ZIP Code 85737 — Oro Valley town, AZ Demographics & Data

ZIP code 85737 covers Oro Valley, AZ in Pima County with a population of about 22,951.

At a glance, the area shows median age of 52.4 versus a U.S. median of about 38.9.

It sits in telephone area code 520; U.S. House district AZ-6; the TUCSON (SIERRA VISTA) media market.

Median household income in ZIP 85737 is about $106,812 — about 42% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.1%; unemployment rate near 2.5%; 54.1% of adults with a bachelor’s degree or higher (about 20.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Education; about 17.0% of workers reporting work-from-home (about 1.8 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 $433,600 — about 25% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,530 (about 32% above the U.S. median rent ($1,163)), and owner-occupancy near 76.7% (about 11.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 85737 in Oro Valley, AZ, a household would need roughly $119,000 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 $2,785. That is roughly in line with the local median household income ($106,812). 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 Oro Valley town, AZ as Relatively High (composite score 99.1), which is among the highest nationally. The strongest component scores on US5 are wildfire (99.7) and flood (99.5). 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 Oro Valley town, AZ show little to no average snow and around 13.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 770 for ZIP 85737 (Oro Valley town, 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.