ZIP Code 84604 — Provo city, UT Demographics & Data

ZIP code 84604 covers Provo, UT in Utah County with a population of about 43,749.

At a glance, the area shows median age of 23.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 385, 801; U.S. House district UT-3; the SALT LAKE CITY media market.

Median household income in ZIP 84604 is about $74,522 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.2%; unemployment rate near 4.9%; 56.1% of adults with a bachelor’s degree or higher (about 22.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Retail trade; about 15.1% of workers reporting work-from-home (roughly in line with 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 $520,500 — about 50% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,004 (about 14% below the U.S. median rent ($1,163)), and owner-occupancy near 50.7% (about 14.7 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 84604 in Provo, UT, a household would need roughly $143,000 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 $3,344. That is about 92% above the local median household income ($74,522), so the median earner would likely stretch or need a larger down payment. 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 Provo city, UT as Relatively High (composite score 95.3), which is among the highest nationally. The strongest component scores on US5 are wildfire (98.9) and flood (90.5). 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 Provo city, UT show little to no average snow.

IRS migration statistics show a net inflow of about 3,315 for ZIP 84604 (Provo city, 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.