Mold Removal Cost And Risk In McKinley County, NM

A typical professional mold job in McKinley County runs about $1,300 to $5,150 before rebuild, using the New Mexico nonmetro price level. Below are the 20 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and New Mexico rules.

1983Median year homes were built

45%Homes built before 1980

31%Homes rented, not owned

$72,100Median home value

25,213Housing units

71,172People

Housing figures from Census ACS 2019 to 2023.

Half the homes in McKinley County were built before 1983, and 45 percent went up before 1980. Older plumbing, roofs and window seals are where slow leaks start, and slow leaks are the mold most home policies leave out. About 31 percent of homes in McKinley County are rented, so most households here carry an owner's policy on the building itself.

Housing age swings by neighborhood. ZIP 87301 has the oldest homes here, a median year of 1976, and ZIP 87347 the newest, 1999.

Typical Prices In McKinley County

JobSizeNational RangeMcKinley County Estimate
Mold Remediationa typical professional job$1,500 to $6,000$1,300 to $5,150
Mold Remediationan attic$2,000 to $7,500$1,700 to $6,450
Mold Inspection and Testinga visual inspection$200 to $600$150 to $500
Mold Inspection and Testingan inspection with samples$300 to $1,000$250 to $850
Mold Inspection and Testinga clearance test$300 to $800$250 to $700

Estimate is the national range times 85.9 divided by 100, the price level for the nonmetro part of the state, rounded to $50. National ranges from Remediational cost guide, price level from BEA Regional Price Parities 2024.

The standard limited fungi endorsement caps mold at $5,000. Against a typical job here of up to $5,150, that cap falls short by about $150 at the top of that range. Read the form

Water Hazards FEMA Rates Here

FEMA rates McKinley County high for winter weather. Water from these events is where mold claims start, and flood water is a separate policy. FloodSmart says mold damage is not covered under standard NFIP flood policies. FloodSmart

HazardFEMA Risk Rating
Inland floodingRelatively Moderate
Coastal floodingNot Applicable
HurricaneNo Rating
Cold waveRelatively Moderate
Winter weatherRelatively High

Source FEMA National Risk Index, December 2025, county level.

ZIP Code Neighborhoods In McKinley County

ZIPAreaMedian Year BuiltBuilt Before 1980Median Home Value
86515McKinley County198345%$57,100
87045McKinley County198734%$56,700
87301McKinley County197659%$134,700
87305McKinley County199031%$49,700
87310McKinley County198836%$66,700
87311McKinley County198932%$39,100
87312McKinley County199138%Not published
87313McKinley County198539%$63,900
87316McKinley County197755%$77,200
87317McKinley County197857%Not published
87319McKinley County198836%$29,600
87320McKinley County198836%$39,300
87322McKinley County198834%$55,300
87323McKinley County199130%$102,700
87325McKinley County198540%$63,700
87326McKinley County198734%$50,500
87327McKinley County198051%$79,300
87347McKinley County19990%$117,300
87365McKinley County19870%Not published
87375McKinley County199126%$37,200

ZIP areas are Census ZIP Code Tabulation Areas, placed in the county that holds most of their land, per the Census 2020 ZIP relationship files.

New Mexico Rules On Mold

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McKinley County Area

Gallup, NM