ZIP Code 88415 — Clayton town, NM Demographics & Data

ZIP code 88415 covers Clayton, NM in Union County with a population of about 3,143.

At a glance, the area shows median age of 39.8 (near the U.S. median).

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

Median household income in ZIP 88415 is about $45,665 — about 39% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 23.2%; unemployment rate near 8.1%; 17.6% of adults with a bachelor’s degree or higher (about 16.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Agriculture, and Food services; about 3.8% of workers reporting work-from-home (about 11.4 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 $129,600 — about 63% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $477 (about 59% below the U.S. median rent ($1,163)), and owner-occupancy near 70.3% (about 4.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 88415 in Clayton, 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 $833. That sits below the local median household income ($45,665), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Clayton town, NM as Very Low (composite score 12.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (88.8) and flood (7.1). 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 Clayton town, NM show little to no average snow and around 17.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 99 for ZIP 88415 (Clayton town, 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.