ZIP Code 85646 — Tubac CDP, AZ Demographics & Data

ZIP code 85646 covers Tubac, AZ in Santa Cruz County with a population of about 1,280.

At a glance, the area shows median age of 69.4 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.

Tubac, AZ fits a retirement-oriented profile (high share of residents 65+ (64.1%)). 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 85646 is about $85,321 — about 14% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.3%; unemployment rate near 5.7%; 53.2% of adults with a bachelor’s degree or higher (about 19.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Education, and Construction; about 17.5% of workers reporting work-from-home (about 2.3 points above 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 $473,400 — about 36% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 90.9% (about 25.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 85646 in Tubac, AZ, a household would need roughly $130,000 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 $3,041. That is about 52% above the local median household income ($85,321), 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 Tubac 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 Tubac CDP, AZ show little to no average snow and around 15.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 43 for ZIP 85646 (Tubac 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.