ZIP Code 85331 — Cave Creek town, AZ Demographics & Data

ZIP code 85331 covers Cave Creek, AZ in Maricopa County with a population of about 31,866.

At a glance, the area shows median age of 51.5 versus a U.S. median of about 38.9.

It sits in telephone area code 480; U.S. House district AZ-1; the PHOENIX (PRESCOTT) media market.

Cave Creek, AZ aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 85331 is about $123,710 — about 65% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.4%; unemployment rate near 2.0%; 53.4% of adults with a bachelor’s degree or higher (about 19.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Professional services; about 28.9% of workers reporting work-from-home (about 13.7 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 $674,400 — about 94% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,133 (about 83% above the U.S. median rent ($1,163)), and owner-occupancy near 92.4% (about 27.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 85331 in Cave Creek, AZ, a household would need roughly $186,000 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 $4,332. That is about 50% above the local median household income ($123,710), 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 Cave Creek 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 Cave Creek town, AZ show little to no average snow and around 12.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,069 for ZIP 85331 (Cave Creek 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.