ZIP code 87316

ZIP 87316 is a small town in McKinley County, New Mexico, with 1,721 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #136 of 372 ranked by population — larger than 63% of them. The median age here is 33.9 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 87316 earn a median of $96,324 a year, 22.6% above the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 22% 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 87316 is valued at $77,200, 74.6% below the national figure, while median gross rent runs $1,072 a month, 23.8% below the national figure, or roughly $12,864 across a full year. A household on the local median income would put about 13.4% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 0.8×, 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. 58.8% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Median income runs above the national figure while poverty also runs above it — a split distribution, not a uniformly comfortable place. Averages hide that; the two numbers together do not.

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 87316 is tabulated inside McKinley County, New Mexico, one of 20 ZIP areas the Census publishes for that county and 372 across New Mexico. 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 87316 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 87316 reports a median household income of $96,324, 123% above the $43,152 county median, and 80% above the $53,479 typical NM ZIP. Owner-occupied homes are valued at a median of $77,200, 35% above the county figure and 57% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,072 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

New Mexico charges 4.875% statewide, and local governments overlapping 87316 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 87316 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.