87321 ZIP Code — Ramah, NM

Mckinley County, New Mexico

ZIP code 87321 is located in Ramah, New Mexico, within Mckinley County. It covers approximately 473.37 square miles and serves a population of 1,963 residents. This is a standard ZIP code in the Mountain (MT) timezone, served by area code 505.

About ZIP code 87321

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 $139,400. Owner-occupancy sits near the national average at 73%.

Median household income is $71,354. SNAP benefit usage at 18% of households reflects economic stress in the area. 39% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 26 minutes is near the national average.

Educational attainment is near the national average, with 26% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of diabetes (19%), smoking (30%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 24%.

Overall, ZIP code 87321 reflects a community defined by a significant Social Security-dependent population and elevated reliance on food assistance.

1,963

population

473.37

sq mi land

Standard

ZIP type

Mountain (MT)

timezone

87321 ZIP code map

Cities in ZIP code 87321

Below are the cities the US Postal Service accepts for ZIP code 87321. Using any city not on this list may result in mail delivery delays.

City	Status
Ramah	Acceptable
Ramah	Preferred

Nearby ZIP codes

87005 Bluewater (16.3 mi) 87301 Gallup (19 mi)

Demographics updated 06/2026

Population
Total population	1,963
Population density	4 / sq mi
State FIPS	35
County FIPS	031

Geography
Land area	473.37 sq mi
Water area	0.32 sq mi
Latitude	35.1324
Longitude	-108.5050
Timezone	Mountain (MT)
Area code	505

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	51.2%	61.3%	48.8%
$50k – $100k	28.3%	26.0%	29.4%
$100k – $200k	18.9%	10.2%	17.6%
Over $200k	1.6%	2.4%	4.1%

Demographics & statistics

1,963

Population

People per sq mi

54.5

Median age

$71,354

Median household income

$32,094

Per capita income

$139,400

Median home value

$1,114

Median monthly rent

73.4%

Home ownership

16.5%

Poverty rate

10.0%

Unemployment

835

Housing units

26.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

144

45–54

150

103

55–59

108

60–64

100

127

65–74

133

100

75–84

105

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	288	14.7%
18 and over	1,675	85.3%
65 and over	515	26.2%
Median age	54.5 years

Race & ethnicity

American Indian / Alaska Native 51.6%

White 44.5%

Two or more races 1.4%

Hispanic or Latino 1.4%

Other race 1.2%

Group	Count	%
American Indian / Alaska Native	1,026	51.6%
White	885	44.5%
Two or more races	28	1.4%
Hispanic or Latino	27	1.4%
Other race	24	1.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	51.2%	61.3%	48.8%
$50k – $100k	28.3%	26.0%	29.4%
$100k – $200k	18.9%	10.2%	17.6%
Over $200k	1.6%	2.4%	4.1%

Under $10k 14.1%

$10k–$15k 5.5%

$15k–$25k 5.4%

$25k–$35k 5.3%

$35k–$50k 13.3%

$50k–$75k 9.3%

$75k–$100k 5.5%

$100k–$150k 29.6%

$150k–$200k 7.2%

$200k+ 4.8%

Range	% of households
Under $10k	14.1%
$10k–$15k	5.5%
$15k–$25k	5.4%
$25k–$35k	5.3%
$35k–$50k	13.3%
$50k–$75k	9.3%
$75k–$100k	5.5%
$100k–$150k	29.6%
$150k–$200k	7.2%
$200k+	4.8%
Median income	$71,354

Housing

Home values

Under $50k 17.7%

$50k–$100k 17.5%

$100k–$150k 16.4%

$150k–$200k 10.7%

$200k–$300k 28.4%

$300k–$500k 5.6%

$500k–$1M 3.6%

Housing overview

Metric	Value
Median home value	$139,400
Median rent / month	$1,114
Owner occupied	73.4%
Renter occupied	26.6%
Vacant	29.6%
Single-family detached	81.5%
Large apartment buildings	0.0%
Mobile homes	16.7%
Median rooms	4.9
Avg household size (owned)	2.93

Year built

Era	%
2020 or later	0.0%
2010–2019	6.8%
2000–2009	17.3%
1990–1999	22.4%
1980–1989	17.2%
1970–1979	11.6%
1960–1969	19.1%
1950–1959	0.9%
1940–1949	3.3%
1939 or earlier	1.4%

Bedrooms

Size	% of units
No bedroom (studio)	9.0%
1 bedroom	16.2%
2 bedrooms	23.0%
3 bedrooms	41.7%
4 bedrooms	9.5%
5+ bedrooms	0.7%

Vehicles per household

Vehicles	% of households
No vehicle	3.6%
1 vehicle	32.5%
2 vehicles	26.1%
3 or more	37.8%

Heating fuel

Fuel type	%
Utility gas	4.3%
Electricity	2.8%
Propane / LP gas	28.6%
Wood	63.8%

Households & families

Household type	Count	%
Married-couple family	459	63.5%
Cohabiting couple	38	5.3%
Male householder, no spouse	115	15.9%
Female householder, no spouse	111	15.4%
Households with children under 18	101	14.0%
Households with seniors (65+)	281	38.9%
Average household size	2.69

Marital status

Status	Male	Female
Never married	35.4%	27.6%
Married	57.4%	56.5%
Separated	1.1%	1.0%
Widowed	0.0%	10.1%
Divorced	6.1%	4.8%

Education

Less than 9th grade 8.5%

Some HS, no diploma 3.7%

HS graduate 19.7%

Some college, no degree 23.9%

Associate's degree 18.2%

Bachelor's degree 19.3%

Graduate / professional 6.8%

Metric	%
HS diploma or higher	87.8%
Bachelor's or higher	26.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	21	7.7%
Kindergarten	29	10.6%
Elementary school	137	50.0%
High school	39	14.2%
College / grad school	48	17.5%

Employment

Industry of employment

Education & healthcare 41.9%

Construction 20.6%

Arts, food & hospitality 9.4%

Public administration 8.9%

Transportation & utilities 6.3%

Retail trade 6.1%

Agriculture & mining 3.8%

Other services 2.0%

Finance & real estate 0.6%

Manufacturing 0.4%

Occupation

Category	%
Management, business & arts	36.6%
Service	25.3%
Sales & office	6.7%
Natural resources & construction	25.1%
Production & transportation	6.3%

Employment type

Type	%
Private sector	41.6%
Government	53.7%
Self-employed	4.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	64.0%
Carpool	28.2%
Public transit	2.5%
Walk	0.0%
Work from home	2.8%
Other means	2.4%
Avg commute (minutes)	25.9

Poverty

All people 16.5%

Under 18 years 27.8%

18 and over 14.5%

Married-couple families 2.8%

Female-led households 33.8%

Income support

Source	% of households
Social Security	39.4%
Retirement income	32.2%
Supplemental Security	16.2%
Cash public assistance	0.6%
Food stamps / SNAP	18.1%

Health indicators

Condition	%
Obesity	40.3%
High blood pressure	40.2%
High cholesterol	34.2%
Diabetes	18.7%
Heart disease	10.3%
Stroke	6.3%
Asthma	13.8%
Arthritis	31.9%
Kidney disease	5.0%
Pulmonary disease	12.2%
Cancer	7.0%

Behavior / access	%
Smoking	29.7%
Binge drinking	12.5%
No physical activity	29.5%
Less than 7 hrs sleep	37.2%
Depression	22.8%
Fair or poor health	26.2%
Poor mental health	18.8%
Poor physical health	18.5%
No health insurance	9.9%
Visited doctor (checkup)	70.9%
Visited dentist	53.8%
Cholesterol screening	85.8%
Teeth loss	24.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	61	3.6%

Disability	%
Any disability	23.7%
Under 18	3.5%
18–64 years	27.2%
65 and over	27.4%

Health insurance coverage

Type	%
Private insurance	35.6%
Public insurance	60.4%
No insurance	13.3%
Uninsured under 19	30.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,874	95.5%
Spanish	140	7.5%
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)	1,939	98.8%
Born in same state	1,939	98.8%
Born in different state	1,145	58.3%
Foreign born	0	0.0%
Naturalized citizen	24	1.2%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
French	141	7.2%
Italian	117	6%

Ancestry	Count	%
Arab	24	1.2%
English	10	0.5%

Technology access

Metric	% of households
Computer access	36.8%
Internet access	79.8%

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

Frequently asked questions about ZIP code 87321

What city is ZIP code 87321 in?

ZIP code 87321 is primarily assigned to Ramah, New Mexico.

What county is ZIP code 87321 in?

ZIP code 87321 falls within Mckinley County, New Mexico.

Does ZIP code 87321 have an older population?

26% of residents in ZIP code 87321 are 65 or older, above the national average of ~17%.

What is the poverty rate in ZIP code 87321?

17% of residents in ZIP code 87321 live below the poverty line, above the national average.

Does ZIP code 87321 have a large retiree population?

39% of households in ZIP code 87321 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 87321?

The median home value in ZIP code 87321 is $139,400.

What timezone is ZIP code 87321 in?

ZIP code 87321 observes the MST timezone.