ZIP Code 87420 — Shiprock CDP, NM Demographics & Data

ZIP code 87420 covers Shiprock, NM in San Juan County with a population of about 11,048.

At a glance, the area shows median age of 35.4 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 87420 is about $38,079 — about 49% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 27.9%; unemployment rate near 14.1%; 10.9% of adults with a bachelor’s degree or higher (about 22.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Food services; about 2.1% of workers reporting work-from-home (about 13.1 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 $101,600 — about 71% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $503 (about 57% below the U.S. median rent ($1,163)), and owner-occupancy near 54.9% (about 10.5 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 87420 in Shiprock, NM, a household would need roughly $28,000 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 $653. That sits below the local median household income ($38,079), 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 Shiprock CDP, NM as Relatively Moderate (composite score 88.3), which is elevated versus much of the country. The strongest component scores on US5 are flood (92.4) and wildfire (81.6). 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 Shiprock CDP, NM show little to no average snow.

IRS migration statistics show a net inflow of about 349 for ZIP 87420 (Shiprock 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.