ZIP Code 87109 — Albuquerque city, NM Demographics & Data

ZIP code 87109 covers Albuquerque, NM in Bernalillo County with a population of about 39,323.

At a glance, the area shows median age of 42.7 versus a U.S. median of about 38.9.

It sits in telephone area code 505; U.S. House district NM-1; the ALBUQUERQUE - SANTA FE media market.

Median household income in ZIP 87109 is about $56,295 — about 25% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.1%; unemployment rate near 6.9%; 42.2% of adults with a bachelor’s degree or higher (about 8.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Professional services; about 13.0% of workers reporting work-from-home (about 2.2 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 $298,300 — about 14% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $994 (about 15% below the U.S. median rent ($1,163)), and owner-occupancy near 51.6% (about 13.8 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 87109 in Albuquerque, NM, a household would need roughly $82,000 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 $1,916. That is about 46% above the local median household income ($56,295), 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 Albuquerque city, NM as Relatively High (composite score 94.4), which is among the highest nationally. The strongest component scores on US5 are flood (96.3) and wildfire (95.0). 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 Albuquerque city, NM show little to no average snow and around 14.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,242 for ZIP 87109 (Albuquerque city, NM) 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.