ZIP Code 85320 — Aguila CDP, AZ Demographics & Data

ZIP code 85320 covers Aguila, AZ in Maricopa County with a population of about 315.

At a glance, the area shows median age of 45.6 versus a U.S. median of about 38.9.

It sits in telephone area code 928; U.S. House district AZ-9; the PHOENIX (PRESCOTT) media market.

Aguila, AZ fits a retirement-oriented profile (high share of residents 65+ (36.5%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 85320 is about $40,208 — about 46% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 22.8%; unemployment rate near 27.8%; 27.7% of adults with a bachelor’s degree or higher (about 6.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Wholesale trade, Retail trade, and Agriculture; a mean commute of about 41.0 minutes (U.S. average near 26.8).

Median home value is about $397,500 — about 14% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 94.3% (about 28.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 85320 in Aguila, AZ, a household would need roughly $109,000 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 $2,553. That is about 171% above the local median household income ($40,208), 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 Aguila CDP, AZ as Very High (composite score 99.9), which is among the highest nationally. The strongest component scores on US5 are flood (99.9) and wildfire (99.6). 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 Aguila CDP, AZ show little to no average snow and around 7.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 11 for ZIP 85320 (Aguila CDP, 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.