1st Advantage MortgageIn Guadalupe County, New Mexico, the typical household earns $42,750 a year and the typical rent is $590. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Guadalupe County by the numbers
- The Guadalupe County housing market in figures
- Household income in Guadalupe County
- Guadalupe County's most unusual numbers
- How Guadalupe County residents earn a living
- How Guadalupe County compares with nearby counties
- Places inside Guadalupe County
- People and households in Guadalupe County
- What a median Guadalupe County budget can carry
- What the numbers mean for Guadalupe County borrowers
- Who licenses lenders for Guadalupe County residents
- A Guadalupe County borrower's checklist
- Other New Mexico guides
- Frequently asked questions
Guadalupe County by the numbers
Roughly 4,381 residents live in Guadalupe County, New Mexico, 27th by population among the state's 33 counties and county equivalents. Its 3,030 square miles average 1 person per square mile, by the 2024 Census Gazetteer. No metropolitan area includes Guadalupe County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. The Census Bureau counts 7 places in the county (2 incorporated, 5 census-designated); the largest is Santa Rosa, with about 2,462 residents, or 56% of the county. Small populations mean wide margins of error, so read every Guadalupe County figure on this page as a rough guide.
The Guadalupe County housing market in figures
Guadalupe County rent at the median: $590 a month, utilities in ($1,067 in New Mexico). About 4 in 10 Guadalupe County renters pay 30% or more of income for rent. With a median value of $110,000, a typical Guadalupe County house costs 2.6 times what the median household earns in a year. Homeowners 75%, renters 25%. Half the housing stock was built before 1976.
| Cost | Guadalupe County | New Mexico figure | Higher or lower |
|---|---|---|---|
| Burdened owners | 17% | 29% | -11.9 pts |
| Rent-burdened renters | 39% | 50% | -10.9 pts |
| Median home value | $110,000 | $248,100 | 56% lower |
| Owners | 75% | 70% | +4.7 pts |
| Median gross rent | $590/mo | $1,067/mo | 45% lower |
At a $110,000 median value, many Guadalupe County owners hold equity. Using it lowers cost only if you can carry the risk (equity vs. unsecured).
Household income in Guadalupe County
$42,750 is the median household income for Guadalupe County, set against $64,059 for New Mexico. In the state ranking that is 28th of 32.
| Band | Guadalupe County | Compared with New Mexico |
|---|---|---|
| Under $35,000 | 40.5% | +11.9 pts |
| $35,000 to $99,999 | 35.1% | -5.4 pts |
| $100,000 to $199,999 | 14.6% | -8.5 pts |
| $200,000 or more | 9.8% | +2.0 pts |
On the low end, 41% of Guadalupe County households report under $35,000; at the top, 24% report $100,000-plus. Poverty rate, Guadalupe County: 25.5%; New Mexico: 17.8%. None of these numbers decides a Guadalupe County application. Lenders weigh your own documented income against your own debts.
Guadalupe County's most unusual numbers
The 3 Guadalupe County numbers that rank furthest from typical in New Mexico, and what each means for a borrower:
- On median gross rent, Guadalupe County sits near the bottom of New Mexico at $590/mo, 2nd lowest of 33. Cheaper housing gives many renters more slack in a budget.
- On the share of workers who work from home, Guadalupe County sits near the bottom of New Mexico at 2.9%, 2nd lowest of 33. Most workers travel to a job here, so commuting costs are part of the budget.
- The ACS unemployment rate: 2.6% in Guadalupe County. Only 2 of 33 New Mexico counties are lower. A tight job market helps steady income, but lenders still verify it.
How Guadalupe County residents earn a living
Top Guadalupe County industry by residents employed: retail trade, 23%; second, education and health care, 21%. Retail trade stands out: 23% of workers here, versus 11% statewide. Unemployment in Guadalupe County, ACS five-year: 2.6%; New Mexico: 6.0%. 8% of commuters travel 45 minutes or more each way, and 3% work from home.
| Top industries | Guadalupe County share | +/- vs New Mexico |
|---|---|---|
| Retail trade | 22.7% | +12.0 pts |
| Education and health care | 21.0% | -4.7 pts |
| Construction | 15.2% | +7.7 pts |
| Public administration | 10.1% | +2.7 pts |
| Arts, lodging and food service | 8.8% | -1.2 pts |
| Transportation, warehousing and utilities | 5.5% | +0.5 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
How Guadalupe County compares with nearby counties
Six nearby counties, 42 to 84 miles away by the straight-line distance between their centers. Income ranges from $41,946 in Quay County to $79,071 in Santa Fe County; 5 of these neighbors top Guadalupe County's median.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Guadalupe County | - | $42,750 | $590/mo | 75% |
| San Miguel County, NM | 42 mi | $49,431 | $823/mo | 73% |
| Torrance County, NM | 66 mi | $57,842 | $872/mo | 82% |
| Quay County, NM | 72 mi | $41,946 | $712/mo | 72% |
| Mora County, NM | 77 mi | $53,663 | $887/mo | 87% |
| Santa Fe County, NM | 80 mi | $79,071 | $1,389/mo | 72% |
| Curry County, NM | 84 mi | $57,309 | $1,024/mo | 63% |
Places inside Guadalupe County
Here are the 7 most populous of the county's 7 Census places, with income and rent from the same 2020 to 2024 survey. About 86% of Guadalupe County residents live in one of the 7. Live in one of these Guadalupe County communities, or between them? This is your local guide.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Santa Rosa | city | 2,462 | $48,789 | $727 | 8 mi |
| Vaughn | town | 493 | $29,135 | $437 | 30 mi |
| Puerto de Luna | CDP | 378 | $250,001 | n/a | 10 mi |
| Anton Chico | CDP | 276 | n/a | n/a | 30 mi |
| Llano del Medio | CDP | 109 | n/a | n/a | 29 mi |
| Newkirk | CDP | 32 | n/a | n/a | 32 mi |
| Pastura | CDP | 2 | n/a | n/a | 11 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
People and households in Guadalupe County
In Guadalupe County, 16% of adults have at least a four-year degree (31% in New Mexico). 5.1% of residents have no health coverage.
| Measure | Guadalupe County | Gap to New Mexico | Gap to typical U.S. county |
|---|---|---|---|
| Bachelor's or higher | 16.4% | -14.6 pts | -5.8 pts |
| Work from home | 2.9% | -9.3 pts | -5.8 pts |
| Poverty rate | 25.5% | +7.6 pts | +12.3 pts |
| No high school diploma | 17.8% | +5.8 pts | n/a |
| No health insurance | 5.1% | -4.5 pts | -2.7 pts |
| Unemployment (ACS) | 2.6% | -3.4 pts | -1.8 pts |
| Median age | 37.8 | -1.6 yrs | -3.7 yrs |
| No vehicle | 4.8% | -0.9 pts | -0.7 pts |
| One-way commute | Share of Guadalupe County workers |
|---|---|
| Under 15 min | 51.0% |
| 15 to 29 min | 26.0% |
| 30 to 44 min | 14.6% |
| 45 to 59 min | 0.9% |
| 60+ min | 7.5% |
What a median Guadalupe County budget can carry
How much room does a median Guadalupe County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Start: $3,562 gross per month ($42,750 / 12)
- Housing at the median rent of $590 uses 17%
- $692: what a 36% ratio leaves once rent is paid
These are gross figures; take-home pay in Guadalupe County will be lower after taxes and deductions.
What the numbers mean for Guadalupe County borrowers
What the Guadalupe County figures suggest, and what to check first:
- Manufactured homes. 31% of Guadalupe County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Help that costs nothing. About 1,116 Guadalupe County residents live in poverty; see free options before a loan.
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
Who licenses lenders for Guadalupe County residents
Consumer lenders serving Guadalupe County are licensed by the state, not the county; in New Mexico that is the New Mexico Financial Institutions Division. Problems with a lender can also go to the CFPB. More on New Mexico: New Mexico personal loans.
A Guadalupe County borrower's checklist
Before you apply, wherever you live in Guadalupe County:
- Size the loan to the bill, not to the most a lender offers.
- Shop at least three lenders, including one Guadalupe County-area credit union.
- A New Mexico license check takes minutes; do it first.
- Ask a Guadalupe County credit union about member loans.
Other New Mexico guides
The New Mexico guide covers the whole state.
Frequently asked questions
Where does Guadalupe County rank on income in New Mexico?
28th of 32, with a median of $42,750. The state median is $64,059.
How much is rent in Guadalupe County?
Median gross rent, utilities included, is $590 a month; 39% of renters spend 30% or more of income on it.
Is home equity cheaper than a personal loan in Guadalupe County?
Often, because the home secures it. With 75% of Guadalupe County homes owner-occupied, weigh that lower cost against the risk to the house.
I live near Santa Rosa. Which guide is mine?
This one. Santa Rosa and the rest of Guadalupe County have no separate city guide.
Does living in Guadalupe County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Guadalupe County resident as anyone. Lenders decide under fair-lending law.