ZIP Code 87521 — Ojo Sarco CDP, NM Demographics & Data

ZIP code 87521 covers Ojo Sarco, NM in Rio Arriba County with a population of about 846.

At a glance, the area shows median age of 62.9 versus a U.S. median of about 38.9.

It sits in telephone area codes 505, 575; U.S. House district NM-3; the ALBUQUERQUE - SANTA FE media market.

Ojo Sarco, NM fits a retirement-oriented profile (high share of residents 65+ (48.9%)). 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 87521 is about $38,983 — about 48% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.2%; unemployment rate near 11.3%; 15.6% of adults with a bachelor’s degree or higher (about 18.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Food services, and Public administration; about 25.5% of workers reporting work-from-home (about 10.3 points above the U.S. share (15.2%)); a mean commute of about 158.0 minutes (U.S. average near 26.8).

Median home value is about $188,500 — about 46% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $831 (about 29% below the U.S. median rent ($1,163)), and owner-occupancy near 87.6% (about 22.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 87521 in Ojo Sarco, NM, a household would need roughly $52,000 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 $1,211. That is about 33% above the local median household income ($38,983), 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 Ojo Sarco CDP, 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 Ojo Sarco CDP, NM show little to no average snow and around 24.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 27 for ZIP 87521 (Ojo Sarco CDP, 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.