ZIP Code 87514 — Arroyo Seco CDP, NM Demographics & Data

ZIP code 87514 covers Arroyo Seco, NM in Taos County with a population of about 1,485.

At a glance, the area shows median age of 57.5 versus a U.S. median of about 38.9.

It sits in telephone area code 575; U.S. House district NM-3; the ALBUQUERQUE - SANTA FE media market.

Arroyo Seco, NM fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 87514 is about $70,934 — about 6% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.3%; unemployment rate near 5.8%; 40.4% of adults with a bachelor’s degree or higher (about 6.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Education, and Other services; about 13.7% of workers reporting work-from-home (about 1.5 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 $521,300 — about 50% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 88.2% (about 22.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 87514 in Arroyo Seco, NM, a household would need roughly $144,000 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 $3,349. That is about 103% above the local median household income ($70,934), so the median earner would likely stretch or need a larger down payment. 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 Arroyo Seco CDP, NM as Relatively Low (composite score 74.3), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (96.2) and flood (81.7). 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 Arroyo Seco CDP, NM show little to no average snow and around 12.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 47 for ZIP 87514 (Arroyo Seco 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.