ZIP Code 86508 — Lupton CDP, AZ Demographics & Data

ZIP code 86508 covers Lupton, AZ in Apache County with a population of about 504.

At a glance, the area shows median age of 38.4 (near the U.S. median).

It sits in telephone area code 928; U.S. House district AZ-2; the ALBUQUERQUE - SANTA FE media market.

Lupton, 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 86508 is about $20,000 — about 73% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 54.3%; unemployment rate near 23.7%; 7.3% of adults with a bachelor’s degree or higher (about 26.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Food services; about 0.9% of workers reporting work-from-home (about 14.3 points below the U.S. share (15.2%)); a mean commute of about 105.0 minutes (U.S. average near 26.8).

Median home value is about $32,900 — about 91% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 93.3% (about 27.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 86508 in Lupton, AZ, a household would need roughly $9,000 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 $211. That sits below the local median household income ($20,000), 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 Lupton CDP, AZ as Relatively Low (composite score 78.8), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (97.9) and flood (80.7). 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 Lupton CDP, AZ show little to no average snow and around 8.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 17 for ZIP 86508 (Lupton 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.