ZIP Code 86335 — Lake Montezuma CDP, AZ Demographics & Data

ZIP code 86335 covers Lake Montezuma, AZ in Yavapai County with a population of about 4,744.

At a glance, the area shows median age of 63.2 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.

Lake Montezuma, AZ fits a retirement-oriented profile (high share of residents 65+ (45.8%)). 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 86335 is about $54,540 — about 27% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.3%; unemployment rate near 2.3%; 19.3% of adults with a bachelor’s degree or higher (about 14.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Construction, and Healthcare; about 5.7% of workers reporting work-from-home (about 9.5 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 $291,900 — about 16% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,087 (about 7% below the U.S. median rent ($1,163)), and owner-occupancy near 68.2% (about 2.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 86335 in Lake Montezuma, AZ, a household would need roughly $80,000 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 $1,875. That is about 47% above the local median household income ($54,540), 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 Lake Montezuma 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 Lake Montezuma CDP, AZ show little to no average snow and around 13.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 159 for ZIP 86335 (Lake Montezuma 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.