ZIP Code 86045 — Tuba City CDP, AZ Demographics & Data

ZIP code 86045 covers Tuba City, AZ in Coconino County with a population of about 10,691.

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 928; U.S. House district AZ-2; the PHOENIX (PRESCOTT) media market.

Median household income in ZIP 86045 is about $49,559 — about 34% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 29.4%; unemployment rate near 14.7%; 16.4% of adults with a bachelor’s degree or higher (about 17.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Construction; about 8.1% of workers reporting work-from-home (about 7.1 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 $67,700 — about 81% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $570 (about 51% below the U.S. median rent ($1,163)), and owner-occupancy near 62.1% (about 3.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 86045 in Tuba City, AZ, a household would need roughly $19,000 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 $435. That sits below the local median household income ($49,559), 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 Tuba City CDP, 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 Tuba City CDP, AZ show little to no average snow and around 6.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 359 for ZIP 86045 (Tuba City 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.