Cost of living in Harding County, NM
Population 748 · Last updated May 21, 2026
Cost breakdown
Single person, by category, per month.
Rent in Harding County
Fair Market Rents by bedroom count.
Source: HUD FMR FY2025
Income and earnings in Harding County
Annual earnings figures from the Census ACS.
Source: ACS 2019-2023 5-Year.
Home values in Harding County
Average values reported by homeowners.
Source: ACS 2019-2023 5-Year
Energy costs in Harding County
Estimated monthly electricity and gas costs.
Source: EIA
Healthcare in Harding County
Insurance premiums and coverage rates.
Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.
Taxes in Harding County
State and local tax rates for New Mexico.
Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.
Transportation in Harding County
Commute patterns and estimated costs.
Source: ACS
Monthly cost estimates for Harding County
What it costs to live in Harding County each month.
- Rent $764
- Energy $130
- Water $60
- Groceries $326
- Transport $320
- Healthcare $480
- Federal tax $495
- State tax $141
- Rent $933
- Energy $156
- Water $70
- Groceries $540
- Transport $420
- Healthcare $864
- Federal tax $363
- State tax $145
- Rent $1,273
- Energy $195
- Water $85
- Groceries $820
- Transport $520
- Healthcare $1,350
- Childcare $1,200
- Federal tax $363
- State tax $145
Frequently asked questions about Harding County
Common questions about cost of living, rent and salary.
What is the average rent in Harding County?
In Harding County, NM, a one-bedroom apartment averages $764 per month, a two-bedroom averages $933 per month, a three-bedroom averages $1,273 per month, according to HUD Fair Market Rent data.
What is the average salary in Harding County?
In Harding County, NM, the average household income is $41,250 per year and individual earnings for full-time workers average $40,341 per year, according to U.S. Census Bureau data.
What is the cost of living in Harding County?
The estimated cost of living in Harding County, NM is approximately $2,716 per month for a single person, $3,491 for a couple, $5,951 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.
What is the sales tax rate in Harding County?
The combined sales tax rate in Harding County, NM is 7.72%, which includes the New Mexico state rate of 5.00% plus an average local rate of 2.72%.
Is Harding County an affordable place to live?
Based on the data, a single person in Harding County, NM would need approximately $2,716 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $41,250 per year ($3,438 per month). Harding County has a high cost of living relative to local earnings.
How much does healthcare cost in Harding County?
The ACA marketplace benchmark premium in Harding County, NM is approximately $480 per month for an individual. Approximately 5.9% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.
What are house prices in Harding County?
The average home value in Harding County, NM is $86,500, with average annual property taxes of $328, according to U.S. Census Bureau data.
How does Harding County compare to other areas?
You can compare Harding County, NM with any other US county using our comparison tool at /compare. Harding County is in New Mexico.
Other counties in New Mexico
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About this data
All figures on this page come from official U.S. government sources, listed below.
- HUD FMR FY2025
- ACS 2019-2023 5-Year
- EIA
- ACS + national avg
- ACS
- USDA + BEA RPP