ZIP Code 85387 — Surprise city, AZ Demographics & Data

ZIP code 85387 covers Surprise, AZ in Maricopa County with a population of about 19,140.

At a glance, the area shows median age of 52.3 versus a U.S. median of about 38.9.

It sits in telephone area code 623; U.S. House district AZ-9; the PHOENIX (PRESCOTT) media market.

Median household income in ZIP 85387 is about $95,472 — about 27% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.7%; unemployment rate near 2.4%; 35.3% of adults with a bachelor’s degree or higher (about 1.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Finance and insurance; about 20.2% of workers reporting work-from-home (about 5.0 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 $453,800 — about 30% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,188 (about 88% above the U.S. median rent ($1,163)), and owner-occupancy near 93.8% (about 28.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 85387 in Surprise, AZ, a household would need roughly $125,000 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 $2,915. That is about 31% above the local median household income ($95,472), 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 Surprise city, 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 Surprise city, AZ show little to no average snow and around 9.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 642 for ZIP 85387 (Surprise 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.