ZIP Code 86031 — Whitecone CDP, AZ Demographics & Data

ZIP code 86031 covers Whitecone, AZ in Navajo County with a population of about 1,938.

At a glance, the area shows median age of 37.1 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.

Whitecone, 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.

Median household income in ZIP 86031 is about $30,699 — about 59% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 52.0%; unemployment rate near 14.6%; 3.3% of adults with a bachelor’s degree or higher (about 30.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Construction, and Healthcare; about 11.2% of workers reporting work-from-home (about 4.0 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 $71,800 — about 79% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $394 (about 66% below the U.S. median rent ($1,163)), and owner-occupancy near 69.0% (about 3.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 86031 in Whitecone, AZ, a household would need roughly $20,000 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 $461. That sits below the local median household income ($30,699), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Whitecone 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 Whitecone CDP, AZ show little to no average snow and around 9.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 65 for ZIP 86031 (Whitecone 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.