ZIP Code 85912 — White Mountain Lake CDP, AZ Demographics & Data

ZIP code 85912 covers White Mountain Lake, AZ in Navajo County with a population of about 130.

At a glance, the area shows median age of 59.2 versus a U.S. median of about 38.9.

It sits in telephone area code 928; U.S. House district AZ-2; the PHOENIX (PRESCOTT) media market.

White Mountain Lake, AZ is tagged as a Tribal Nation community context (place names indicate a tribal nation community). Local search often includes tribal government offices, public safety, and Indian Health Service (IHS) / wellness topics alongside standard ZIP demographics.

Median household income in ZIP 85912 is about $72,500 — about 4% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%.

Labor and commute patterns include leading industry context around Retail trade and Transportation; a mean commute of about 62.0 minutes (U.S. average near 26.8).

Median home value is about $154,400 — about 56% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 85912 in White Mountain Lake, AZ, a household would need roughly $43,000 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 $992. That sits below the local median household income ($72,500), 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 White Mountain Lake CDP, AZ as Relatively Moderate (composite score 88.1), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (98.8) and flood (89.5). 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 White Mountain Lake CDP, AZ show little to no average snow and around 11.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 4 for ZIP 85912 (White Mountain Lake 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.