ZIP Code 85131 — Eloy city, AZ Demographics & Data

ZIP code 85131 covers Eloy, AZ in Pinal County with a population of about 18,156.

At a glance, the area shows median age of 40.7 versus a U.S. median of about 38.9.

It sits in telephone area code 520; U.S. House district AZ-7; the PHOENIX (PRESCOTT) media market.

Median household income in ZIP 85131 is about $55,137 — about 27% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 20.4%; unemployment rate near 5.8%; 12.7% of adults with a bachelor’s degree or higher (about 21.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 7.5% of workers reporting work-from-home (about 7.7 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 $243,700 — about 30% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $681 (about 41% below the U.S. median rent ($1,163)), and owner-occupancy near 68.9% (about 3.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 85131 in Eloy, AZ, a household would need roughly $67,000 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 $1,565. That is about 22% above the local median household income ($55,137), so the median earner would likely stretch or need a larger down payment. 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 Eloy city, AZ as Relatively Moderate (composite score 93.8), which is among the highest nationally. The strongest component scores on US5 are wildfire (98.0) and flood (96.4). 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 Eloy city, AZ show little to no average snow and around 8.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 609 for ZIP 85131 (Eloy city, AZ) 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.