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Affordable & Income-Based Housing in Gallup

Gallup, NM has 13 affordable and income-based rental properties totaling 579 units across the city. Of the 4 properties with available inspection scores, 3 rated excellent and 1 rated good, suggesting well-maintained conditions overall. With a median market rent of $927 per month (Census ACS 5-Year), income-based housing can offer meaningful savings for eligible renters here.

13
Properties
579
Total units
90/100
Avg HUD score

At a glance

🏠 Affordability
$927/mo

Affordability in Gallup, NM

According to Census ACS 5-Year data (2024), the median monthly rent in Gallup is $927 and the median household income is $58,303 annually. Nearly half of Gallup residents are renters, at 48%, meaning income-based and HUD-assisted housing plays an important role in the local market.

Census ACS 5-Year
🛡️ Safety
1,504 / 100k · 2024

Safety

According to FBI Crime Data Explorer, the Gallup Police Department reported a violent crime rate of 1,504 per 100,000 residents in 2024. Note that crime rates are not directly comparable across cities due to differences in reporting methods and local definitions.

All 4 HUD-assisted properties in Gallup have been mapped for flood risk, and none fall in a high-risk flood zone.

FBI Crime Data Explorer
🚶 Getting around
Walk Score 19 · Car-Dependent

Getting Around Gallup

According to Walk Score, the area around assisted properties in Gallup has a Walk Score of 19 (Car-Dependent) and a Bike Score of 5. Most errands and trips will require a car. No Transit Score was available for this area.

Walk Score
🎓 Schools
19 schools · 5 districts

Schools

Gallup is served by 19 schools across 5 districts -- including 9 elementary, 3 middle, and 7 high schools -- according to NCES Common Core of Data. Ratings vary by school and district, so renters should check the assigned schools for a specific address.

NCES Common Core of Data
📊 Cost of living
$58,303 median income

Cost of Renting in Gallup, NM

The median household income in Gallup is $58,303 per year, according to Census ACS 5-Year estimates. The median gross rent is $927 per month, also per Census ACS 5-Year data.

Affordable and income-based housing in Gallup can help renters whose costs would otherwise strain a household budget. Gallup has 4 HUD-assisted or income-restricted properties totaling 161 units tracked on Lease Lantern.

  • Median household income: $58,303/year (Census ACS 5-Year)
  • Median rent: $927/month (Census ACS 5-Year)
  • Share of renter households: 48% (Census ACS 5-Year)

Income-restricted rents are set as a percentage of the Area Median Income (AMI), so qualifying renters typically pay below the citywide median rent shown above.

Census ACS 5-Year
🌊 Environment & risk

Flood and Environmental Exposure

All 4 assisted properties in Gallup have been mapped for flood zone status, and none are located in a high-risk flood zone. Flood exposure appears low across the city's affordable housing inventory.

FEMA · EPA AirNow
HUD Inspection Scoresavg 90/100(4 of 13 scored)
90+ (3)70–89 (1)No score (9)

13 properties on the map

Top-rated properties

Browse all 13 affordable apartments in Gallup→

Other cities in NM

› Affordable housing in Albuquerque› Artesia income-based apartments› Income-restricted rentals in Belen› Carlsbad affordable apartments› HUD & Section 8 housing in Clovis› Affordable housing in Deming› Farmington income-based apartments› Income-restricted rentals in Grants› Hobbs affordable apartments› HUD & Section 8 housing in Las Cruces› Affordable housing in Las Vegas› Lovington income-based apartments

Your rights & resources

› How HUD & Section 8 housing works› Tenant rights in NM› Housing assistance & waitlists› Free legal aid (LawHelp)› Energy bill help (LIHEAP)

Read more

About Renting in Gallup, NM

Gallup is a small high-desert city in northwestern New Mexico where nearly half of all households rent, according to Census ACS 5-Year data. With 4 HUD-assisted properties and 161 income-based units tracked by Lease Lantern, the affordable housing inventory is modest but scores well -- 3 of the 4 rated properties earned an excellent HUD inspection score.

The median asking rent in Gallup is $927 per month and the median household income is $58,303 annually, both from Census ACS 5-Year data. Understanding how assisted rents compare to the local market can make a real difference for budget-conscious renters.

Gallup is largely car-dependent, with a Walk Score of 19 and a Bike Score of 5, according to Walk Score. Renters relying on daily errands or commuting without a vehicle will want to factor transportation into their housing search.

The Gallup Police Department reported a violent crime rate of 1,504 per 100,000 residents in 2024, per FBI Crime Data Explorer. This is a figure worth weighing carefully as you evaluate neighborhoods and specific properties.

According to NCES Common Core of Data, Gallup is served by 5 school districts with 19 public schools -- 9 elementary, 3 middle, and 7 high schools -- giving families with children a range of options to explore.

None of the 4 tracked properties fall within a high-risk flood zone, based on flood mapping data.

A Closer Look at Gallup Is Coming

Eligibility & how to apply

New Mexico income limits (2026)New Mexico public housing authoritiesSection 8 waitlists in New Mexico

Helpful guides

How Section 8 Vouchers WorkWhat Is Income-Based Housing?How to Apply for Affordable HousingSection 8 vs. LIHTCUnderstanding HUD Inspection ScoresHow Affordable Housing Waitlists Work
Research: what 22,600 HUD inspection scores reveal →