ZIP Code 87530 — El Rito CDP, NM Demographics & Data

ZIP code 87530 covers El Rito, NM in Rio Arriba County with a population of about 961.

At a glance, the area shows median age of 39.9 (near the U.S. median).

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

El Rito, NM fits a retirement-oriented profile (high share of residents 65+ (46.6%)). 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 87530 is about $24,611 — about 67% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 58.5%; unemployment rate near 0.0%; 5.4% of adults with a bachelor’s degree or higher (about 28.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Healthcare, and Retail trade; about 12.4% of workers reporting work-from-home (about 2.8 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 $273,700 — about 21% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 87530 in El Rito, NM, a household would need roughly $75,000 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 $1,758. That is about 205% above the local median household income ($24,611), 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 El Rito 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 El Rito CDP, NM show little to no average snow and around 11.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 30 for ZIP 87530 (El Rito 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.