Gallup, New Mexico.
Typical home $216,668 (-2.1% in a year). Gallup, NM metro.
to buy the typical home at today's mortgage rate — +$492 (+76%) since Jan 2020.
- 1 year
- Down $4,657 -2%
- $221,324$216,668 since Sep 2025
- 5 years
- Up $12,304 +6%
- $204,364$216,668 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Gallup$1,137
- New Mexico$1,658
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 59 years.
Typical home values in Gallup, NM fell 2.1% over the past year — slower than the nation's +1.2%.
Living in Gallup, McKinley County, New Mexico
Gallup is a city of 21,899 people in McKinley County. Half its households earn more than $58,303 a year and half less, against $47,668 across McKinley County; 27% of its people live below the poverty line. 52% of its homes are lived in by their owners and 48% are rented. Unemployment in McKinley County was 6.9% in August 2026, and the county had 0.8% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Gallup is a small city that serves as the hub for McKinley County. Its residents are younger than in many American towns, and household incomes are higher than across the county, though a good share of people still live below the poverty line. About as many homes are rented as are lived in by their owners, and winters are cold, with real snowfall, while summers are warm and the year is fairly dry.
Work. Most residents work in schools, hospitals and social care, in shops, in restaurants, hotels and entertainment, or in government. Among the largest workplaces in Gallup are Gallup Schools, Indian Health Service and Rehoboth Mckinley Christian Hospital. Jobs across McKinley County dipped slightly last year, and unemployment there is higher than it was a year ago. Most people have a short drive to work, and few work from home.
Things to do. In or beside town, the Chief Theatre is a place to catch a show or a film. A longer drive away are the Navajo Nation Museum and the Navajo Nation Zoological and Botanical Park, while Fort Wingate and the Zuni River offer a look at the area's history and landscape.
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- 6,919households
- 24%of adults have a degree
- 27%below the poverty line
- 20 mintypical commute
- 5%work from home
What residents work in
Employed residents by industry, from the Census survey. McKinley County had 19,353 jobs in 2025, 0.8% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 44° and lows near 16°; warmest in July, with highs near 87° and lows near 57°. About 21 inches of snow and 13 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Gallup Sand & Gravel weather station, 2 miles away (NOAA).
Largest workplaces in Gallup
- Gallup SchoolsSchool district1,276FTE
- Indian Health ServiceFederal government · Department of Health and Human Services900
- WalmartWarehouse clubs and supercenters492
- Rehoboth Mckinley Christian HospitalCritical access hospital306FTE
- Rehoboth Mckinley Christian HospitalGeneral hospital297FTE
- University of New Mexico-Gallup CampusTwo-year college186
- SafewaySupermarkets and other grocery stores130
- Hozho AcademySchool district109FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 7 workplaces with 20 or more staff, 849 people in all. School districts come from the Common Core of Data (NCES, 2023–24), federal offices from OPM's federal workforce data (2026), hospitals from their Medicare cost reports (CMS, 2023) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- LightningRelatively high
- Winter weatherRelatively high
- Cold wavesRelatively high
- Inland floodingrelatively high in parts of GallupRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Gallup’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on McKinley County and the Gallup, NM metro.
Gallup home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Gallup$216,668
- New Mexico$315,812
- United States$366,157
Sellers are cutting prices on about 1 in 6 Gallup listings — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Gallup15.97%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Gallup50
New listings per month
Sellers arriving at the market.
- Gallup12
Zip codes with a Gallup address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Gallup — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.