ZIP Code 85531 — Central CDP, AZ Demographics & Data

ZIP code 85531 covers Central, AZ in Graham County with a population of about 273.

At a glance, the area shows median age of 46.1 versus a U.S. median of about 38.9.

It sits in telephone area code 928; U.S. House district AZ-6; the PHOENIX (PRESCOTT) media market.

Median household income in ZIP 85531 is about $94,478 — about 26% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%; 77.9% of adults with a bachelor’s degree or higher (about 44.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Education; a mean commute of about 179.0 minutes (U.S. average near 26.8).

Median home value is about $422,900 — about 21% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 55.3% (about 10.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 85531 in Central, AZ, a household would need roughly $116,000 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 $2,717. That is about 23% above the local median household income ($94,478), 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 Central CDP, AZ as Relatively Low (composite score 64.6), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (94.3) and flood (67.9). 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 Central CDP, AZ show little to no average snow and around 8.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 9 for ZIP 85531 (Central 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.