What to know about ZIP 86312
ZIP code 86312 covers ZIP 86312 with a population of about 4,353.
At a glance, the area shows median age of 61.9 versus a U.S. median of about 38.9.
It sits in the PHOENIX (PRESCOTT) media market.
Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.
ZIP code 86312 covers ZIP 86312 with a population of about 4,353.
At a glance, the area shows median age of 61.9 versus a U.S. median of about 38.9.
It sits in the PHOENIX (PRESCOTT) media market.
ZIP 86312 fits a retirement-oriented profile (high share of residents 65+ (43.7%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.
Median household income in ZIP 86312 is about $77,137 — about 3% above the U.S. median ($75,149).
On socioeconomic markers, US5 shows a poverty rate of 7.3%; unemployment rate near 6.7%; 20.0% of adults with a bachelor’s degree or higher (about 13.7 points below the national share (33.7%)).
Labor and commute patterns include leading industry context around Construction, Healthcare, and Education; about 4.6% of workers reporting work-from-home (about 10.6 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 $380,900 — about 9% above the U.S. median home value ($348,079).
Housing tenure and rents show median gross rent around $1,569 (about 35% above the U.S. median rent ($1,163)), and owner-occupancy near 87.2% (about 21.8 points above the national owner-occupancy rate (65.4%)).
To comfortably buy a median-priced home in ZIP 86312, a household would need roughly $105,000 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 $2,447. That is about 36% above the local median household income ($77,137), 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.