ZIP code 86324

ZIP 86324 is a small town in Yavapai County, Arizona, with 4,646 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #241 of 417 ranked by population — larger than 42% of them. The median age here is 61 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 86324 earn a median of $32,637 a year, 58.4% below the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 20.2% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 86324 is valued at $345,000, 13.7% above the national figure, while median gross rent runs $897 a month, 36.2% below the national figure, or roughly $10,764 across a full year. A household on the local median income would put about 33% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is a stretch on median earnings. The home-price-to-income ratio works out to 10.6×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 77.5% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

Home values sit at 10.6× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere. A median age of 61 puts ZIP 86324 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 86324 is tabulated inside Yavapai County, Arizona, one of 28 ZIP areas the Census publishes for that county and 417 across Arizona. Population sits in the small-town band, typically one main street plus the addresses that feed into it. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 86324 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 86324 reports a median household income of $32,637, 46% below the $60,917 county median, and 49% below the $64,475 typical AZ ZIP. Owner-occupied homes are valued at a median of $345,000, 9% above the county figure and 20% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $897 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Arizona charges 5.6% statewide, and local governments overlapping 86324 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 86324 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.