Gallup, NM vs Nogales, AZ: Cost of Living

Which city costs less?

Nogales, AZ has a modeled overall cost index 10.8% higher than Gallup, NM.

Gallup, NM · modeled 2BR rent
$1,100 / month
Nogales, AZ · modeled 2BR rent
$1,050 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Gallup, NM and Nogales, AZ using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

$
Numbers update automatically as you type

Estimated extra cost: $693/month in Nogales, AZ

$150,000 in your current city has a modeled equivalent of $158,318 in Nogales, AZ

Regional cost estimates: Gallup, NM uses Albuquerque, NM. Nogales, AZ uses Tucson, AZ. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 10.8%
More expensive
Monthly Impact
$693
Extra cost
Annual Impact
$8.3K
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Gallup, NM

Population:20K
Cost Index:
82.3
100 = national average
Typical Home:$219K

Nogales, AZ

Population:20K
Cost Index:
91.2
100 = national average
Typical Home:$213K

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Gallup, NM

The Land of Enchantment

20K
Population
State Tax
Yes

Located in New Mexico, this city has a population of 20K residents.

Nogales, AZ

The Grand Canyon State

20K
Population
State Tax
Yes

Located in Arizona, this city has a population of 20K residents.

Cost Breakdown by Category

Estimated monthly spending: Gallup, NM vs Nogales, AZ

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Other
↑ 15.7%
Gallup, NM
$1,777
Nogales, AZ
$2,056
Difference
$279
more
Housing
↑ 7.4%
Gallup, NM
$2,121
Nogales, AZ
$2,278
Difference
$157
more
Groceries
↑ 11.2%
Gallup, NM
$1,062
Nogales, AZ
$1,181
Difference
$119
more
Transportation
↑ 6.3%
Gallup, NM
$1,380
Nogales, AZ
$1,466
Difference
$86.73
more
Healthcare
↑ 8.3%
Gallup, NM
$604
Nogales, AZ
$654
Difference
$50.32
more
All Utilities
↑ 0.2%
Gallup, NM
$557
Nogales, AZ
$558
Difference
$1.37
more

🏠Rent Comparison

Studio
From$760
To$720
↓ $40.00
1 Bed
From$900
To$800
↓ $100
2 Bed
From$1,100
To$1,050
↓ $50.00
3 Bed
From$1,320
To$1,460
↑ $140
Gallup, NMZIP-level data

1BR range: $890–$910/mo

Nogales, AZZIP-level data

1BR range: $800–$800/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Gallup, NM
$8,193
Monthly in Nogales, AZ
$693
Difference

Home Values

Gallup
Nogales
$219K
Median Value
$213K
↑ +2%
YoY Change
↓ -1.6%
↑ +14.9%
5-Year Change
↑ +28.1%

Homes in Nogales are 3% less expensive than Gallup

Calculate payment - GallupCalculate payment - Nogales

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $1.8K
Per year
Monthly Difference
$153
More take-home
Effective Rate Diff
1.2%
Rate difference

Gallup, NM

Federal Income Tax
Effective: 18.9%
$25.5K
New Mexico State Tax
Effective: 4.7%
$7.1K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.4%
$44.1K
Take-Home Pay
$8,826/month
$105.9K

Nogales, AZ

Federal Income Tax
Effective: 18.9%
$25.5K
Arizona State Tax
Effective: 3.5%
$5.2K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 28.2%
$42.2K
Take-Home Pay
$8,979/month
$107.8K

Additional Tax Information

Gallup, NM Tax Rates

Sales Tax:7.6%
Property Tax:0.8%

Nogales, AZ Tax Rates

Sales Tax:8.5%
Property Tax:0.6%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Gallup
Nogales
61 Moderate
Air Quality
56 Moderate
27.3%
Good Air Days
30.9%
94 High
Climate Risk
99 High
🌊
Top Hazards
🔥🌊🌡
▲+3.0°F
2050 Outlook
▲+2.7°F
63 days
Heat Days >95°F
147 days
▲+3.0°F
2050 Outlook
▲+2.7°F
63 days
Heat Days >95°F
147 days

Before moving from Gallup, NM to Nogales, AZ

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in Nogales, AZ for the same bedroom count and included utilities as your home in Gallup, NM. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Gallup to Nogales moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Nogales, AZ by cost, housing, population and region.

Frequently Asked Questions: Gallup, NM vs Nogales, AZ

How do the cost estimates for Gallup, NM and Nogales, AZ compare?

Nogales, AZ has a modeled overall cost index 10.8% higher than Gallup, NM. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Gallup, NM, the model estimates $158,318 in Nogales, AZ. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Gallup, NM and Nogales, AZ?

The modeled two-bedroom rents are $1,100/month in Gallup, NM and $1,050/month in Nogales, AZ. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between New Mexico and Arizona on TaxTakeHome.com

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