ZIP Code 88265 — Monument CDP, NM Demographics & Data

ZIP code 88265 covers Monument, NM in Lea County with a population of about 437.

At a glance, the area shows median age of 26.4 versus a U.S. median of about 38.9.

It sits in telephone area code 575; U.S. House district NM-2; the ALBUQUERQUE - SANTA FE media market.

On socioeconomic markers, US5 shows a poverty rate of 10.5%; unemployment rate near 0.0%.

Labor and commute patterns include leading industry context around Transportation and Mining; a mean commute of about 89.0 minutes (U.S. average near 26.8).

Median home value is about $265,900 — about 24% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 48.4% (about 17.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 88265 in Monument, NM, a household would need roughly $73,000 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 $1,708. 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 Monument 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 (98.0) and flood (88.3). 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 Monument CDP, NM show little to no average snow and around 14.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 14 for ZIP 88265 (Monument 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.