ZIP Code 87321 — Ramah CDP, NM Demographics & Data

ZIP code 87321 covers Ramah, NM in Cibola County with a population of about 2,401.

At a glance, the area shows median age of 54.2 versus a U.S. median of about 38.9.

It sits in telephone area code 505; U.S. House district NM-2; the ALBUQUERQUE - SANTA FE media market.

Median household income in ZIP 87321 is about $60,345 — about 20% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.6%; unemployment rate near 13.4%; 31.0% of adults with a bachelor’s degree or higher (about 2.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Construction, and Healthcare; about 2.5% of workers reporting work-from-home (about 12.7 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 $160,200 — about 54% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $923 (about 21% below the U.S. median rent ($1,163)), and owner-occupancy near 70.9% (about 5.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 87321 in Ramah, NM, a household would need roughly $44,000 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 $1,029. That sits below the local median household income ($60,345), 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 Ramah CDP, NM as Relatively Low (composite score 58.4), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (83.1) and flood (73.4). 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 Ramah CDP, NM show little to no average snow and around 13.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 76 for ZIP 87321 (Ramah 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.