ZIP Code 88321 — Encino village, NM Demographics & Data

ZIP code 88321 covers Encino, NM in Torrance County with a population of about 430.

At a glance, the area shows median age of 20.0 versus a U.S. median of about 38.9.

It sits in telephone area codes 505, 575; U.S. House district NM-1; the ALBUQUERQUE - SANTA FE media market.

Median household income in ZIP 88321 is about $78,641 — about 5% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.2%; unemployment rate near 0.0%; 82.2% of adults with a bachelor’s degree or higher (about 48.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Public administration, and Retail trade; about 48.7% of workers reporting work-from-home (about 33.5 points above the U.S. share (15.2%)); a mean commute of about 102.0 minutes (U.S. average near 26.8).

Median home value is about $1,096,500 — about 215% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 86.9% (about 21.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 88321 in Encino, NM, a household would need roughly $302,000 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 $7,044. That is about 284% above the local median household income ($78,641), 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 Encino village, NM as Relatively Low (composite score 46.2), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (91.4) and flood (62.8). 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 Encino village, NM show little to no average snow and around 13.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 14 for ZIP 88321 (Encino village, 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.