Cost of Living in Eldorado at Santa Fe, NM

Population 5,746 · New Mexico · Data vintage 2023

172
Cost Index
(100 = US avg)
Page updated: · Data vintage: 2023 ACS 5-Year
Sources: Census ACS·BLS·NOAA·EPA·Zillow · Methodology

Eldorado at Santa Fe skews considerably older than the national median, with an average age of 62. Reported household income of $96,692 often reflects pension and investment income rather than wages, which makes the local tax picture — especially property tax treatment — a larger factor than in working-age cities. The labor market has been unusually tight, with unemployment around 2.5% — below most comparable cities in the state.

Geographically, Eldorado at Santa Fe is about 45 miles east of Rio Rancho, the nearest large metro. Median home values run roughly 99% higher than Rio Rancho's $273,000.

Cost Overview

Housing 178
Rent 162

Scale: 100 = US national average. Green < 90, Red > 110.

About the Cost of Living in Eldorado at Santa Fe

The median home value in Eldorado at Santa Fe is $542,800 — 78% above the national median of $305,000. Median rent runs $2,132/month, 62% higher than the national median of $1,314/month. The median household income of $96,692/year is 30% higher than the US median of $74,580. The local unemployment rate is 2.5%, below the national average of 4.8%. New Mexico's top state income tax rate is 5.9% and the combined sales tax is 7.7%. The climate averages highs of 66.8°F and lows of 37.2°F. Overall, Eldorado at Santa Fe has a cost of living index of 172 versus the US average of 100, meaning it is 72% more expensive.

🏠 Housing

Median Home Value
$542,800
78% above avg
Median Rent
$2,132/mo
62% above avg
Price-to-Rent Ratio
21.2x
Favors renting
Property Tax Rate
0.8%
Effective rate

HUD Fair Market Rents by Bedroom

Studio
$678
1 BR
$790
2 BR
$933
3 BR
$1,307
4 BR
$1,549
Owner-occupied 94.6%
Renter-occupied 5.4%

💰 Estimated Monthly Budget

Rent median rent
$2,132
Groceries national estimate
$400
Utilities local estimate
$88
Transportation local gas prices
$126
Estimated Total $2,746/mo

Estimates based on median data and national averages. Actual costs vary.

🛒 Food & Groceries

National BLS average prices (2023). Local prices may vary.

🥚
Eggs (dozen)
$0.548
🍞
White Bread (lb)
$1.912
🥩
Ground Beef (lb)
$5.61

🚗 Transportation

Avg Commute
34.3 min
27% above avg
Gas Price
$3.145/gal
0% below avg
Work From Home
25.6%

Commute Mode

Drove alone
60.8%
Carpooled
9.5%
Public transit
1.1%
Walked
1.0%
Work from home
25.6%

Utilities

Electricity
$0.176/kWh
0% below avg

📋 Taxes

State Income Tax 5.9%
Total Sales Tax 7.7%
State rate 5.0%
Avg local rate 2.7%
Property Tax 0.8%

💼 Income & Employment

Median Household Income
$96,692
30% above avg
Per Capita Income
$65,128
Unemployment Rate
2.5%
48% below avg
Poverty Rate
8.0%
Labor Force Participation
53.7%

🎓 Education

Bachelor's degree+ 35.7%
Graduate degree 31.2%

👥 Demographics

Median Age 61.7
Male median age 61.4
Female median age 62

🌤 Climate

NOAA 1991–2020 Climate Normals

Avg High
66.8°F
Avg Low
37.2°F
Annual Precip
10.7"
10° 30° 50° 70° 90° JFMAMJJASOND High Low Precip
Month JanFebMarAprMayJunJulAugSepOctNovDec
High °F 445059667687898680685444
Low °F 202328344352585649382720
Precip" 0.450.350.660.530.630.551.821.961.341.220.700.50

💨 Air Quality

EPA AQS 2023 — county-level monitoring data

Median AQI 44 — Good
78.5%
Good air days/yr
84
Max AQI recorded
30
PM2.5 days
332
Ozone days

Frequently Asked Questions

What is the cost of living in Eldorado at Santa Fe, NM?

Eldorado at Santa Fe has a cost index of 172 (100 = national average). It is 72% above the national average.

What is average rent in Eldorado at Santa Fe, NM?

The median gross rent in Eldorado at Santa Fe is $2,132 per month based on 2023 Census data.

What is the average home price in Eldorado at Santa Fe?

The median home value in Eldorado at Santa Fe is $542,800 according to 2023 Census ACS data.

What is the median income in Eldorado at Santa Fe?

The median household income in Eldorado at Santa Fe is $96,692 per year (2023 ACS 5-year estimates).

What is the sales tax in Eldorado at Santa Fe, NM?

The combined state and local sales tax rate in Eldorado at Santa Fe is 7.7%. The New Mexico state income tax top rate is 5.9%.

Is Eldorado at Santa Fe, NM affordable?

Eldorado at Santa Fe is above average in cost of living, with an index of 172 — about 72% higher than the national average.

What is the weather like in Eldorado at Santa Fe?

Eldorado at Santa Fe has average high temperatures of 66.8°F and average lows of 37.2°F. Annual precipitation is 10.7". Data from NOAA 1991–2020 Climate Normals.

Eldorado at Santa Fe at a Glance

Population
5,746
Median Income
$96,692
Home Value
$542,800
Median Rent
$2,132/mo
Unemployment
2.5%
Avg High Temp
66.8°F
Sales Tax
7.7%
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