ZIP Code 85295 — Gilbert town, AZ Demographics & Data

ZIP code 85295 covers Gilbert, AZ in Maricopa County with a population of about 54,697.

At a glance, the area shows median age of 31.4 versus a U.S. median of about 38.9.

It sits in telephone area code 480; U.S. House district AZ-5; the PHOENIX (PRESCOTT) media market.

Median household income in ZIP 85295 is about $116,288 — about 55% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.8%; unemployment rate near 2.8%; 49.4% of adults with a bachelor’s degree or higher (about 15.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 22.9% of workers reporting work-from-home (about 7.7 points above 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 $527,400 — about 52% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,771 (about 52% above the U.S. median rent ($1,163)), and owner-occupancy near 64.1% (about 1.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 85295 in Gilbert, AZ, a household would need roughly $145,000 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 $3,388. That is about 25% above the local median household income ($116,288), 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 Gilbert town, AZ as Very High (composite score 99.9), which is among the highest nationally. The strongest component scores on US5 are flood (99.9) and wildfire (99.6). 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 Gilbert town, AZ show little to no average snow.

IRS migration statistics show a net inflow of about 1,835 for ZIP 85295 (Gilbert town, 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.