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Santa Fe, NM

Report status

US location · verified

Neighborhood intelligence

Your Santa Fe relocation brief

Safety, noise, schools, air quality, true cost, hazard, and commute intelligence for Santa Fe.

Median rent

$1,685/mo

HUD 2024

Median household income

$67,663

Census ACS 2022

Median home value

$370,600

Census ACS 2022

Safety score

1/100

FBI CDE

Schools

B+

Estimated

Weather

73°F (H 84° / L 62°)

Open-Meteo

Safety & Crime Index

1/100

FBI CDE

Worth extra due diligence — 143% above average

Below Average

Noise Level

43 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 73°F

Quiet — Low environmental index

High-Level School Grade

B+

Estimated

16:1 staffing ratio · Modeled district estimate from public data

Top 35% statewide

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 97 (100 = avg)

Good / Low Pollen

Side-by-side

Compare with another city

See how Santa Fe stacks up on rent, safety, schools, and weather.

Neighborhood guide

Living in Santa Fe NM

Santa Fe has genuinely comfortable weather: 73°F average with 84°F highs. Combined with $1,685/month rent and 1/100 safety, it makes a strong case for the right mover.

Santa Fe has about 87,617 residents. Scores below are citywide. Your ZIP can land better or worse on rent, crime, and schools.

Is Santa Fe NM Safe?

Santa Fe NM scores 1/100 on safety (well below average). Crime is about 143% above the national average. Research block-level crime data and visit after dark before you commit.

Detail: overall crime index 243 (100 = avg); violent crime index 225; property crime index 260. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Santa Fe NM

Campus scores in the report: Santa Fe Elementary (elementary) at 7/10; Santa Fe Middle School (middle) at 7/10; Santa Fe High School (high) at 8/10. On this 10-point scale, 7 is solidly middle; 9 is a standout.

District picture: about B+ (above average) · Top 35% statewide. Student-teacher staffing: 16:1. If schools drive your move, compare the specific campuses that serve your target address against statewide peers.

Cost of Living in Santa Fe NM

Typical rent in Santa Fe is about $1,685/month (on the high side). At $1,685/month for a typical unit, you need about $60,660+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $370,600.

Median household income is $67,663, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($67,663) clears the $60,660 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Santa Fe NM

Average temperature is about 73°F (highs near 84°F, lows near 62°F).

Most of the year is outdoor-friendly; peak summer still needs AC for comfort. Cooling costs matter more than heating for most of the year. If you visit, go in late summer so you feel the heat, not just a mild weekend.

Who Should Move to Santa Fe NM?

Who tends to thrive in Santa Fe: (1) Households earning $60,660+ who can clear the 3× rent rule at $1,685/month (2) Movers with a locked job offer in Santa Fe who already priced rent, schools, and commute (3) Buyers comparing mid-size metros who will tour multiple ZIPs before signing (4) People who will visit on a weekday and a weekend before committing (not just a long weekend)

Who should look elsewhere: (1) People with young kids who want to let them roam freely (crime pressure is real here; safety 1/100) (2) Anyone stretching past 40% of take-home on housing at $1,685/month (3) Households expecting top marks on rent, safety, and schools at once (Santa Fe does not clear every bar)

Income sniff test: clear about $60,660 household income for $1,685/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Moving to Santa Fe requires serious research first. Safety scores 1/100 which is significantly below average. If you have a specific reason to be here that justifies the tradeoff, go in with eyes open on neighborhood selection.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Santa Fe.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$2,549

Mortgage + tax + insurance + HOA

Annual property tax

$5,374

Annual est. $5,580

Est. monthly utilities

$611

Climate-adjusted electric, gas & water

Median home price

$370,600

Census ACS 2022

Home price trend

5-year median sale price

+11.2% · 5 yr
$333k
2022
$342k
2023
$351k
2024
$361k
2025
$371k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$864/mo vs buying
$1,685HUD 2024
Rent
$2,549
Buy

Mortgage

$1,874

Property tax

$448

Insurance

$132

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$4,918/yr

2024

1.37%

$5,066/yr

2025

1.41%

$5,217/yr

2026

1.45%

$5,374/yr

Buying in Santa Fe? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

30 (100 = avg)

low exposure

Est. annual homeowners insurance

$1,588/yr

moderate exposure
Wind hazard index97 (100 = avg)
Tornado index
Earthquake index
Insurance trendTypical near-term temperature around 73°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $1,588.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Santa Fe to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo