ZIP Code 85611 — Elgin CDP, AZ Demographics & Data

ZIP code 85611 covers Elgin, AZ in Santa Cruz County with a population of about 1,413.

At a glance, the area shows median age of 53.4 versus a U.S. median of about 38.9.

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

Median household income in ZIP 85611 is about $64,545 — about 14% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.2%; unemployment rate near 0.6%; 37.8% of adults with a bachelor’s degree or higher (about 4.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Professional services, and Food services; about 14.7% of workers reporting work-from-home (roughly in line with 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 $327,300 — about 6% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 95.2% (about 29.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 85611 in Elgin, AZ, a household would need roughly $90,000 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 $2,102. That is about 39% above the local median household income ($64,545), 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 Elgin CDP, AZ as Relatively Moderate (composite score 88.3), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (98.1) and flood (87.4). 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 Elgin CDP, AZ show little to no average snow and around 15.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 47 for ZIP 85611 (Elgin 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.