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City · 13,317 residents · Los Alamos County, New Mexico

Los Alamos , New Mexico

In Los Alamos, a typical home is worth $501,800 and typical rent is $1,359 a month. Compared with all of Los Alamos County, the share of households that own their home is 8 points lower.

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  • Typical home value

    $501,800

    About the same as the county

    102% above New Mexico

    • Los Alamos
    • County
    • New Mexico

  • Typical rent

    $1,359a month

    About the same as the county

    27% above New Mexico

    • Los Alamos
    • County
    • New Mexico

  • Typical household income

    $141,018a year

    4% below the county

    120% above New Mexico

    • Los Alamos
    • County
    • New Mexico

  • Households that own their home

    67%

    8 points below the county

    3 points below New Mexico

    • Los Alamos
    • County
    • New Mexico

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

Market now, with Zillow data

Zillow data
Typical home value
$579,259
0.7% less than 12 months ago
Typical rent
$2,554 a month

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

Los Alamos is in Los Alamos County. The FHA loan limit ($692,300 for a one-unit home), the fair market rents and the help on this page are those of all of Los Alamos County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Los Alamos apart

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

  1. Los Alamos has the smallest share of rent-burdened renters of the 37 cities in New Mexico with more than 5,000 people: 30%.

  2. Nearby, in Española, the typical home value is $210,800: 58% less than in Los Alamos ($501,800).

  3. Los Alamos has the 2nd highest typical household income of the 46 cities in New Mexico with more than 5,000 people ($141,018).

  4. Nearby, in Española, the typical rent is $829: 39% less than in Los Alamos ($1,359).

  5. Los Alamos has the 3rd highest typical home value of the 46 cities in New Mexico with more than 5,000 people ($501,800).

  6. Los Alamos has the 4th highest typical rent of the 43 cities in New Mexico with more than 5,000 people ($1,359).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Los Alamos

What homes there are in Los Alamos, 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

Detached houses are the majority in Los Alamos (51%), but less so than in Los Alamos County (62%).

Year built

The typical year built in Los Alamos is 1975, about the same as in Los Alamos County (1974).

Homes in Los Alamos are smaller: 61% have 3 bedrooms or more; in Los Alamos County, 69%.

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
Monthly rent with utilities

With a mortgage

$2,274 a month

Los Alamos County: $2,315 a month

Without a mortgage

$647 a month

Los Alamos County: $629 a month

Owners with a mortgage

64%

Los Alamos County: 66%

In Los Alamos, 64% of owners have a mortgage; their typical cost is $2,274 a month, about the same as in Los Alamos County.

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

The typical home value in Los Alamos rose 63% since 2015–2019, about the same as in Los Alamos County (64%).

Much as in Los Alamos County, the typical rent in Los Alamos rose 30% since 2015–2019.

Here income did not keep up with housing: it rose 21%, while home values changed +63% and rent +30%.

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

MeasureLos AlamosLos Alamos CountyNew MexicoUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.9%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.0%0.9%
More than one person per room Unreliable estimateUnreliable estimate3.3%3.4%
People per household 2.212.352.482.53
Drive alone 71%72%74%69%
Carpool 6%7%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 4%3%2%3%
Work from home 17%16%12%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

On average, a household in Los Alamos has 2.21 people, fewer than in Los Alamos County (2.35).

To get to work, 71% of workers in Los Alamos drive alone; in Los Alamos County, 72%.

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 Los Alamos?

A typical home is tight for the typical income

We start with a typical home in Los Alamos, worth $501,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Los Alamos, which is $141,018 a year. For that payment to be 28% of income, a household would need to earn about $171,378 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Los Alamos. 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 $17,563 (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

$3,999

at 7.18% · 30 years

Loan amount
$492,711
Total interest
$708,896
Paid off in
November 2056

Includes $8,474 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,290 a month

  • Tight

    $3,290 to $4,231 a month

    Your payment · 34%

  • Hard

    more than $4,231 a month

Compared with the typical household income in Los Alamos ($141,018 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,999
Principal & interest$3,338
Property tax$230
Home insurance$209
FHA mortgage insurance (MIP)$222

You need at least $17,563 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

Los Alamos and Los Alamos County

Los Alamos is in Los Alamos 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).

Los Alamos's own numbers

Typical home value
$501,800
Typical monthly rent
$1,359
Typical yearly household income
$141,018
Households that own their home
67%
Effective property tax rate
0.55%

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

Numbers for all of Los Alamos County

FHA limit, one-unit home
$692,300
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,874
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
0%

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 Los Alamos County.

Everything about Los Alamos County

Buying

Buying a home in Los Alamos

A typical home in Los Alamos is worth $501,800: about the same as the county and 102% above New Mexico. With the typical household income in Los Alamos ($141,018 a year), a typical home costs 3.6 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.

  • Los Alamos 3.6 years
  • County 3.4 years
  • New Mexico 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Los Alamos County

According to FHFA’s house price index, home prices in Los Alamos County rose 127% in the 10 years through 2025.

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

Period County New Mexico U.S.
Last year (2025) −2.9% +3.1% +2.9%
5 years (2020–2025) +54% +50% +47%
10 years (2015–2025) +127% +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

Los Alamos next to Los Alamos 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
  • Los Alamos $501,800
  • County $495,800
  • New Mexico $248,100
  • United States $332,700
Typical monthly rent
  • Los Alamos $1,359
  • County $1,375
  • New Mexico $1,067
  • United States $1,413
Typical yearly household income
  • Los Alamos $141,018
  • County $147,139
  • New Mexico $64,059
  • United States $80,734
See the full table
Los Alamos next to Los Alamos County and New Mexico
Measure Los Alamos Los Alamos County New Mexico U.S.
Typical home value $501,800 $495,800 $248,100 $332,700
Typical monthly rent $1,359 $1,375 $1,067 $1,413
Typical yearly household income $141,018 $147,139 $64,059 $80,734
Households that own their home 67% 75% 70% 65%
Typical yearly property tax $2,749 $2,717 $1,731 $3,119
Effective property tax rate 0.55% 0.55% 0.7% 0.94%
Renters with high rent for their income 30% 29% 50% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Los Alamos 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 Los Alamos

For a typical $501,800 home in Los Alamos, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Los Alamos's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,999a month

    Least cash to close
    Down payment
    $17,563
    Cash to close
    $32,617
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $222

  • Conventional, 5% down $3,907a month

    Down payment
    $25,090
    Cash to close
    $40,144
    Rate
    7.18%
    Mortgage insurance
    PMI · $238

  • Conventional, 20% down, no PMI $3,159a month

    Down payment
    $100,360
    Cash to close
    $115,414
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,622a month

    Down payment
    $75,270
    Cash to close
    $90,324
    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 Los Alamos and for Los Alamos County.

Property tax

Effective rate in Los Alamos

0.55%of the home’s value each year

$2,749 a year for the typical owner in Los Alamos.

  • Los Alamos 0.55%
  • County 0.55%
  • 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 Los Alamos County

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

Homes in the high-risk zone
0%
3
Of those, with NFIP insurance
67%
County New Mexico U.S.
Homes in the high-risk zone 0% 5.7% 3.5%
Of those, with NFIP insurance 67% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Los Alamos

Typical rent in Los Alamos is $1,359 a month: about the same as the county. In Los Alamos, 30% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Los Alamos County, by unit size. To pay the 2-bedroom one ($1,874 a month) without spending more than 30% of your income, you would need to earn $36.04 an hour working full time.

HUD fair market rent for all of Los Alamos 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 $1,305 $25.10 $52,200
1 bedroom $1,433 $27.56 $57,320
2 bedrooms $1,874 $36.04 $74,960
3 bedrooms $2,233 $42.94 $89,320
4 bedrooms $3,132 $60.23 $125,280

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 Los Alamos

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Los Alamos is in ZIP code 87544.

For 2 bedrooms it is $1,860: $14 less than the fair market rent for Los Alamos County ($1,874).

  • 87544 $1,860$2,220

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Los Alamos 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 Los Alamos

HUD lists 4 buildings with rents for lower incomes in Los Alamos. These are the largest.

  • Mountain Vista Apts 600 San Ildefonso Rd, Los Alamos 87544 52 low-income homes
  • Caballo Peak Apts 3301 Canyon Rd, Los Alamos 87544 40 low-income homes · 2 bd: 40 · In service since 2000
  • Mesa del Norte 650 San Ildefonso Rd, Los Alamos 87544 36 low-income homes · In service since 1996
  • Los Alamos Group Home 2056 Peach St, Los Alamos 87544 8 low-income homes · For people with disabilities (505) 672-1423

See all 4 buildings in Los Alamos County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Los Alamos

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 Los Alamos County. The nearest ones are below; many serve by phone or online.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Los Alamos

No down payment, repair or rent-help program on our list is for Los Alamos or Los Alamos County. The ones below are statewide in New Mexico: they work in Los Alamos 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 Los Alamos

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

  • Homewise, Inc.

    1301 Siler Rd, Santa Fe · 23 miles away · Spanish

    • Budget and credit workshops
    • Pre-purchase counseling
    • and 1 more
    (505) 983-9473

  • Southwest Neighborhood Housing Services, Inc.

    6301 4th St NW Ste 5, Los Ranchos · 55 miles away

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

  • Homewise, Inc.

    500 2nd St. SW, Albuquerque · 60 miles away · Spanish

    Also serves in American Sign Language (ASL).

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

All counseling agencies in New Mexico

Help in Spanish near Los Alamos

2 of the 3 agencies on this list say they serve 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 Los Alamos

HUD lists no housing authority with an office in Los Alamos County. One in a neighboring county or the state’s may serve the area.

All housing agencies in New Mexico Source: HUD

Cities

Other cities in Los Alamos County

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

Everything about Los Alamos County Housing in New Mexico

Nearby cities

The cities closest to Los Alamos, with the typical home value.

Neighboring counties

If Los Alamos 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 Los Alamos.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Los Alamos

Short answers with the numbers for Los Alamos and all of Los Alamos 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 Los Alamos?

The typical home value in Los Alamos is $501,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Los Alamos County it is $495,800.

How much does it cost to rent in Los Alamos?

Typical rent in Los Alamos is $1,359 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Los Alamos County is $1,874.

What is the FHA loan limit in Los Alamos?

Los Alamos uses the FHA limit for all of Los Alamos County (2026): $692,300 for a one-unit home and $1,331,350 for a four-unit home.

How much property tax do owners pay in Los Alamos?

The typical homeowner in Los Alamos pays $2,749 a year, according to the U.S. Census Bureau. That is 0.55% of the home’s value; in Los Alamos County, the rate is 0.55%.

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

We found no HUD-approved counseling agencies with an office in Los Alamos 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).