ZIP code 86510

ZIP 86510 is a small town in Navajo County, Arizona, with 3,843 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #252 of 417 ranked by population — larger than 39% of them. The median age here is 37.5 years against 39.1 nationally, a slightly younger profile than the country as a whole. 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 86510 earn a median of $27,051 a year, 65.6% below the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 46.1% 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 86510 is valued at $103,800, 65.8% below the national figure, while median gross rent runs $660 a month, 53.1% below the national figure, or roughly $7,920 across a full year. A household on the local median income would put about 29.3% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 3.8×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 78.8% 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.

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 86510 is tabulated inside Navajo County, Arizona, one of 26 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 86510 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 86510 reports a median household income of $27,051, 50% below the $54,460 county median, and 58% below the $64,475 typical AZ ZIP. Owner-occupied homes are valued at a median of $103,800, 28% below the county figure and 64% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $660 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 86510 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 86510 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.