Measured against area pay, Upper Fruitland costs less to live in than 96% of U.S. towns
Census 2020–24 home values, rents, tax bills and cost burden, measured against the median household income of the Farmington, NM metro area ($56K). How TownRatings grades cost of living
The grade compares costs with what households across the Farmington metro earn ($56K, Census 2020–24). The typical home costs 1.5 years of metro income, and 0% of renters pay 30% or more of income for housing.
In dollars
- $1,220a month for a two-bedroom, utilities includedHUD Fair Market Rent, 2026
- 88prices across the Farmington metro, where the U.S. is 100 (housing 57)BEA Regional Price Parities, 2024
In paychecks the grade
- 1.5 yrsof area income buys the typical home; the typical U.S. town: 3.3$56K, Farmington-area income
- 20%of owners do; the typical U.S. town: 20%Census 2020–24
What stands out about housing in Upper Fruitland
What’s behind Upper Fruitland’s grade
Measured against what households in the area earn, Upper Fruitland is more affordable than 96% of U.S. towns. The share of households paying 30%+ for housing pulls the grade down most; home prices hold it up.
A typical home costs 1.5 years of area income
The calculator starts from the area income the grade uses. Switch to Upper Fruitland’s own median, or type yours.
That covers a typical Upper Fruitland home, with $138K to spare.
A two-bedroom rents for about $1,220 a month here, $720 more than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, the New Mexico typical property tax (0.70% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
A two-bedroom rents for about $1,220
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Farmington, NM MSA): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
The rest of a budget near Upper Fruitland
Only figures published free for the whole country, each labeled with the area it covers: the Farmington, NM metro area, or New Mexico. Groceries follow the goods price level; nobody publishes them town by town.
| Cost | Here | Compared with | Area | Source |
|---|---|---|---|---|
| Prices overall U.S. = 100 | 88 | NM 92 | metro | BEA, 2024 |
| Goods (groceries, clothing, cars…) U.S. = 100 | 96 | NM 96 | metro | BEA, 2024 |
| Utilities U.S. = 100 | 78 | NM 78 | metro | BEA, 2024 |
| Other services U.S. = 100 | 99 | NM 99 | metro | BEA, 2024 |
Price levels: U.S. Bureau of Economic Analysis, Regional Price Parities 2024 (metro area and state). Electricity: U.S. Energy Information Administration, Electric Power Monthly, table 5.6.A.
Upper Fruitland vs. its neighbors
Zillow publishes no value for Upper Fruitland.
Cost next door · one source per column
| Town | Cost | Typical home Zillow, latest | Median value Census 2020–24 | Tax rate bill ÷ value | 2-bed rent HUD 2026 |
|---|---|---|---|---|---|
| Upper Fruitland | A+ | — | $86K | — | $1,220 |
| Fruitland | – | $280K | — | — | $1,190 |
| Farmington | C | $283K | $233K | 0.61% | $1,180 |
“—” under Zillow: Zillow publishes no value for that town, so it’s left blank rather than mixed with Census figures. “—” under Cost: not graded (too little Census data, or under 1,000 residents).
Questions about the cost of living in Upper Fruitland
Is Upper Fruitland expensive to live in?
Measured against what households in the area earn, Upper Fruitland costs less than 96% of U.S. towns: an A+ for cost of living. The typical home costs 1.5 years of the median household income of the Farmington, NM metro area ($56K).
How much is rent in Upper Fruitland?
HUD puts a two-bedroom at about $1,220 a month with utilities, the going rate for someone moving in.
Neighbors talk housing
What Upper Fruitland buyers, sellers and renters are saying.
Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. The calculator is an estimate, not a loan offer. Regional price levels: BEA; electricity: EIA. How TownRatings grades cost of living.