Total monthly cost of ownership
Cost to Own a Home in Los Alamos, New Mexico
A $458,000 home here costs
$3,352per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,355. The real number is $997 higher every month — 42% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Los Alamos against Los Alamos County and New Mexico
| Measure | Los Alamos | Los Alamos County |
|---|---|---|
| Median home value | $458,200 | $452,500 |
| Median property tax | $2,637 | $2,591 |
| Effective tax rate | 0.576% | 0.573% |
| Median gross rent | $1,304 | $1,308 |
| Population | 13,471 | 19,374 |
The weather behind that power bill
Los Alamos sits in Los Alamos County, which averages a high of 82.5°F in its hottest month and a low of 20.5°F in its coldest, with 17.49" of precipitation a year and 47% of it in a single three-month stretch. That climate drives 397 cooling and 5,929 heating degree days, which is what sets the $127 electricity line above.
See the full climate breakdown for Los Alamos County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Los Alamos County
Full Los Alamos County cost breakdown · Every county in New Mexico
Common questions
How much does it cost to own a home in Los Alamos?
A $458,000 home in Los Alamos, New Mexico costs approximately $3,352 per month with 20% down at 6.66%. That is $2,355 principal and interest, $220 property tax, $201 homeowners insurance, $195 utilities and $382 set aside for maintenance.
What is the property tax rate in Los Alamos?
Los Alamos has an effective property tax rate of 0.576%, based on a median home value of $458,200 and median real estate taxes of $2,637. That is in line with the Los Alamos County average of 0.573%.
What is the average home price in Los Alamos?
The median owner-occupied home value in Los Alamos, New Mexico is $458,200, against $452,500 across Los Alamos County.
Is it cheaper to rent or buy in Los Alamos?
Median gross rent in Los Alamos is $1,304 a month, against $3,352 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Los Alamos — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for New Mexico.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.