ZIP Code 88028 — Cliff CDP, NM Demographics & Data

ZIP code 88028 covers Cliff, NM in Grant County with a population of about 247.

At a glance, the area shows median age of 64.4 versus a U.S. median of about 38.9.

It sits in telephone area code 575; U.S. House district NM-2; the ALBUQUERQUE - SANTA FE media market.

Cliff, NM fits a retirement-oriented profile (high share of residents 65+ (48.6%)). 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 88028 is about $34,167 — about 55% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.0%; unemployment rate near 0.0%; 21.1% of adults with a bachelor’s degree or higher (about 12.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Agriculture, and Healthcare; about 37.1% of workers reporting work-from-home (about 21.9 points above the U.S. share (15.2%)); a mean commute of about 22.0 minutes (U.S. average near 26.8).

Median home value is about $198,400 — about 43% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 89.5% (about 24.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 88028 in Cliff, NM, a household would need roughly $55,000 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 $1,274. That is about 61% above the local median household income ($34,167), 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 Cliff CDP, NM as Relatively Low (composite score 74.1), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (96.9) and flood (83.7). 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 Cliff CDP, NM show little to no average snow and around 14.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 8 for ZIP 88028 (Cliff 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.