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Chama, NM
Full City Profile · New Mexico · Rio Arriba County County
2.4
/5.0
C
Fair
748
Population
260/sq mi density
$194,300
Home Value
$319,182 Zillow
$529
Median Rent
21.5% income on rent
42°F
Avg Temperature
323 sunny days/yr
C
Overall
2.4 / 5.0
Fair overall score based on economy, affordability, safety and education
C+
Safety
2.5 / 5.0
0 violent crimes/100K
C
Education
2.4 / 5.0
17.1% bachelor's degree or higher
Cost Overview
Cost of Living Index
92.2
Below national average
100 = US average
Median Monthly Rent
$529
55% below US avg
Avg Annual Property Tax
$2,640
25% below US avg ($3,500)
Fair Market Rents (HUD FY2026)
Studio
$828
per month
1 Bedroom
$927
per month
2 Bedroom
$1,129
per month
3 Bedroom
$1,496
per month
4 Bedroom
$1,758
per month
Healthcare 40 services
| Doctor Visit (Primary Care) | $230.50 |
| Specialist Visit | $322.70 |
| Urgent Care Visit | $184.40 |
| Emergency Room Visit | $2,028.40 |
| Dental Cleaning | $119.86 |
| Dental Filling | $230.50 |
| Root Canal | $922.00 |
| Dental Crown | $1,106.40 |
| Tooth Extraction | $230.50 |
| Wisdom Teeth Removal | $1,383.00 |
| Teeth Whitening | $461.00 |
| Dental Implant | $3,688.00 |
| Eye Exam | $184.40 |
| Glasses (Prescription) | $322.70 |
| Contact Lenses (Annual) | $230.50 annual |
| LASIK (Per Eye) | $2,305.00 per eye |
| X-Ray | $230.50 |
| MRI | $1,383.00 |
| CT Scan | $1,106.40 |
| Ultrasound | $368.80 |
| Blood Test (Basic Panel) | $138.30 |
| Physical Therapy (Session) | $138.30 per session |
| Chiropractor Visit | $69.15 |
| Dermatologist Visit | $230.50 |
| Mental Health Therapy | $161.35 per session |
| Psychiatrist Visit | $276.60 |
| Colonoscopy | $2,305.00 |
| Mammogram | $276.60 |
| Knee Replacement | $32,270.00 |
| Hip Replacement | $29,504.00 |
| Cataract Surgery (Per Eye) | $3,227.00 per eye |
| ACL Surgery | $23,050.00 |
| Appendectomy | $13,830.00 |
| C-Section Delivery | $20,284.00 |
| Normal Childbirth | $11,986.00 |
| Flu Shot | $36.88 |
| COVID Test | $92.20 |
| Prescription (Generic, 30-day) | $13.83 per month |
| Prescription (Brand, 30-day) | $230.50 per month |
| Ambulance Ride | $1,106.40 |
Auto Repair 18 services
| Oil Change (Conventional) | $41.49 |
| Oil Change (Synthetic) | $69.15 |
| Brake Pad Replacement | $276.60 |
| Tire Rotation | $36.88 |
| New Tires (Set of 4) | $553.20 set of 4 |
| Battery Replacement | $184.40 |
| Transmission Repair | $2,766.00 |
| AC Repair | $461.00 |
| Windshield Replacement | $322.70 |
| Wheel Alignment | $92.20 |
| Spark Plug Replacement | $184.40 |
| Alternator Replacement | $461.00 |
| Timing Belt Replacement | $645.40 |
| Car Detailing (Full) | $184.40 |
| Towing (Per Mile) | $4.61 per mile |
| State Inspection | $27.66 |
| Emissions Test | $46.10 |
| Check Engine Diagnostic | $92.20 |
Home Services 25 services
| Plumber (Per Hour) | $92.20 per hour |
| Electrician (Per Hour) | $82.98 per hour |
| HVAC Repair | $368.80 |
| HVAC System Install | $6,454.00 |
| Roof Repair | $922.00 |
| Roof Replacement | $8,298.00 |
| Interior Painting (Avg Home) | $2,305.00 |
| Exterior Painting (Avg Home) | $3,227.00 |
| Pest Control (One-Time) | $184.40 |
| Pest Control (Annual Plan) | $461.00 annual |
| Carpet Cleaning (3 Rooms) | $161.35 |
| Lawn Mowing (Per Visit) | $46.10 per visit |
| Lawn Care (Monthly) | $138.30 monthly |
| Tree Removal | $737.60 |
| Gutter Cleaning | $184.40 |
| Pressure Washing (House) | $276.60 |
| Foundation Repair | $4,610.00 |
| Kitchen Remodel (Mid-Range) | $27,660.00 |
| Bathroom Remodel (Mid-Range) | $11,064.00 |
| Flooring Install | $7.38 per sq ft |
| Window Replacement | $599.30 per window |
| Fence Install (Wood) | $27.66 per ft |
| Garage Door Replacement | $1,106.40 |
| Water Heater Replacement | $1,383.00 |
| Septic Tank Pumping | $368.80 |
Legal 12 services
| Divorce (Uncontested) | $1,383.00 |
| Divorce (Contested) | $13,830.00 |
| DUI Defense | $4,610.00 |
| Bankruptcy (Chapter 7) | $1,383.00 |
| Will Preparation | $461.00 |
| Trust Preparation | $2,305.00 |
| Real Estate Closing | $1,844.00 |
| Traffic Ticket Defense | $276.60 |
| LLC Formation | $461.00 |
| Immigration Consultation | $276.60 |
| Criminal Defense (Misdemeanor) | $2,766.00 |
| Personal Injury (Contingency) | $30.43 % of settlement |
Personal Care 12 services
| Men's Haircut | $23.05 |
| Women's Haircut | $50.71 |
| Hair Coloring (Full) | $138.30 |
| Manicure | $23.05 |
| Pedicure | $36.88 |
| Massage (1 Hour) | $73.76 per session |
| Facial Treatment | $92.20 |
| Gym Membership | $46.10 monthly |
| Personal Trainer (Session) | $64.54 per session |
| Dry Cleaning (Suit) | $13.83 |
| Laundromat (Per Load) | $3.69 per load |
| Spa Day Package | $230.50 |
Food & Grocery 20 services
| Gallon of Milk | $3.78 per gallon |
| Dozen Eggs | $3.23 per dozen |
| Loaf of Bread | $3.50 |
| Chicken Breast | $4.15 per lb |
| Ground Beef | $5.07 per lb |
| Rice | $0.92 per lb |
| Bananas | $0.60 per lb |
| Apples | $1.66 per lb |
| Coffee | $6.92 per lb |
| Gasoline | $3.23 per gallon |
| Fast Food Meal | $9.22 |
| Restaurant Meal (Casual) | $16.60 |
| Restaurant Meal (Fine Dining) | $55.32 |
| Pizza Delivery (Large) | $16.60 |
| Coffee (Cafe Latte) | $5.07 |
| Beer (6-Pack Domestic) | $9.22 |
| Wine (750ml, Mid-Range) | $13.83 |
| Cigarettes (Pack) | $7.84 per pack |
| Baby Formula (Can) | $23.05 |
| Dog Food (Monthly) | $46.10 monthly |
Utilities 8 services
| Electricity (Monthly) | $129.08 monthly |
| Natural Gas (Monthly) | $64.54 monthly |
| Water/Sewer (Monthly) | $64.54 monthly |
| Internet (Monthly) | $64.54 monthly |
| Cell Phone Plan (Monthly) | $59.93 monthly |
| Cable TV (Monthly) | $78.37 monthly |
| Trash Collection (Monthly) | $32.27 monthly |
| Home Insurance (Annual) | $1,844.00 annual |
Transportation 8 services
| Monthly Parking (Downtown) | $184.40 monthly |
| Car Insurance (Annual) | $1,844.00 annual |
| Bus Pass (Monthly) | $64.54 monthly |
| Taxi/Uber (5-Mile Ride) | $13.83 |
| Car Registration (Annual) | $92.20 annual |
| Driver's License Renewal | $27.66 |
| Tolls (Monthly Commuter) | $46.10 monthly |
| Vehicle Property Tax (Annual) | $368.80 annual |
Education & Childcare 8 services
| Daycare (Infant, Monthly) | $1,106.40 monthly |
| Daycare (Toddler, Monthly) | $922.00 monthly |
| After-School Care (Monthly) | $368.80 monthly |
| Tutoring (Per Hour) | $46.10 per hour |
| SAT/ACT Prep Course | $922.00 |
| Private School (K-12, Annual) | $11,525.00 annual |
| Community College (Annual) | $3,688.00 annual |
| State University (Annual) | $9,220.00 annual |
Pets 9 services
| Vet Visit (Routine Checkup) | $55.32 |
| Dog Vaccination (Annual) | $92.20 annual |
| Dog Grooming | $55.32 |
| Pet Boarding (Per Night) | $36.88 per night |
| Dog Spay/Neuter | $276.60 |
| Cat Spay/Neuter | $184.40 |
| Pet Emergency Visit | $737.60 |
| Dental Cleaning (Dog) | $368.80 |
| Microchipping | $46.10 |
Complete Cost Data
Housing Costs
| Cost of Living Index | 92.2 |
| Median Rent | $529 |
| Rent Burden | 21.5% |
| Property Tax (IRS) | $2,640 |
| FMR Studio | $828 |
| FMR 1-Bedroom | $927 |
| FMR 2-Bedroom | $1,129 |
| FMR 3-Bedroom | $1,496 |
| FMR 4-Bedroom | $1,758 |
Income Context
| Per Capita Income | $35,384 |
| IRS Avg AGI | $52,599 |