ZIP Code 85536 — Fort Thomas CDP, AZ Demographics & Data

ZIP code 85536 covers Fort Thomas, AZ in Graham County with a population of about 319.

At a glance, the area shows median age of 38.6 (near the U.S. median).

It sits in telephone area code 928; U.S. House district AZ-6; the PHOENIX (PRESCOTT) media market.

Fort Thomas, AZ reads as a military / base-oriented community on US5’s intent model (base-related place names in city/county context). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 85536 is about $101,083 — about 35% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.3%; unemployment rate near 4.0%; 18.4% of adults with a bachelor’s degree or higher (about 15.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Other services; a mean commute of about 97.0 minutes (U.S. average near 26.8).

Median home value is about $152,500 — about 56% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 69.0% (about 3.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 85536 in Fort Thomas, AZ, a household would need roughly $42,000 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 $980. That sits below the local median household income ($101,083), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Fort Thomas CDP, AZ as Relatively Low (composite score 64.6), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (94.3) and flood (67.9). 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 Fort Thomas CDP, AZ show little to no average snow and around 10.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 11 for ZIP 85536 (Fort Thomas CDP, 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.