ZIP Code 86320 — Kaibab Estates West CDP, AZ Demographics & Data

ZIP code 86320 covers Kaibab Estates West, AZ in Coconino County with a population of about 2,482.

At a glance, the area shows median age of 59.1 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.

Kaibab Estates West, AZ fits a retirement-oriented profile (older median age or known retirement-community context). 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 86320 is about $43,553 — about 42% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.9%; unemployment rate near 18.9%; 12.7% of adults with a bachelor’s degree or higher (about 21.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Food services; about 15.1% of workers reporting work-from-home (roughly in line with 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 $186,600 — about 46% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $729 (about 37% below the U.S. median rent ($1,163)), and owner-occupancy near 88.3% (about 22.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 86320 in Kaibab Estates West, AZ, a household would need roughly $51,000 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 $1,199. That is about 17% above the local median household income ($43,553), 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 Kaibab Estates West 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 Kaibab Estates West CDP, AZ show little to no average snow and around 12.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 83 for ZIP 86320 (Kaibab Estates West 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.