ZIP Code 88101 — Clovis city, NM Demographics & Data

ZIP code 88101 covers Clovis, NM in Curry County with a population of about 45,157.

At a glance, the area shows median age of 31.3 versus a U.S. median of about 38.9.

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

Median household income in ZIP 88101 is about $55,349 — about 26% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.2%; unemployment rate near 8.2%; 21.3% of adults with a bachelor’s degree or higher (about 12.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 3.0% of workers reporting work-from-home (about 12.2 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 $162,400 — about 53% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $826 (about 29% below the U.S. median rent ($1,163)), and owner-occupancy near 60.3% (about 5.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 88101 in Clovis, NM, a household would need roughly $45,000 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 $1,043. That sits below the local median household income ($55,349), 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 Clovis city, NM as Relatively Low (composite score 61.8), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (95.7) and flood (52.5). 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 Clovis city, NM show little to no average snow and around 20.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,426 for ZIP 88101 (Clovis city, 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.