HomeNew MexicoMcKinley CountyGallup
Gallup, New Mexico: commercial real estate data.
Gallup is a Census city of 21,023 people across 20.19 square miles of land, in McKinley County. Median household income is $58,303, 52.1 percent of occupied homes are owned, and the SBA record carries 24 7(a) approvals to borrowers here worth $19.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Gallup
What Gallup is
- Census place typecity
- Land area20.19 sq mi
- Water area0 sq mi
- Population per square mile of land1,041
- County holding the largest share of its areaMcKinley County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gallup
How many people live in Gallup
- Population21,023
- Median age34.4
- Population under 186,391
- Share under 1830.4 percent
- Population 65 and over3,019
- Share 65 and over14.4 percent
- Households6,919
- Family households4,613
- Share of households that are families66.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gallup
Income and work in Gallup
- Median household income$58,303
- Per capita income$25,302
- Civilian labor force8,093
- Employed7,635
- Unemployed458 plus or minus 153
- Unemployment rate5.7 percent plus or minus 1.9
- Adults 25 and over13,209
- Adults 25 and over with a high school diploma or higher89.7 percent
- Adults 25 and over with a bachelor degree or higher23.5 percent
- Adults 25 and over with a graduate degree9.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gallup
Housing in Gallup
- Housing units7,462
- Occupied units6,919
- Vacant units543 plus or minus 174
- Vacancy rate7.3 percent plus or minus 2.3
- Owner occupied3,607
- Renter occupied3,312
- Ownership rate52.1 percent
- Median owner-occupied home value$165,200
- Median gross rent, monthly$927
- Annual rent as a share of median income19.1 percent
- Single family units4,221
- Share single family56.6 percent
- Units in buildings of two or more1,827
- Share in buildings of two or more24.5 percent
- Mobile homes1,387 plus or minus 282
- Median year structure built1977
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gallup
How Gallup gets to work
- Workers 16 and over who commute7,186
- Commuting under 15 minutes3,608
- Share commuting under 15 minutes50.2 percent
- Commuting 30 minutes or more1,555 plus or minus 352
- Share commuting 30 minutes or more21.6 percent plus or minus 4.6
- Drove alone84.3 percent
- Carpooled6.8 percent plus or minus 2.2
- Public transport2.2 percent plus or minus 1.8
- Walked1.0 percent plus or minus 0.7
- Worked from home5.4 percent plus or minus 1.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gallup
SBA loans in Gallup (7(a))
- Approvals24
- Gross approval$19,895,100
- Average approval$828,963
- Median approval$213,500
- Ninetieth percentile approval$3,104,000
- Largest approval$4,290,000
- Jobs supported222
- Jobs per approval9.3
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more33.3 percent
- Share to franchises12.5 percent
- Distinct lenders16
- Distinct industries by NAICS15
Counted by borrower city: approvals to borrowers whose address is in Gallup, in any county, FY2020 to FY2026. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Gallup
SBA loans in Gallup (504)
- Approvals5
- Gross approval$6,270,000
- Average approval$1,254,000
- Median approval$1,263,000
- Largest approval$2,814,000
- Jobs supported58
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Gallup, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Gallup
Flood risk in Gallup
- NFIP communityCity of Gallup
- NFIP community number350042
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/17/10
The City of Gallup participates in the National Flood Insurance Program as community 350042 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
McKinley County, not Gallup
McKinley County context, not Gallup figures
- Establishments in McKinley County940
- Covered employment, McKinley County19,500
- Average annual pay, McKinley County$47,226
- Housing units permitted, McKinley County8
Every figure in this section is published for McKinley County as a whole and is not a measurement of Gallup.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Gallup questions, answered from the record.
How many people live in Gallup, New Mexico?
21,023, in 6,919 households. Gallup city covers 20.19 square miles of land, which is 1,041 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Gallup in?
McKinley County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Gallup?
$58,303. The median owner-occupied home is valued at $165,200. Median gross rent is $927 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Gallup businesses?
24 7(a) approvals totaling $19.9 m since FY2020, across 16 lenders, median approval $213,500, plus 5 504 approvals worth $6.3 m since FY2010. These count approvals to borrowers whose address is in Gallup, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Gallup borrowers get paid back?
No rate is published for Gallup. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Gallup in the National Flood Insurance Program?
Yes. Gallup appears in the FEMA Community Status Book as Gallup, city of, community 350042, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Gallup figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for McKinley County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Gallup.
Is zoning published for Gallup?
No. Nothing on this page presents parcel level zoning.