Luna County, NM at a glance
Median household income
$36,419$3,035 per month · U.S. Census Bureau ACS 5-YearHow much rent can you afford in Luna County, NM?
HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.
How much is rent in Luna County, NM? By bedroom, 2026
HUD's fiscal 2026 Fair Market Rents for Luna County, NM, with the income each one takes if rent stays under 30% of it.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $671 | $8,052 | $26,840 | 22.1% |
| 1-Bedroom Apartment | $783 | $9,396 | $31,320 | 25.8% |
| 2-Bedroom ApartmentBenchmark | $973 | $11,676 | $38,920 | 32.1% |
| 3-Bedroom Home | $1,280 | $15,360 | $51,200 | 42.2% |
| 4-Bedroom Home | $1,528 | $18,336 | $61,120 | 50.3% |
What a typical income covers in Luna County, NM
The 50/30/20 rule applied to the local median of $36,419 a year ($3,035 a month before tax).
What $36,419 leaves after New Mexico taxes
Federal income tax, Social Security, Medicare and New Mexico tax on the local median income. Change the salary to see yours.
Rent, jobs and pay in New Mexico
Living in Luna County, NM: common questions
What is the median household income in Luna County, NM?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Luna County, NM is $36,419 per year (approximately $3,035 per month).
What is the average rent in Luna County, NM?
The closest official figure is HUD's Fair Market Rent for 2026: $671 for a studio, $783 for one bedroom, $973 for two, $1,280 for three and $1,528 for four, utilities included.
It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.
Is Luna County, NM expensive to live in?
Prices there run 7.8% below the U.S. average. BEA's regional price parity for New Mexico is 92.2, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.
How much do you need to earn to comfortably afford rent in Luna County, NM?
To keep a $973 two-bedroom under 30% of gross income, a household needs about $38,920 a year, or $3,243 a month. That is 107% of what the typical household in Luna County, NM earns.
How much do you need to live comfortably in Luna County, NM?
On the local median income of $36,419 ($3,035 a month before tax), the 50/30/20 rule leaves $1,517 a month for needs like rent, utilities and groceries, $910 for everything else and $607 for savings or debt. A two-bedroom at $973 takes 64% of the needs share.
How much is the electric bill in Luna County, NM?
Homes in New Mexico paid 15.1¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $136. Your bill depends mostly on heating and cooling.