Jubilee Los Lunas — Los Lunas, NM

Gated 55+ master-planned • Valencia County • 300+ homes • 80K-20K

Jubilee Los Lunas is positioned as New Mexico's most affordable large-scale 55+ gated community, located at the base of the El Cerro de Los Lunas Mountains in Valencia County, about 20 minutes south of downtown Albuquerque. Valencia County's effective property tax rate (~0.56%) is the lowest of the three counties hosting Albuquerque-area 55+ communities — meaningfully lower than Bernalillo or Sandoval. For a 80,000 home, the Valencia County tax bill runs approximately ,100/year vs. ,200 in Bernalillo. The trade-off is a longer drive to Albuquerque amenities and slightly more limited local healthcare access (though major hospitals are 20–25 minutes away). Jubilee offers resort-style amenities and a master-planned community structure with gated entry.

NM Income Tax Reminder: New Mexico taxes pension, IRA, and 401(k) withdrawals at graduated rates up to 5.9%. Social Security is exempt only if MAGI is under $100,000 (single) or $150,000 (married). This applies to all NM communities including this one. Factor it into your retirement income plan before committing to New Mexico.

NM One-Third Assessment Rule: New Mexico taxes residential property on one-third of appraised value. A $400,000 home is taxed on approximately $133,000 of assessed value. At Valencia County rates, this produces one of the lower effective property tax rates in the Sun Belt.

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Jubilee Los Lunas — Los Lunas, NM

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the right 55+ community?