ZIP Code 84038 — Garden CDP, UT Demographics & Data

ZIP code 84038 covers Garden, UT in Rich County with a population of about 589.

At a glance, the area shows median age of 53.1 versus a U.S. median of about 38.9.

It sits in telephone area code 435; U.S. House district UT-1; the SALT LAKE CITY media market.

Median household income in ZIP 84038 is about $93,958 — about 25% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.9%; unemployment rate near 0.0%; 27.5% of adults with a bachelor’s degree or higher (about 6.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Construction, and Retail trade; about 12.8% of workers reporting work-from-home (about 2.4 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $351,400 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 98.6% (about 33.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 84038 in Garden, UT, a household would need roughly $97,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,257. That is roughly in line with the local median household income ($93,958). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Garden CDP, UT as Very Low (composite score 0.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (75.9) and flood (3.0). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Garden CDP, UT show little to no average snow and around 16.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 45 for ZIP 84038 (Garden CDP, UT) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.