ZIP Code 85648 — Rio Rico CDP, AZ Demographics & Data

ZIP code 85648 covers Rio Rico, AZ in Santa Cruz County with a population of about 21,844.

At a glance, the area shows median age of 34.3 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 85648 is about $63,672 — about 15% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.2%; unemployment rate near 7.9%; 24.5% of adults with a bachelor’s degree or higher (about 9.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Transportation, and Healthcare; about 6.2% of workers reporting work-from-home (about 9.0 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 $213,100 — about 39% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $778 (about 33% below the U.S. median rent ($1,163)), and owner-occupancy near 82.5% (about 17.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 85648 in Rio Rico, AZ, a household would need roughly $59,000 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 $1,369. That is roughly in line with the local median household income ($63,672). 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 Rio Rico 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 Rio Rico CDP, AZ show little to no average snow and around 16.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 733 for ZIP 85648 (Rio Rico 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.