ZIP Code 86510 — Pinon CDP, AZ Demographics & Data

ZIP code 86510 covers Pinon, AZ in Navajo County with a population of about 3,843.

At a glance, the area shows median age of 37.5 (near the U.S. median).

It sits in telephone area code 928; U.S. House district AZ-2; the PHOENIX (PRESCOTT) media market.

Pinon, AZ is tagged as a Tribal Nation community context (place names indicate a tribal nation community). Local search often includes tribal government offices, public safety, and Indian Health Service (IHS) / wellness topics alongside standard ZIP demographics.

Median household income in ZIP 86510 is about $27,051 — about 64% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 46.1%; unemployment rate near 20.7%; 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 Education, Healthcare, and Construction; about 7.1% of workers reporting work-from-home (about 8.1 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 $103,800 — about 70% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $402 (about 65% below the U.S. median rent ($1,163)), and owner-occupancy near 78.8% (about 13.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 86510 in Pinon, AZ, a household would need roughly $29,000 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 $667. That is roughly in line with the local median household income ($27,051). 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 Pinon CDP, AZ as Relatively Moderate (composite score 88.1), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (98.8) and flood (89.5). 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 Pinon CDP, AZ show little to no average snow.

IRS migration statistics show a net inflow of about 129 for ZIP 86510 (Pinon 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.