ZIP Code 85926 — Fort Apache CDP, AZ Demographics & Data

ZIP code 85926 covers Fort Apache, AZ in Navajo County with a population of about 824.

At a glance, the area shows median age of 27.5 versus a U.S. median of about 38.9.

It sits in telephone area code 928; U.S. House district AZ-2; the PHOENIX (PRESCOTT) media market.

Fort Apache, AZ is tagged as a Tribal Nation community context (place names indicate a tribal nation community). Local search often includes tribal government offices, public safety, and Indian Health Service (IHS) / wellness topics alongside standard ZIP demographics.

On socioeconomic markers, US5 shows a poverty rate of 75.0%; unemployment rate near 9.4%; 1.5% of adults with a bachelor’s degree or higher (about 32.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Public administration, and Education; about 13.0% of workers reporting work-from-home (about 2.2 points below the U.S. share (15.2%)); a mean commute of about 67.0 minutes (U.S. average near 26.8).

Median home value is about $62,400 — about 82% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $315 (about 73% below the U.S. median rent ($1,163)), and owner-occupancy near 37.2% (about 28.2 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 85926 in Fort Apache, AZ, a household would need roughly $17,000 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 $401. 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 Fort Apache CDP, AZ as Relatively Moderate (composite score 88.1), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (98.8) and flood (89.5). 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 Fort Apache CDP, AZ show little to no average snow and around 18.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 28 for ZIP 85926 (Fort Apache 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.