ZIP Code 86321 — Bagdad CDP, AZ Demographics & Data

ZIP code 86321 covers Bagdad, AZ in Yavapai County with a population of about 3,087.

At a glance, the area shows median age of 25.0 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 86321 is about $85,446 — about 14% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.4%; unemployment rate near 2.6%; 9.0% of adults with a bachelor’s degree or higher (about 24.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Mining, Education, and Retail trade; a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $50,300 — about 86% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $381 (about 67% below the U.S. median rent ($1,163)), and owner-occupancy near 13.5% (about 51.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 86321 in Bagdad, AZ, a household would need roughly $14,000 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 $323. That sits below the local median household income ($85,446), 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 Bagdad CDP, AZ as Relatively Moderate (composite score 93.7), which is among the highest nationally. The strongest component scores on US5 are wildfire (99.6) and flood (96.1). 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 Bagdad CDP, AZ show little to no average snow and around 15.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 104 for ZIP 86321 (Bagdad 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.