ZIP Code 86544 — Red Rock CDP, AZ Demographics & Data

ZIP code 86544 covers Red Rock, AZ in Apache County with a population of about 1,587.

At a glance, the area shows median age of 38.1 (near the U.S. median).

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

Red Rock, 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 86544 is about $23,295 — about 69% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 36.4%; unemployment rate near 8.2%; 5.6% of adults with a bachelor’s degree or higher (about 28.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Construction, and Retail trade; about 5.2% of workers reporting work-from-home (about 10.0 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 $49,500 — about 86% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 84.2% (about 18.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 86544 in Red Rock, AZ, a household would need roughly $14,000 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 $318. That sits below the local median household income ($23,295), 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 Red Rock 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 Red Rock CDP, AZ show little to no average snow.

IRS migration statistics show a net inflow of about 53 for ZIP 86544 (Red Rock 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.