ZIP Code 86046 — Valle CDP, AZ Demographics & Data

ZIP code 86046 covers Valle, AZ in Coconino County with a population of about 6,669.

At a glance, the area shows median age of 43.6 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 86046 is about $74,583 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.1%; unemployment rate near 4.2%; 21.3% of adults with a bachelor’s degree or higher (about 12.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Retail trade, and Construction; about 7.2% of workers reporting work-from-home (about 8.0 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 $367,800 — about 6% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $850 (about 27% below the U.S. median rent ($1,163)), and owner-occupancy near 80.5% (about 15.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 86046 in Valle, AZ, a household would need roughly $101,000 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 $2,363. That is about 35% above the local median household income ($74,583), 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 Valle 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 Valle CDP, AZ show little to no average snow and around 21.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 224 for ZIP 86046 (Valle 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.