ZIP code 86544

ZIP 86544 is a small town in Apache County, Arizona, with 1,587 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #308 of 417 ranked by population — larger than 26% of them. The median age here is 38.1 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 86544 earn a median of $23,295 a year, 70.3% 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 36.4% 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 86544 is valued at $49,500, 83.7% below the national figure, while median gross rent runs $608 a month, 56.8% below the national figure, or roughly $7,296 across a full year. A household on the local median income would put about 31.3% 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 2.1×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 84.2% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

ZIP 86544 is the unusual combination of expensive to rent and cheap to buy: rent takes 31.3% of median income while homes cost only 2.1× it. Where that pattern shows up, the gap is normally down to down-payment and credit barriers rather than price.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. 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 86544 is tabulated inside Apache County, Arizona, one of 29 ZIP areas the Census publishes for that county and 417 across Arizona. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. 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 86544 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 86544 reports a median household income of $23,295, 26% below the $31,602 county median, and 64% below the $64,475 typical AZ ZIP. Owner-occupied homes are valued at a median of $49,500, close to the county figure and 83% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $608 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 86544 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 86544 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.