Retiring in Los Lunas
Retiring in Los Lunas offers a genuinely low property tax rate and New Mexico's real Social Security tax exemption, with Albuquerque's larger hospital system nearby.
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Learn moreNew Mexico's real, hard-cliff Social Security exemption
New Mexico exempts Social Security from state tax only when AGI runs under $100,000 single/$150,000 MFJ -- a real, disclosed hard cliff, not a phase-out, and other retirement income remains fully taxable.
A genuinely low property tax rate
Los Lunas's effective property tax rate ran approximately 0.84%, below the national median, though home prices themselves carry a real, disclosed spread ($317,377-$355,000+).
Real proximity to Albuquerque hospitals
No full acute-care hospital sits within Los Lunas itself, but major Albuquerque hospitals are accessible approximately 24 miles away for higher-level retiree care.
Key takeaways
- New Mexico's Social Security exemption applies only below $100,000 single/$150,000 MFJ AGI -- a hard cliff.
- Los Lunas's property tax rate (~0.84%) runs genuinely low, below the national median.
- Retirees needing higher-level hospital care rely on Albuquerque, approximately 24 miles away.
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