ZIP Code 87582 — Velarde CDP, NM Demographics & Data

ZIP code 87582 covers Velarde, NM in Rio Arriba County with a population of about 1,003.

At a glance, the area shows median age of 33.9 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.

Velarde, NM ranks among higher-income / higher-home-value communities on US5 (very high median household income (~$154,618)). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 87582 is about $154,618 — about 106% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.6%; unemployment rate near 0.0%; 50.7% of adults with a bachelor’s degree or higher (about 17.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Administrative support, Professional services, and Public administration; about 12.7% of workers reporting work-from-home (about 2.5 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 $328,200 — about 6% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 61.3% (about 4.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 87582 in Velarde, NM, a household would need roughly $90,000 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 $2,108. That sits below the local median household income ($154,618), 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 Velarde 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 Velarde 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 32 for ZIP 87582 (Velarde 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.