86042 ZIP Code — Polacca, AZ

Navajo County, Arizona

ZIP code 86042 is located in Polacca, Arizona, within Navajo County. It covers approximately 61.29 square miles and serves a population of 1,966 residents. This is a standard ZIP code in the Mountain (MT) — no DST timezone, served by area code 928.

About ZIP code 86042

The housing stock consists of a mix of housing types. Most homes were built in the 1990s, giving the area an established character. Median home value is $62,600. Owner-occupancy sits near the national average at 49%.

Median household income is $63,199. SNAP benefit usage at 39% of households reflects economic stress in the area.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 23 minutes is near the national average.

College attainment at 8% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of diabetes (18%), smoking (35%), poor mental health (23%) compared to national benchmarks. 16% of residents lack health insurance, above the national average.

Notable community characteristics include a notable veteran presence at 17% of civilians, above the national average of 7%.

Overall, ZIP code 86042 reflects a community defined by a trades-oriented workforce, a strong veteran community, and elevated reliance on food assistance.

1,966

population

61.29

sq mi land

Standard

ZIP type

Mountain (MT) — no DST

timezone

86042 ZIP code map

Cities in ZIP code 86042

Below are the cities the US Postal Service accepts for ZIP code 86042. Using any city not on this list may result in mail delivery delays.

City	Status
Polacca	Acceptable

Demographics updated 06/2026

Population
Total population	1,966
Population density	32 / sq mi
State FIPS	04
County FIPS	017

Geography
Land area	61.29 sq mi
Water area	0.02 sq mi
Latitude	35.9201
Longitude	-110.4699
Timezone	Mountain (MT) — no DST
Area code	928

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	38.8%	57.0%	40.6%
$50k – $100k	43.0%	28.0%	31.9%
$100k – $200k	15.9%	13.5%	21.1%
Over $200k	2.2%	1.4%	6.4%

Demographics & statistics

1,966

Population

People per sq mi

38.7

Median age

$63,199

Median household income

$21,623

Per capita income

$62,600

Median home value

$927

Median monthly rent

49.0%

Home ownership

16.9%

Poverty rate

5.1%

Unemployment

462

Housing units

7.8%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

170

35–44

170

153

45–54

153

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	599	30.5%
18 and over	1,367	69.5%
65 and over	255	13.0%
Median age	38.7 years

Race & ethnicity

American Indian / Alaska Native 92.7%

Hispanic or Latino 2.5%

White 2%

Two or more races 1.8%

Other race 0.6%

Black or African American 0.3%

Group	Count	%
American Indian / Alaska Native	1,869	92.7%
Hispanic or Latino	50	2.5%
White	41	2%
Two or more races	37	1.8%
Other race	13	0.6%
Black or African American	6	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	38.8%	57.0%	40.6%
$50k – $100k	43.0%	28.0%	31.9%
$100k – $200k	15.9%	13.5%	21.1%
Over $200k	2.2%	1.4%	6.4%

Under $10k 4.2%

$10k–$15k 3.9%

$15k–$25k 10.6%

$25k–$35k 8.0%

$35k–$50k 7.5%

$50k–$75k 24.2%

$75k–$100k 26.8%

$100k–$150k 8.0%

$150k–$200k 4.1%

$200k+ 2.8%

Range	% of households
Under $10k	4.2%
$10k–$15k	3.9%
$15k–$25k	10.6%
$25k–$35k	8.0%
$35k–$50k	7.5%
$50k–$75k	24.2%
$75k–$100k	26.8%
$100k–$150k	8.0%
$150k–$200k	4.1%
$200k+	2.8%
Median income	$63,199

Housing

Home values

Under $50k 35.4%

$50k–$100k 27.1%

$100k–$150k 5.4%

$150k–$200k 3.8%

$200k–$300k 28.3%

Housing overview

Metric	Value
Median home value	$62,600
Median rent / month	$927
Owner occupied	49.0%
Renter occupied	51.0%
Vacant	18.8%
Single-family detached	57.5%
Large apartment buildings	0.0%
Mobile homes	11.5%
Median rooms	4.3
Avg household size (owned)	3.67

Year built

Era	%
2020 or later	0.0%
2010–2019	17.9%
2000–2009	8.7%
1990–1999	22.8%
1980–1989	21.7%
1970–1979	10.4%
1960–1969	2.5%
1950–1959	0.0%
1940–1949	3.0%
1939 or earlier	12.9%

Bedrooms

Size	% of units
No bedroom (studio)	7.4%
1 bedroom	10.6%
2 bedrooms	41.3%
3 bedrooms	34.0%
4 bedrooms	3.4%
5+ bedrooms	3.3%

Vehicles per household

Vehicles	% of households
No vehicle	15.4%
1 vehicle	41.0%
2 vehicles	37.3%
3 or more	6.2%

Heating fuel

Fuel type	%
Utility gas	3.7%
Electricity	11.9%
Propane / LP gas	26.4%
Wood	56.0%
No fuel used	2.0%

Households & families

Household type	Count	%
Married-couple family	144	22.5%
Cohabiting couple	149	23.2%
Male householder, no spouse	113	17.6%
Female householder, no spouse	235	36.7%
Households with children under 18	396	61.8%
Households with seniors (65+)	202	31.5%
Average household size	3.07

Marital status

Status	Male	Female
Never married	62.5%	47.6%
Married	26.0%	20.6%
Separated	2.4%	8.1%
Widowed	3.4%	7.3%
Divorced	5.7%	16.4%

Education

Less than 9th grade 5.4%

Some HS, no diploma 3.2%

HS graduate 32.9%

Some college, no degree 40.0%

Associate's degree 10.8%

Bachelor's degree 3.4%

Graduate / professional 4.4%

Metric	%
HS diploma or higher	91.4%
Bachelor's or higher	7.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	12	2.6%
Elementary school	312	68.7%
High school	130	28.6%
College / grad school	0	0.0%

Employment

Industry of employment

Education & healthcare 63.5%

Arts, food & hospitality 7.8%

Public administration 7.1%

Construction 6.6%

Retail trade 6.6%

Manufacturing 4.3%

Finance & real estate 1.7%

Professional & management 1.4%

Transportation & utilities 0.9%

Occupation

Category	%
Management, business & arts	62.5%
Service	16.2%
Sales & office	7.1%
Natural resources & construction	8.8%
Production & transportation	5.4%

Employment type

Type	%
Private sector	20.3%
Government	61.2%
Self-employed	18.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	52.0%
Carpool	5.6%
Public transit	0.0%
Walk	24.0%
Work from home	18.4%
Other means	0.0%
Avg commute (minutes)	23.4

Poverty

All people 16.9%

Under 18 years 30.2%

18 and over 11.1%

Married-couple families 0.0%

Female-led households 24.7%

Income support

Source	% of households
Social Security	25.9%
Retirement income	11.9%
Supplemental Security	1.7%
Cash public assistance	0.0%
Food stamps / SNAP	38.7%

Health indicators

Condition	%
Obesity	40.2%
High blood pressure	37.3%
High cholesterol	30.5%
Diabetes	18.1%
Heart disease	9.2%
Stroke	6.3%
Asthma	16.3%
Arthritis	27.8%
Kidney disease	4.9%
Pulmonary disease	12.8%
Cancer	5.5%

Behavior / access	%
Smoking	35.0%
Binge drinking	14.0%
No physical activity	33.9%
Less than 7 hrs sleep	43.9%
Depression	26.4%
Fair or poor health	30.0%
Poor mental health	22.9%
Poor physical health	20.2%
No health insurance	18.7%
Visited doctor (checkup)	68.6%
Visited dentist	42.9%
Cholesterol screening	84.7%
Teeth loss	34.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	228	16.7%

Disability	%
Any disability	13.8%
Under 18	2.5%
18–64 years	11.6%
65 and over	49.8%

Health insurance coverage

Type	%
Private insurance	36.3%
Public insurance	50.6%
No insurance	15.8%
Uninsured under 19	14.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,834	93.3%
Spanish	82	4.5%
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)	1,966	100.0%
Born in same state	1,966	100.0%
Born in different state	1,750	89.0%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Irish	9	0.5%

Ancestry	Count	%
English	9	0.5%

Technology access

Metric	% of households
Computer access	32.6%
Internet access	94.4%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 86042

What city is ZIP code 86042 in?

ZIP code 86042 is primarily assigned to Polacca, Arizona.

What county is ZIP code 86042 in?

ZIP code 86042 falls within Navajo County, Arizona.

Is ZIP code 86042 family-oriented?

31% of residents in ZIP code 86042 are under 18, reflecting a younger, family-oriented community.

How educated is the population of ZIP code 86042?

8% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the poverty rate in ZIP code 86042?

17% of residents in ZIP code 86042 live below the poverty line, above the national average.

Does ZIP code 86042 have a large veteran population?

17% of civilians in ZIP code 86042 are veterans, above the national average of ~7%.

What timezone is ZIP code 86042 in?

ZIP code 86042 observes the MST timezone.