ZIP Code 87320 — Nakaibito CDP, NM Demographics & Data

ZIP code 87320 covers Nakaibito, NM in McKinley County with a population of about 666.

At a glance, the area shows median age of 42.8 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.

Median household income in ZIP 87320 is about $37,500 — about 50% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 35.9%; unemployment rate near 9.2%; 8.8% of adults with a bachelor’s degree or higher (about 24.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Public administration, and Education; about 5.3% of workers reporting work-from-home (about 9.9 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 $39,300 — about 89% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $250 (about 79% below the U.S. median rent ($1,163)), and owner-occupancy near 87.7% (about 22.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 87320 in Nakaibito, NM, a household would need roughly $11,000 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 $252. That sits below the local median household income ($37,500), 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 Nakaibito CDP, 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 Nakaibito CDP, NM show little to no average snow and around 11.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 21 for ZIP 87320 (Nakaibito CDP, 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.