ZIP Code 88081 — Chaparral CDP, NM Demographics & Data

ZIP code 88081 covers Chaparral, NM in Otero County with a population of about 18,334.

At a glance, the area shows median age of 31.8 versus a U.S. median of about 38.9.

It sits in telephone area code 575; U.S. House district NM-2; the EL PASO (LAS CRUCES) media market.

Median household income in ZIP 88081 is about $46,102 — about 39% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 28.8%; unemployment rate near 8.0%; 9.1% of adults with a bachelor’s degree or higher (about 24.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Healthcare, and Education; about 5.3% of workers reporting work-from-home (about 9.9 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 $101,900 — about 71% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $593 (about 49% below the U.S. median rent ($1,163)), and owner-occupancy near 66.3% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 88081 in Chaparral, 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 $655. That sits below the local median household income ($46,102), 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 Chaparral CDP, NM as Relatively Moderate (composite score 84.7), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (98.2) and flood (88.6). 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 Chaparral CDP, NM show little to no average snow and around 12.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 579 for ZIP 88081 (Chaparral 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.