ZIP Code 86004 — Flagstaff city, AZ Demographics & Data

ZIP code 86004 covers Flagstaff, AZ in Coconino County with a population of about 36,893.

At a glance, the area shows median age of 38.8 (near the U.S. median).

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

Median household income in ZIP 86004 is about $77,486 — about 3% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.8%; unemployment rate near 4.0%; 44.3% of adults with a bachelor’s degree or higher (about 10.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Education; about 12.2% of workers reporting work-from-home (about 3.0 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 $464,100 — about 33% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,461 (about 26% above the U.S. median rent ($1,163)), and owner-occupancy near 63.2% (about 2.2 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 86004 in Flagstaff, AZ, a household would need roughly $128,000 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 $2,981. That is about 65% above the local median household income ($77,486), 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 Flagstaff city, AZ as Relatively Moderate (composite score 94.2), which is among the highest nationally. The strongest component scores on US5 are wildfire (99.4) and flood (96.5). 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 Flagstaff city, AZ show little to no average snow and around 17.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,238 for ZIP 86004 (Flagstaff city, 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.