ZIP Code 87301 — Gallup city, NM Demographics & Data

ZIP code 87301 covers Gallup, NM in McKinley County with a population of about 21,981.

At a glance, the area shows median age of 34.1 versus a U.S. median of about 38.9.

It sits in telephone area code 505; U.S. House district NM-3; the ALBUQUERQUE - SANTA FE media market.

Gallup, NM sits in a university / college context (near university of new mexico-gallup campus (2.3 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 87301 is about $58,302 — about 22% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 27.4%; unemployment rate near 5.8%; 22.6% of adults with a bachelor’s degree or higher (about 11.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 6.6% of workers reporting work-from-home (about 8.6 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 $134,700 — about 61% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $705 (about 39% below the U.S. median rent ($1,163)), and owner-occupancy near 50.3% (about 15.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 87301 in Gallup, NM, a household would need roughly $37,000 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 $865. That sits below the local median household income ($58,302), 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 Gallup city, NM as Relatively Low (composite score 78.2), which is elevated versus much of the country. The strongest component scores on US5 are flood (86.8) and wildfire (78.7). 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 Gallup city, NM show little to no average snow and around 12.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 694 for ZIP 87301 (Gallup city, NM) 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.