HomeNew MexicoMcKinley CountyGallup city
Gallup city, New Mexico: commercial real estate data.
Gallup city 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.
76 sourced place values · tier FULL · 8 sections · 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$227,000
- Ninetieth percentile approval$3,530,000
- 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
A charge-off rate is not published here. only 3 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
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
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
McKinley County, not Gallup
McKinley County context, not Gallup figures
These are McKinley County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Gallup measurements.
- Establishments in McKinley County940
- Employment at those establishments, McKinley County15,236
- Covered employment, McKinley County19,500
- Average annual pay, McKinley County$47,226
- Average weekly wage, McKinley County$908
- Housing units permitted, McKinley County8
- Of those, single family, McKinley County8
- County product, 2024, McKinley County$2,893,527,000
- County product change over the prior year, McKinley County-1.2 percent
- Average income of an arriving household, McKinley County$39,591
Every figure in this section is published for McKinley County as a whole and is not a measurement of Gallup. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $19.9 m, across 16 lenders, median approval $227,000, plus 5 504 approvals worth $6.3 m. 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Gallup figures?
No, and they are labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.