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Arizona ZIP Codes
Navajo County
Blue Gap, AZ
86520
86520 ZIP Code — Blue Gap, AZ
Navajo County, Arizona
ZIP code 86520 is located in
Blue Gap ,
Arizona ,
within Navajo County .
It covers approximately 284.61 square miles and serves a population of
2,201 residents.
This is a standard ZIP code in the Mountain (MT) timezone,
served by area code 928 .
About ZIP code 86520
The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $58,600. Owner-occupancy is high at 91%, well above the national average.
Median household income is $16,818. Poverty affects 53% of residents, above the national average. SNAP benefit usage at 52% of households reflects economic stress in the area. 32% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is service, with education and healthcare as the leading industry. An above-average commute of 36 minutes suggests many residents work outside the immediate area.
College attainment at 5% is below the national average, consistent with a trades and production-oriented local economy.
Health indicators show elevated rates of diabetes (20%), smoking (35%), poor mental health (24%) compared to national benchmarks.
Notable community characteristics include Spanish spoken in 35% of households.
Overall, ZIP code 86520 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.
86520 ZIP code map
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Cities in ZIP code 86520
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Demographics
updated 06/2026
Population
Total population
2,201
Population density
8 / sq mi
State FIPS
04
County FIPS
017
Geography
Land area
284.61 sq mi
Water area
0.03 sq mi
Latitude
36.0674
Longitude
-109.9897
Timezone
Mountain (MT)
Area code
928
Economics
updated 06/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
78.5%
57.0%
40.6%
$50k – $100k
17.7%
28.0%
31.9%
$100k – $200k
3.8%
13.5%
21.1%
Over $200k
0.0%
1.4%
6.4%
Demographics & statistics
$16,818
Median household income
Age distribution
Age summary
Group Count % Under 18 589 26.8% 18 and over 1,612 73.2% 65 and over 340 15.4% Median age 31.5 years
Race & ethnicity
American Indian / Alaska Native
98.5%
Group Count % American Indian / Alaska Native 2,167 98.5% Two or more races 34 1.5%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
78.5%
57.0%
40.6%
$50k – $100k
17.7%
28.0%
31.9%
$100k – $200k
3.8%
13.5%
21.1%
Over $200k
0.0%
1.4%
6.4%
Range % of households Under $10k 33.1% $10k–$15k 13.7% $15k–$25k 12.5% $25k–$35k 11.8% $35k–$50k 8.3% $50k–$75k 8.2% $75k–$100k 5.9% $100k–$150k 5.4% $150k–$200k 1.2% Median income $16,818
Housing
Housing overview
Metric Value Median home value $58,600 Median rent / month $675 Owner occupied 91.4% Renter occupied 8.6% Vacant 26.6% Single-family detached 89.3% Large apartment buildings 0.0% Mobile homes 10.3% Median rooms 3.8 Avg household size (owned) 2.87
Year built
Era % 2020 or later 0.0% 2010–2019 3.2% 2000–2009 17.2% 1990–1999 28.2% 1980–1989 24.7% 1970–1979 13.0% 1960–1969 7.3% 1950–1959 5.3% 1940–1949 0.3% 1939 or earlier 0.7%
Bedrooms
Size % of units No bedroom (studio) 27.1% 1 bedroom 12.5% 2 bedrooms 27.6% 3 bedrooms 18.3% 4 bedrooms 13.7% 5+ bedrooms 0.9%
Vehicles per household
Vehicles % of households No vehicle 34.5% 1 vehicle 32.8% 2 vehicles 21.8% 3 or more 10.9%
Heating fuel
Fuel type % Utility gas 0.7% Electricity 9.9% Propane / LP gas 1.2% Fuel oil 0.8% Wood 81.4% No fuel used 1.5%
Households & families
Household type Count % Married-couple family 193 25.9% Cohabiting couple 24 3.2% Male householder, no spouse 229 30.7% Female householder, no spouse 300 40.2% Households with children under 18 260 34.9% Households with seniors (65+) 265 35.5% Average household size 2.95
Marital status
Status Male Female Never married 60.9% 47.5% Married 28.0% 28.2% Separated 4.3% 2.6% Widowed 3.9% 14.1% Divorced 3.0% 7.6%
Education
Less than 9th grade
13.5%
Some HS, no diploma
19.4%
Some college, no degree
21.5%
Graduate / professional
2.5%
Metric % HS diploma or higher 67.2% Bachelor's or higher 4.6%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 35 6.3% Kindergarten 24 4.3% Elementary school 313 56.7% High school 117 21.2% College / grad school 63 11.4%
Employment
Industry of employment
Education & healthcare
38.0%
Public administration
15.0%
Arts, food & hospitality
11.1%
Transportation & utilities
7.5%
Professional & management
1.8%
Finance & real estate
1.6%
Agriculture & mining
1.0%
Occupation
Category % Management, business & arts 19.6% Service 26.9% Sales & office 14.0% Natural resources & construction 17.3% Production & transportation 22.2%
Employment type
Type % Private sector 50.9% Government 41.3% Self-employed 7.8% Unpaid family workers 0.0%
Commute
Method % Drive alone 72.6% Carpool 4.7% Public transit 0.0% Walk 1.8% Work from home 11.6% Other means 9.2% Avg commute (minutes) 35.5
Poverty
Married-couple families
38.3%
Female-led households
52.6%
Income support
Source % of households Social Security 31.8% Retirement income 16.8% Supplemental Security 23.3% Cash public assistance 4.7% Food stamps / SNAP 51.9%
Health indicators
Condition % Obesity 39.2% High blood pressure 37.7% High cholesterol 29.2% Diabetes 20.0% Heart disease 10.1% Stroke 7.2% Asthma 16.0% Arthritis 27.1% Kidney disease 5.4% Pulmonary disease 14.0% Cancer 5.5%
Behavior / access % Smoking 34.7% Binge drinking 13.7% No physical activity 33.4% Less than 7 hrs sleep 41.6% Depression 24.6% Fair or poor health 33.7% Poor mental health 24.1% Poor physical health 22.0% No health insurance 20.4% Visited doctor (checkup) 69.5% Visited dentist 39.1% Cholesterol screening 82.7% Teeth loss 36.6%
Veterans & disability
Veterans Count % Civilian veterans 45 2.8%
Disability % Any disability 19.6% Under 18 1.7% 18–64 years 18.9% 65 and over 53.2%
Health insurance coverage
Type % Private insurance 12.8% Public insurance 75.5% No insurance 15.0% Uninsured under 19 10.6%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 2,067 93.9% Spanish 726 35.1% Other Indo-European 0 0.0% Asian & Pacific Islander 0 0.0% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 2,201 100.0% Born in same state 2,201 100.0% Born in different state 2,087 94.8% Foreign born 0 0.0% Naturalized citizen 0 0.0% Not a US citizen 0 0.0%
Ancestry
Technology access
Metric % of households Computer access 33.9% Internet access 53.1%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 86520
What city is ZIP code 86520 in?
ZIP code 86520 is primarily assigned to Blue Gap, Arizona.
What county is ZIP code 86520 in?
ZIP code 86520 falls within Navajo County, Arizona.
What is the poverty rate in ZIP code 86520?
53% of residents in ZIP code 86520 live below the poverty line, above the national average.
Is Spanish widely spoken in ZIP code 86520?
Approximately 35% of households in ZIP code 86520 speak Spanish as a primary language.
How educated is the population of ZIP code 86520?
5% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.
Is ZIP code 86520 mostly owner-occupied?
91% of occupied units in ZIP code 86520 are owner-occupied, well above the national average.
What timezone is ZIP code 86520 in?
ZIP code 86520 observes the MST timezone.
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