ZIP Code 86413 — Golden Valley CDP, AZ Demographics & Data

ZIP code 86413 covers Golden Valley, AZ in Mohave County with a population of about 12,075.

At a glance, the area shows median age of 58.1 versus a U.S. median of about 38.9.

It sits in telephone area code 928; U.S. House district AZ-9; the PHOENIX (PRESCOTT) media market.

Golden Valley, AZ fits a retirement-oriented profile (high share of residents 65+ (36.0%)). 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 86413 is about $42,752 — about 43% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.0%; unemployment rate near 2.4%; 5.1% of adults with a bachelor’s degree or higher (about 28.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Food services, and Retail trade; about 10.2% of workers reporting work-from-home (about 5.0 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 $157,700 — about 55% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $826 (about 29% below the U.S. median rent ($1,163)), and owner-occupancy near 88.7% (about 23.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 86413 in Golden Valley, AZ, a household would need roughly $43,000 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 $1,013. That is roughly in line with the local median household income ($42,752). 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 Golden Valley CDP, AZ as Relatively High (composite score 94.8), which is among the highest nationally. The strongest component scores on US5 are wildfire (98.8) and flood (97.1). 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 Golden Valley CDP, AZ show little to no average snow and around 5.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 405 for ZIP 86413 (Golden Valley 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.