ZIP Code 86044 — Navajo Mountain CDP, AZ Demographics & Data

ZIP code 86044 covers Navajo Mountain, AZ in Coconino County with a population of about 3,090.

At a glance, the area shows median age of 39.3 (near the U.S. median).

It sits in telephone area codes 435, 928; U.S. House district AZ-2; the PHOENIX (PRESCOTT) media market.

Navajo Mountain, 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 86044 is about $28,190 — about 62% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 44.8%; unemployment rate near 34.8%; 6.9% of adults with a bachelor’s degree or higher (about 26.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Retail trade; about 7.7% of workers reporting work-from-home (about 7.5 points below 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 $63,000 — about 82% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $387 (about 67% below the U.S. median rent ($1,163)), and owner-occupancy near 73.6% (about 8.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 86044 in Navajo Mountain, AZ, a household would need roughly $17,000 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 $405. That sits below the local median household income ($28,190), 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 Navajo Mountain CDP, AZ as Relatively Moderate (composite score 94.2), which is among the highest nationally. The strongest component scores on US5 are wildfire (99.4) and flood (96.5). 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 Navajo Mountain CDP, AZ show little to no average snow and around 11.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 104 for ZIP 86044 (Navajo Mountain 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.