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Arizona ZIP Codes
Apache County
Rock Point, AZ
86545
86545 ZIP Code — Rock Point, AZ
Apache County, Arizona
ZIP code 86545 is located in
Rock Point ,
Arizona ,
within Apache County .
It covers approximately 392.21 square miles and serves a population of
1,136 residents.
This is a standard ZIP code in the Mountain (MT) timezone,
served by area code 928 .
About ZIP code 86545
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 $50,900. Owner-occupancy is high at 84%, well above the national average.
Median household income is $26,000. Poverty affects 44% of residents, above the national average. SNAP benefit usage at 35% 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 management, business, and professional, with education and healthcare as the leading industry. An above-average commute of 47 minutes suggests many residents work outside the immediate area.
College attainment at 9% is below the national average, consistent with a trades and production-oriented local economy.
Health indicators show elevated rates of diabetes (18%), smoking (31%), poor mental health (23%) compared to national benchmarks. 31% of residents lack health insurance, above the national average.
Notable community characteristics include Spanish spoken in 23% of households.
Overall, ZIP code 86545 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.
86545 ZIP code map
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Cities in ZIP code 86545
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Demographics
updated 06/2026
Population
Total population
1,136
Population density
3 / sq mi
State FIPS
04
County FIPS
001
Geography
Land area
392.21 sq mi
Water area
0.06 sq mi
Latitude
36.6677
Longitude
-109.5558
Timezone
Mountain (MT)
Area code
928
Economics
updated 06/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
78.2%
64.4%
40.6%
$50k – $100k
16.6%
24.1%
31.9%
$100k – $200k
5.2%
10.9%
21.1%
Over $200k
0.0%
0.6%
6.4%
Demographics & statistics
$26,000
Median household income
Age distribution
Age summary
Group Count % Under 18 321 28.3% 18 and over 815 71.7% 65 and over 150 13.2% Median age 32.7 years
Race & ethnicity
American Indian / Alaska Native
97.8%
Group Count % American Indian / Alaska Native 1,113 97.8% Asian 17 1.5% Two or more races 6 0.5% Hispanic or Latino 2 0.2%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
78.2%
64.4%
40.6%
$50k – $100k
16.6%
24.1%
31.9%
$100k – $200k
5.2%
10.9%
21.1%
Over $200k
0.0%
0.6%
6.4%
Range % of households Under $10k 18.2% $10k–$15k 14.9% $15k–$25k 15.8% $25k–$35k 9.2% $35k–$50k 9.8% $50k–$75k 14.0% $75k–$100k 10.1% $100k–$150k 6.5% $150k–$200k 1.5% Median income $26,000
Housing
Housing overview
Metric Value Median home value $50,900 Median rent / month $469 Owner occupied 84.2% Renter occupied 15.8% Vacant 21.7% Single-family detached 76.9% Large apartment buildings 0.0% Mobile homes 21.0% Median rooms 4.1 Avg household size (owned) 3.55
Year built
Era % 2020 or later 0.0% 2010–2019 4.2% 2000–2009 12.4% 1990–1999 31.7% 1980–1989 20.7% 1970–1979 21.0% 1960–1969 9.3% 1950–1959 0.7% 1940–1949 0.0% 1939 or earlier 0.0%
Bedrooms
Size % of units No bedroom (studio) 23.3% 1 bedroom 9.6% 2 bedrooms 32.9% 3 bedrooms 21.2% 4 bedrooms 10.5% 5+ bedrooms 2.6%
Vehicles per household
Vehicles % of households No vehicle 11.9% 1 vehicle 44.9% 2 vehicles 23.2% 3 or more 19.9%
Heating fuel
Fuel type % Utility gas 6.8% Electricity 6.8% Propane / LP gas 6.0% Wood 80.4%
Households & families
Household type Count % Married-couple family 115 34.2% Cohabiting couple 7 2.1% Male householder, no spouse 99 29.5% Female householder, no spouse 115 34.2% Households with children under 18 86 25.6% Households with seniors (65+) 106 31.5% Average household size 3.38
Marital status
Status Male Female Never married 60.3% 61.3% Married 32.2% 32.1% Separated 0.0% 1.6% Widowed 2.7% 4.9% Divorced 4.8% 0.0%
Education
Less than 9th grade
12.3%
Some HS, no diploma
12.8%
Some college, no degree
25.1%
Graduate / professional
3.5%
Metric % HS diploma or higher 74.9% Bachelor's or higher 8.8%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 11 3.6% Kindergarten 27 8.9% Elementary school 157 52.0% High school 71 23.5% College / grad school 36 11.9%
Employment
Industry of employment
Education & healthcare
37.6%
Arts, food & hospitality
8.3%
Transportation & utilities
5.5%
Public administration
5.5%
Professional & management
4.1%
Agriculture & mining
3.4%
Occupation
Category % Management, business & arts 37.6% Service 20.3% Sales & office 9.0% Natural resources & construction 24.5% Production & transportation 8.6%
Employment type
Type % Private sector 50.0% Government 41.0% Self-employed 9.0% Unpaid family workers 0.0%
Commute
Method % Drive alone 69.7% Carpool 3.8% Public transit 0.0% Walk 18.3% Work from home 8.3% Other means 0.0% Avg commute (minutes) 47.1
Poverty
Married-couple families
25.2%
Female-led households
43.5%
Income support
Source % of households Social Security 31.5% Retirement income 5.7% Supplemental Security 9.5% Cash public assistance 3.3% Food stamps / SNAP 34.5%
Health indicators
Condition % Obesity 36.9% High blood pressure 34.9% High cholesterol 27.5% Diabetes 18.1% Heart disease 8.9% Stroke 6.2% Asthma 14.6% Arthritis 24.3% Kidney disease 4.8% Pulmonary disease 11.7% Cancer 5.2%
Behavior / access % Smoking 30.7% Binge drinking 14.5% No physical activity 29.1% Less than 7 hrs sleep 39.7% Depression 22.3% Fair or poor health 29.7% Poor mental health 23.2% Poor physical health 19.6% No health insurance 18.5% Visited doctor (checkup) 69.4% Visited dentist 42.7% Cholesterol screening 83.3% Teeth loss 31.9%
Veterans & disability
Veterans Count % Civilian veterans 12 1.5%
Disability % Any disability 6.7% Under 18 0.0% 18–64 years 5.3% 65 and over 27.3%
Health insurance coverage
Type % Private insurance 20.6% Public insurance 49.6% No insurance 31.3% Uninsured under 19 36.4%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 1,067 93.9% Spanish 245 23.0% Other Indo-European 0 0.0% Asian & Pacific Islander 3 0.3% Other languages 4 0.4%
Place of birth & citizenship
Origin Count % Native born (US) 1,112 97.9% Born in same state 1,112 97.9% Born in different state 816 71.8% Foreign born 0 0.0% Naturalized citizen 24 2.1% Not a US citizen 4 16.7%
Technology access
Metric % of households Computer access 29.6% Internet access 45.5%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 86545
What city is ZIP code 86545 in?
ZIP code 86545 is primarily assigned to Rock Point, Arizona.
What county is ZIP code 86545 in?
ZIP code 86545 falls within Apache County, Arizona.
What is the poverty rate in ZIP code 86545?
44% of residents in ZIP code 86545 live below the poverty line, above the national average.
How educated is the population of ZIP code 86545?
9% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.
Is Spanish widely spoken in ZIP code 86545?
Approximately 23% of households in ZIP code 86545 speak Spanish as a primary language.
Is ZIP code 86545 mostly owner-occupied?
84% of occupied units in ZIP code 86545 are owner-occupied, well above the national average.
What timezone is ZIP code 86545 in?
ZIP code 86545 observes the MST timezone.
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