ZIP Code 87522 — Chimayo CDP, NM Demographics & Data

ZIP code 87522 covers Chimayo, NM in Santa Fe County with a population of about 2,937.

At a glance, the area shows median age of 50.3 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 87522 is about $54,625 — about 27% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 23.6%; unemployment rate near 0.9%; 11.7% of adults with a bachelor’s degree or higher (about 22.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Other services, and Healthcare; about 14.0% of workers reporting work-from-home (about 1.2 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 $219,400 — about 37% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $607 (about 48% below the U.S. median rent ($1,163)), and owner-occupancy near 82.0% (about 16.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 87522 in Chimayo, NM, a household would need roughly $60,000 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 $1,409. That is roughly in line with the local median household income ($54,625). 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 Chimayo CDP, NM as Relatively Moderate (composite score 86.0), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (98.2) and flood (88.4). 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 Chimayo CDP, NM show little to no average snow.

IRS migration statistics show a net inflow of about 93 for ZIP 87522 (Chimayo 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.