it cost to rent in Gallup?

Typical rent in Gallup is $927 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in McKinley County is $1,140.

What is the FHA loan limit in Gallup?

Gallup uses the FHA limit for all of McKinley County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Gallup?

The typical homeowner in Gallup pays $1,696 a year, according to the U.S. Census Bureau. That is 1.03% of the home’s value; in McKinley County, the rate is 2%.

Where can I find free help to buy or rent in Gallup?

We found no HUD-approved counseling agencies with an office in McKinley County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).