Los Lunas, NM vs White Settlement, TX: Cost of Living

Which city costs less?

White Settlement, TX has a modeled overall cost index 1.3% lower than Los Lunas, NM.

Los Lunas, NM · modeled 2BR rent
$1,530 / month
White Settlement, TX · modeled 2BR rent
$1,720 / 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 Los Lunas, NM and White Settlement, TX 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 savings: $116/month in White Settlement, TX

$150,000 in your current city has a modeled equivalent of $148,613 in White Settlement, TX

Regional cost estimates: Los Lunas, NM uses Albuquerque, NM. White Settlement, TX uses Fort Worth, TX. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 1.3%
Less expensive
Monthly Impact
$116
Savings
Annual Impact
$1.4K
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.

Los Lunas, NM

Population:19K
Cost Index:
88.0
100 = national average
Typical Home:$312K

White Settlement, TX

Population:18K
Cost Index:
86.9
100 = national average
Typical Home:$281K

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Los Lunas, NM

The Land of Enchantment

19K
Population
State Tax
Yes

Located in New Mexico, this city has a population of 19K residents.

White Settlement, TX

The Lone Star State

18K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 18K residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Los Lunas, NM vs White Settlement, TX

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.

Housing
↓ 3.5%
Los Lunas, NM
$2,142
White Settlement, TX
$2,067
Difference
$75.43
less
Transportation
↓ 5.3%
Los Lunas, NM
$1,393
White Settlement, TX
$1,319
Difference
$73.94
less
Healthcare
↑ 10.6%
Los Lunas, NM
$590
White Settlement, TX
$652
Difference
$62.78
more
Groceries
↓ 4.8%
Los Lunas, NM
$1,037
White Settlement, TX
$988
Difference
$49.59
less
All Utilities
↑ 8.0%
Los Lunas, NM
$544
White Settlement, TX
$587
Difference
$43.48
more
Other
↓ 1.3%
Los Lunas, NM
$1,794
White Settlement, TX
$1,772
Difference
$22.93
less

🏠Rent Comparison

Studio
From$1,050
To$1,420
↑ $370
1 Bed
From$1,240
To$1,470
↑ $230
2 Bed
From$1,530
To$1,720
↑ $190
3 Bed
From$2,130
To$2,270
↑ $140
Los Lunas, NMZIP-level data

1BR range: $1,240–$1,240/mo

White Settlement, TXZIP-level data

1BR range: $1,470–$1,470/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 Los Lunas, NM
$7,384
Monthly in White Settlement, TX
$116
Difference

Home Values

Los Lunas
White Settlement
$312K
Median Value
$281K
↑ +1.4%
YoY Change
↓ -3.9%
↑ +41.8%
5-Year Change
↑ +26%

Homes in White Settlement are 10% less expensive than Los Lunas

Calculate payment - Los LunasCalculate payment - White Settlement

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $7.1K
Per year
Monthly Difference
$589
More take-home
Effective Rate Diff
4.7%
Rate difference

Los Lunas, 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

White Settlement, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Additional Tax Information

Los Lunas, NM Tax Rates

Sales Tax:7.6%
Property Tax:0.8%

White Settlement, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

💡 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

Los Lunas
White Settlement
61 Moderate
Air Quality
54 Moderate
27.3%
Good Air Days
35.5%
94 High
Climate Risk
99 High
🌊
Top Hazards
🌊🌡🌪
▲+3.0°F
2050 Outlook
▲+2.7°F
63 days
Heat Days >95°F
94 days
▲+3.0°F
2050 Outlook
▲+2.7°F
63 days
Heat Days >95°F
94 days

Before moving from Los Lunas, NM to White Settlement, TX

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

  1. Compare actual homes. Get current quotes in White Settlement, TX for the same bedroom count and included utilities as your home in Los Lunas, 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 Los Lunas to White Settlement moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to White Settlement, TX by cost, housing, population and region.

Frequently Asked Questions: Los Lunas, NM vs White Settlement, TX

How do the cost estimates for Los Lunas, NM and White Settlement, TX compare?

White Settlement, TX has a modeled overall cost index 1.3% lower than Los Lunas, 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 Los Lunas, NM, the model estimates $148,613 in White Settlement, TX. 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 Los Lunas, NM and White Settlement, TX?

The modeled two-bedroom rents are $1,530/month in Los Lunas, NM and $1,720/month in White Settlement, TX. 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 Texas on TaxTakeHome.com

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