ZIP Code 88435 — Puerto de Luna CDP, NM Demographics & Data

ZIP code 88435 covers Puerto de Luna, NM in Guadalupe County with a population of about 3,413.

At a glance, the area shows median age of 43.2 versus a U.S. median of about 38.9.

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

Median household income in ZIP 88435 is about $41,645 — about 45% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.6%; unemployment rate near 6.1%; 17.6% of adults with a bachelor’s degree or higher (about 16.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Public administration; about 4.7% of workers reporting work-from-home (about 10.5 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 $113,600 — about 67% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $506 (about 56% below the U.S. median rent ($1,163)), and owner-occupancy near 80.2% (about 14.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 88435 in Puerto de Luna, NM, a household would need roughly $31,000 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 $730. That sits below the local median household income ($41,645), 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 Puerto de Luna CDP, NM as Very Low (composite score 8.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (81.5) and flood (29.9). 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 Puerto de Luna CDP, NM show little to no average snow and around 15.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 108 for ZIP 88435 (Puerto de Luna 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.