College Costs in Gallup, NM 2026
Compare tuition, housing, and financial aid across 2 colleges in Gallup, New Mexico. Use our free calculator to estimate your total cost.
Avg Public Tuition
$7,700
per year
Avg Private Tuition
$20,000
per year
Avg Rent Near Campus
$648
per month
Colleges & Universities
2
institutions
Gallup Overview
Population
21,903
Student Population
1,790 (8.2%)
Cost of Living Index
92.3 (avg: 100)
Walk Score
49/100
Transit Score
21/100
Unemployment Rate
3.8%
College Cost Calculator for Gallup
Cost Inputs
Total Cost (4 Years, Public In-State)
$83,512
Total After Financial Aid
$83,512
Annual Cost
$20,878
Annual After Aid
$20,878
Cost Breakdown (4 Years)
If Financed (10-Year Loan at 6.5%)
| Loan Amount | $83,512 |
| Monthly Payment | $948 |
| Total Interest | $30,279 |
| Total Loan Cost | $113,791 |
Universities in Gallup
| University | Type | Annual Tuition |
|---|---|---|
| Gallup State University | Public | $7,250 |
| Gallup Community College | Community | $5,304 |
Gallup has 2 total colleges and universities. Tuition figures are approximate annual in-state rates for the 2025-2026 academic year.
Cost of Living in Gallup vs. National Average
| Category | Gallup | National Avg | Difference |
|---|---|---|---|
| Public Tuition (In-State) | $7,700 | $10,940 | -$3,240 |
| Monthly Rent Near Campus | $648 | $1,050 | -$402 |
| Cost of Living Index | 92.3 | 100 | -7.700000000000003 |
Gallup's cost of living is below the national average. This makes it a more affordable city for students compared to many other college towns.
Student Life in Gallup
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Student Population
1,790 students
Gallup has a total population of 21,903, with approximately 1,790 college students (8.2% of the population). Gallup has a significant student presence that contributes to a diverse cultural scene with restaurants, entertainment, and networking opportunities.
Post-Graduation Outlook in Gallup
$32,984
Starting Salary
3.8%
Unemployment Rate
60%
Graduation Rate
~0 yrs
ROI Payback Period
Return on Investment Analysis
Graduates from colleges in Gallup earn a median starting salary of $32,984, which is -$2,016 more per year than the average high school graduate salary of $35,000. At a 4-year public university cost of $83,512 (including room and board), it would take approximately 0 years of the salary premium to recoup the investment. With average financial aid of $8,192 per student per year, the net cost and payback period can be significantly reduced.
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