85646 ZIP Code — Tubac, AZ

Santa Cruz County, Arizona

ZIP code 85646 is located in Tubac, Arizona, within Santa Cruz County. It covers approximately 69.13 square miles and serves a population of 1,403 residents. This is a standard ZIP code in the Mountain (MT) — no DST timezone, served by area code 520.

About ZIP code 85646

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $465,700. Owner-occupancy is high at 86%, well above the national average.

Median household income is $87,667. The poverty rate of 7% is below the national average. 65% 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 27 minutes is near the national average.

Educational attainment is high — 56% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Notable community characteristics include a notable veteran presence at 15% of civilians, above the national average of 7%; and disability rates above the national average at 28%.

Overall, ZIP code 85646 reflects a community defined by a highly educated population, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

1,403

population

69.13

sq mi land

Standard

ZIP type

Mountain (MT) — no DST

timezone

85646 ZIP code map

Cities in ZIP code 85646

Below are the cities the US Postal Service accepts for ZIP code 85646. Using any city not on this list may result in mail delivery delays.

City	Status
Tubac	Acceptable

Demographics updated 06/2026

Population
Total population	1,403
Population density	20 / sq mi
State FIPS	04
County FIPS	023

Geography
Land area	69.13 sq mi
Water area	0.03 sq mi
Latitude	31.6305
Longitude	-111.0989
Timezone	Mountain (MT) — no DST
Area code	520

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	41.2%	56.5%	40.6%
$50k – $100k	32.1%	27.0%	31.9%
$100k – $200k	20.8%	12.7%	21.1%
Over $200k	5.8%	3.8%	6.4%

Demographics & statistics

1,403

Population

People per sq mi

69.2

Median age

$87,667

Median household income

$59,239

Per capita income

$465,700

Median home value

$1,750

Median monthly rent

85.5%

Home ownership

6.6%

Poverty rate

3.6%

Unemployment

1,027

Housing units

56.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

15–19

25–34

35–44

45–54

55–59

60–64

200

65–74

232

152

75–84

177

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	102	7.3%
18 and over	1,301	92.7%
65 and over	842	60.0%
Median age	69.2 years

Race & ethnicity

White 79.7%

Two or more races 10.1%

Hispanic or Latino 8.3%

American Indian / Alaska Native 1.9%

Group	Count	%
White	1,219	79.7%
Two or more races	155	10.1%
Hispanic or Latino	127	8.3%
American Indian / Alaska Native	29	1.9%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	41.2%	56.5%	40.6%
$50k – $100k	32.1%	27.0%	31.9%
$100k – $200k	20.8%	12.7%	21.1%
Over $200k	5.8%	3.8%	6.4%

Under $10k 6.0%

$10k–$15k 5.7%

$15k–$25k 1.7%

$25k–$35k 5.5%

$35k–$50k 1.7%

$50k–$75k 17.4%

$75k–$100k 17.5%

$100k–$150k 28.3%

$150k–$200k 8.7%

$200k+ 7.6%

Range	% of households
Under $10k	6.0%
$10k–$15k	5.7%
$15k–$25k	1.7%
$25k–$35k	5.5%
$35k–$50k	1.7%
$50k–$75k	17.4%
$75k–$100k	17.5%
$100k–$150k	28.3%
$150k–$200k	8.7%
$200k+	7.6%
Median income	$87,667

Housing

Home values

Under $50k 1.7%

$50k–$100k 2.3%

$100k–$150k 7.4%

$150k–$200k 1.2%

$200k–$300k 11.9%

$300k–$500k 30.1%

$500k–$1M 39.2%

$1M+ 6.3%

Housing overview

Metric	Value
Median home value	$465,700
Median rent / month	$1,750
Owner occupied	85.5%
Renter occupied	14.5%
Vacant	31.8%
Single-family detached	71.9%
Large apartment buildings	0.0%
Mobile homes	7.8%
Median rooms	5.7
Avg household size (owned)	1.88

Year built

Era	%
2020 or later	0.0%
2010–2019	0.8%
2000–2009	34.6%
1990–1999	23.9%
1980–1989	13.2%
1970–1979	16.6%
1960–1969	7.3%
1950–1959	1.5%
1940–1949	0.0%
1939 or earlier	2.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	10.5%
2 bedrooms	31.1%
3 bedrooms	53.2%
4 bedrooms	2.6%
5+ bedrooms	2.6%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	41.5%
2 vehicles	43.4%
3 or more	15.0%

Heating fuel

Fuel type	%
Utility gas	40.0%
Electricity	51.5%
Propane / LP gas	8.5%

Households & families

Household type	Count	%
Married-couple family	400	51.4%
Cohabiting couple	42	5.4%
Male householder, no spouse	197	25.3%
Female householder, no spouse	139	17.9%
Households with children under 18	75	9.6%
Households with seniors (65+)	545	70.1%
Average household size	1.80

Marital status

Status	Male	Female
Never married	14.8%	4.2%
Married	61.4%	69.7%
Separated	0.0%	0.0%
Widowed	6.3%	7.8%
Divorced	17.5%	18.3%

Education

Less than 9th grade 1.1%

Some HS, no diploma 6.6%

HS graduate 4.9%

Some college, no degree 24.1%

Associate's degree 7.2%

Bachelor's degree 23.0%

Graduate / professional 33.1%

Metric	%
HS diploma or higher	92.3%
Bachelor's or higher	56.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	32	43.8%
High school	16	21.9%
College / grad school	25	34.2%

Employment

Industry of employment

Education & healthcare 28.5%

Retail trade 21.5%

Finance & real estate 9.7%

Professional & management 9.7%

Construction 8.7%

Arts, food & hospitality 6.4%

Agriculture & mining 3.5%

Public administration 3.5%

Manufacturing 3.1%

Transportation & utilities 3.1%

Other services 2.4%

Occupation

Category	%
Management, business & arts	63.9%
Service	6.4%
Sales & office	21.0%
Natural resources & construction	8.7%
Production & transportation	0.0%

Employment type

Type	%
Private sector	76.2%
Government	5.4%
Self-employed	18.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	86.8%
Carpool	0.0%
Public transit	0.0%
Walk	0.0%
Work from home	13.2%
Other means	0.0%
Avg commute (minutes)	26.8

Poverty

All people 6.6%

Under 18 years 0.0%

18 and over 7.1%

Married-couple families 3.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	65.0%
Retirement income	42.2%
Supplemental Security	0.0%
Cash public assistance	0.0%
Food stamps / SNAP	0.0%

Health indicators

Condition	%
Obesity	27.3%
High blood pressure	44.0%
High cholesterol	44.9%
Diabetes	13.6%
Heart disease	9.8%
Stroke	4.3%
Asthma	9.0%
Arthritis	32.4%
Kidney disease	4.4%
Pulmonary disease	8.6%
Cancer	11.1%

Behavior / access	%
Smoking	11.2%
Binge drinking	9.9%
No physical activity	19.5%
Less than 7 hrs sleep	26.4%
Depression	17.1%
Fair or poor health	15.0%
Poor mental health	10.7%
Poor physical health	11.7%
No health insurance	12.4%
Visited doctor (checkup)	78.3%
Visited dentist	71.5%
Cholesterol screening	95.8%
Teeth loss	9.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	197	15.1%

Disability	%
Any disability	28.0%
Under 18	0.0%
18–64 years	15.7%
65 and over	38.1%

Health insurance coverage

Type	%
Private insurance	70.7%
Public insurance	63.2%
No insurance	5.4%
Uninsured under 19	16.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,349	96.2%
Spanish	30	2.2%
Other Indo-European	30	2.2%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,311	93.4%
Born in same state	1,311	93.4%
Born in different state	229	16.3%
Foreign born	0	0.0%
Naturalized citizen	92	6.6%
Not a US citizen	65	70.7%

Ancestry

Ancestry	Count	%
French	266	19%
Italian	139	9.9%
Arab	81	5.8%

Ancestry	Count	%
English	30	2.1%
Polish	10	0.7%
Dutch	9	0.6%

Technology access

Metric	% of households
Computer access	55.5%
Internet access	96.0%

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

Frequently asked questions about ZIP code 85646

What city is ZIP code 85646 in?

ZIP code 85646 is primarily assigned to Tubac, Arizona.

What county is ZIP code 85646 in?

ZIP code 85646 falls within Santa Cruz County, Arizona.

Does ZIP code 85646 have an older population?

60% of residents in ZIP code 85646 are 65 or older, above the national average of ~17%.

Does ZIP code 85646 have a large retiree population?

65% of households in ZIP code 85646 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 85646?

56% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Is ZIP code 85646 mostly owner-occupied?

86% of occupied units in ZIP code 85646 are owner-occupied, well above the national average.

What timezone is ZIP code 85646 in?

ZIP code 85646 observes the MST timezone.