Housing Market Analysis · 2026

Rent vs Buy in Los Alamos, NM

Local prices pre-filled. Adjust any input to match your situation.

Median Home Price $568,540
Median Rent $2,758/mo
Price-to-Rent Ratio 17x
YoY Price Change -0.4%
Income Needed $0K

Should you buy in Los Alamos?

Price-to-Rent Ratio

17x — is competitive for buying

A price-to-rent ratio of 17 suggests buying may be competitive with renting in Los Alamos, NM, depending on your mortgage rate and time horizon.

Monthly Cost Gap

Buying currently costs roughly $1,327 more per month than renting the median unit in Los Alamos, NM. That gap is the "opportunity cost" renters can invest — which is why the breakeven point matters so much here.

Price Trends

Home prices in Los Alamos, NM declined 0.4% year-over-year, which creates potential buying opportunities but also signals some market softness worth monitoring.

Affordability

With an income threshold of $0K, Los Alamos, NM is among the more accessible markets for first-time buyers — though the decision still hinges on how long you plan to stay.

Interactive Calculator — Los Alamos Pre-filled

Values are set to Los Alamos, NM medians. Change anything to match your scenario.

At 10 years

Renting wins by $92K

No breakeven in selected timeframe.

Home Purchase
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Rent & Growth Assumptions
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Down Payment$113,708
Closing Costs$17,056

Monthly Cost (Year 1)

Buy $4,085
Rent $2,758
Mortgage$2,965
Tax$521
Insurance$125
Maintenance$474

Wealth Over Time

Buyer Wealth $365,417
Renter Wealth $457,678
Breakeven No breakeven
YearBuyerRenterWinner
1$103K$157KRent
2$128K$184KRent
3$153K$212KRent
4$180K$242KRent
5$208K$274KRent
6$236K$307KRent
7$267K$342KRent
8$298K$378KRent
9$331K$417KRent
10$365K$458KRent

Common Questions — Renting vs Buying in Los Alamos

Other NM Markets to Compare

See how the rent-vs-buy math stacks up in other NM cities.