New Mexico · Census, HUD and BEA figures · Updated

Cost of Living in San Juan County, NM

Prices around San Juan County, NM run 12.3% below the U.S. average (BEA, the metro area). The typical household there earns $55,872 a year, and HUD puts a two-bedroom at $1,085 a month. Keeping that rent under 30% of income takes about $43,400 a year.

San Juan County, NM at a glance

Median household income

$55,872$4,656 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$1,085HUD FY2026 Fair Market Rent
Price level (U.S. = 100)87.7-12.3% · BEA, the metro area
Electricity15.1¢per kWh · EIA Residential NM
Population120,942Census ACS 5-year estimate

How much rent can you afford in San Juan County, NM?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Affordable (< 30% of income)
HUD Fair Market Rent$1,085Monthly market rent
Share of gross income23.3%Recommended max: 30%
Annual income needed$43,400To meet the 30% standard
Max affordable rent$1,397At 30% of $55,872
0%30% (Affordability standard)100%
Compare against:

How much is rent in San Juan County, NM? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for Farmington, NM MSA, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in San Juan County, NM, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$882$10,584$35,28018.9%
1-Bedroom Apartment$885$10,620$35,40019%
2-Bedroom ApartmentBenchmark$1,085$13,020$43,40023.3%
3-Bedroom Home$1,509$18,108$60,36032.4%
4-Bedroom Home$1,630$19,560$65,20035%

Rent in San Juan County, NM, with the wage each unit needs →

What a typical income covers in San Juan County, NM

The 50/30/20 rule applied to the local median of $55,872 a year ($4,656 a month before tax).

Needs (50%)$2,328/moRent ($1,085 2-BR), utilities (~$136/mo), groceries, transit
Wants (30%)$1,397/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$931/moEmergency fund, retirement, paying down loans

What $55,872 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.

$55,872
$20,000$115,000
Filing status:
Gross salary breakdown$55,872
Net 82%
Fed 8%
NM 3%
FICA 8%
Annual take-home$45,596After all taxes
Monthly deposit$3,800Estimated per month
Biweekly paycheck$1,754Every 2 weeks (26/yr)
Effective tax rate18.4%Total tax burden
Federal income tax$4,525 / yr
New Mexico state income tax$1,477 / yr
FICA (Social Security & Medicare)$4,274 / yr

Living in San Juan County, NM: common questions

What is the median household income in San Juan County, NM?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in San Juan County, NM is $55,872 per year (approximately $4,656 per month).

What is the average rent in San Juan County, NM?

The closest official figure is HUD's Fair Market Rent for 2026: $882 for a studio, $885 for one bedroom, $1,085 for two, $1,509 for three and $1,630 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 San Juan County, NM expensive to live in?

Prices there run 12.3% below the U.S. average. BEA's regional price parity for the metro area is 87.7, 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 San Juan County, NM?

To keep a $1,085 two-bedroom under 30% of gross income, a household needs about $43,400 a year, or $3,617 a month. That is 78% of what the typical household in San Juan County, NM earns.

How much do you need to live comfortably in San Juan County, NM?

On the local median income of $55,872 ($4,656 a month before tax), the 50/30/20 rule leaves $2,328 a month for needs like rent, utilities and groceries, $1,397 for everything else and $931 for savings or debt. A two-bedroom at $1,085 takes 47% of the needs share.

How much is the electric bill in San Juan 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.