| Index | Bayard | New Mexico | National |
| Cost of living | 81 | 93 | 100 |
| Goods & Services | 94 | 97 | 100 |
| Groceries | 96 | 97 | 100 |
| Health care | 98 | 97 | 100 |
| Housing | 52 | 86 | 100 |
| Transportation | 96 | 95 | 100 |
| Utilities | 81 | 90 | 100 |
| Cost of living index | |
| Goods & Services index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $38,203 | $3,184 | $891 | $1,146 |
| Renters | $77,792 | $6,483 | $1,815 | $2,334 |
| State | General Sales Tax | With Max Surtax |
| New Mexico | 5% | 8.688% |
| State | Income Tax (Low) | Income Tax (High) |
| New Mexico | 1.7% | 5.9% |
| Item | Bayard | National avg. | Difference |
| Haircut | $24.56 | $24.26 | 1.2% |
| Beauty Salon | $46.00 | $45.56 | 1.0% |
| Toothpaste | $3.67 | $3.70 | 0.8% |
| Shampoo | $1.09 | $1.28 | 15.2% |
| Movie | $13.00 | $12.13 | 7.1% |
| Bowling | $14.33 | $18.00 | 20.4% |
| Item | Bayard | National avg. | Difference |
| Ground Beef | $5.69 | $5.84 | 2.6% |
| Fried Chicken | $1.32 | $1.57 | 16.1% |
| Milk | $4.53 | $4.67 | 3.0% |
| Potatoes | $4.15 | $4.93 | 15.8% |
| Pizza | $12.38 | $12.09 | 2.4% |
| Beer | $10.68 | $10.41 | 2.5% |
| Item | Bayard | National avg. | Difference |
| Optometrist | $150.67 | $125.68 | 19.9% |
| Doctor | $140.33 | $135.78 | 3.4% |
| Dentist | $113.72 | $113.29 | 0.4% |
| Ibuprofen | $10.29 | $10.65 | 3.4% |
| Lipitor | $517.39 | $468.60 | 10.4% |
| Item | Bayard | National avg. | Difference |
| Home Price | $88,800.00 | $184,700.00 | 51.9% |
| Avg. Mortgage Payment | $2,303.17 | $2,346.69 | 1.9% |
| Apartment Rent | $576.00 | $949.00 | 39.3% |
| Item | Bayard | National avg. | Difference |
| Gasoline | $3.35 | $3.46 | 3.3% |
| Tire Balancing | $53.65 | $59.92 | 10.5% |
| Item | Bayard | National avg. | Difference |
| All Electricity | $192.00 | $193.99 | 1.0% |
| Phone | $189.63 | $192.25 | 1.4% |
| City | Population | Cost of Living Index | National Avg. |
| San Lorenzo, NM | 149 | 93 | 7.0% |
| Cobre, NM | 27 | 93 | 7.0% |
| North Hurley, NM | 159 | 77 | 23.4% |
| Hanover, NM | 155 | 80 | 19.6% |
| Santa Clara, NM | 1,708 | 81 | 19.1% |
| Bayard, NM | 2,415 | 81 | 19.3% |
| City | Population | Cost of Living Index | National Avg. |
| Herald Harbor, MD | 2,414 | 142 | 42.3% |
| Excelsior, MN | 2,414 | 164 | 64.3% |
| Richwood, OH | 2,414 | 86 | 13.6% |
| Wright-Patterson AFB, OH | 2,414 | 110 | 10.0% |
| Rockdale, IL | 2,416 | 96 | 3.8% |
| Bayard, NM | 2,415 | 81 | 19.3% |
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