ZIP Code 87537 — Chili CDP, NM Demographics & Data

ZIP code 87537 covers Chili, NM in Rio Arriba County with a population of about 2,030.

At a glance, the area shows median age of 38.5 (near the U.S. median).

It sits in telephone area code 505; U.S. House district NM-3; the ALBUQUERQUE - SANTA FE media market.

Median household income in ZIP 87537 is about $40,795 — about 46% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 24.9%; unemployment rate near 5.8%; 6.5% of adults with a bachelor’s degree or higher (about 27.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Education, and Other services; about 18.5% of workers reporting work-from-home (about 3.3 points above 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 $228,800 — about 34% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $337 (about 71% below the U.S. median rent ($1,163)), and owner-occupancy near 70.3% (about 4.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 87537 in Chili, NM, a household would need roughly $63,000 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 $1,470. That is about 54% above the local median household income ($40,795), 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 Chili CDP, NM as Relatively Low (composite score 80.5), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (96.2) 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 Chili CDP, NM show little to no average snow and around 11.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 64 for ZIP 87537 (Chili 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.