ZIP Code 87936 — Garfield CDP, NM Demographics & Data

ZIP code 87936 covers Garfield, NM in Doña Ana County with a population of about 249.

At a glance, the area shows median age of 62.8 versus a U.S. median of about 38.9.

It sits in telephone area code 575; U.S. House district NM-2; the EL PASO (LAS CRUCES) media market.

Garfield, NM fits a retirement-oriented profile (high share of residents 65+ (39.8%)). 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 87936 is about $21,393 — about 72% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 51.4%; unemployment rate near 0.0%.

Labor and commute patterns include leading industry context around Agriculture and Education; about 13.3% of workers reporting work-from-home (about 1.9 points below the U.S. share (15.2%)); a mean commute of about 98.0 minutes (U.S. average near 26.8).

Median home value is about $130,800 — about 62% 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 87936 in Garfield, NM, a household would need roughly $36,000 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 $840. That is about 68% above the local median household income ($21,393), 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 Garfield CDP, NM as Relatively High (composite score 96.1), which is among the highest nationally. The strongest component scores on US5 are flood (98.4) and wildfire (86.6). 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 Garfield CDP, NM show little to no average snow and around 10.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 8 for ZIP 87936 (Garfield 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.