ZIP Code 87520 — Chama village, NM Demographics & Data

ZIP code 87520 covers Chama, NM in Rio Arriba County with a population of about 1,088.

At a glance, the area shows median age of 65.1 versus a U.S. median of about 38.9.

It sits in telephone area code 575; U.S. House district NM-3; the ALBUQUERQUE - SANTA FE media market.

Chama, NM fits a retirement-oriented profile (high share of residents 65+ (51.3%)). 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 87520 is about $59,583 — about 21% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.7%; unemployment rate near 4.7%; 28.8% of adults with a bachelor’s degree or higher (about 4.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Agriculture; about 6.3% of workers reporting work-from-home (about 8.9 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 $207,200 — about 40% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $474 (about 59% below the U.S. median rent ($1,163)), and owner-occupancy near 80.4% (about 15.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 87520 in Chama, NM, a household would need roughly $57,000 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 $1,331. That is roughly in line with the local median household income ($59,583). 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 Chama village, NM as Relatively Low (composite score 80.5), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (96.2) and flood (88.4). 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 Chama village, NM show little to no average snow and around 22.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 34 for ZIP 87520 (Chama village, 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.