ZIP Code 85123 — Eloy city, AZ Demographics & Data

ZIP code 85123 covers Eloy, AZ in Pinal County with a population of about 8,828.

At a glance, the area shows median age of 49.9 versus a U.S. median of about 38.9.

It sits in telephone area code 520; U.S. House district AZ-6; the PHOENIX (PRESCOTT) media market.

Median household income in ZIP 85123 is about $60,610 — about 19% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.8%; unemployment rate near 3.1%; 11.5% of adults with a bachelor’s degree or higher (about 22.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Public administration; about 7.8% of workers reporting work-from-home (about 7.4 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 $226,000 — about 35% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $828 (about 29% below the U.S. median rent ($1,163)), and owner-occupancy near 79.0% (about 13.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 85123 in Eloy, AZ, a household would need roughly $62,000 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 $1,452. That is roughly in line with the local median household income ($60,610). 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 Eloy city, AZ as Relatively Moderate (composite score 93.8), which is among the highest nationally. The strongest component scores on US5 are wildfire (98.0) and flood (96.4). 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 Eloy city, AZ show little to no average snow and around 8.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 296 for ZIP 85123 (Eloy city, AZ) 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.