85940 ZIP Code — Vernon, AZ

Apache County, Arizona

ZIP code 85940 is located in Vernon, Arizona, within Apache County. It covers approximately 98.23 square miles and serves a population of 1,548 residents. This is a standard ZIP code in the Mountain (MT) — no DST timezone, served by area code 928.

About ZIP code 85940

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $236,200. Owner-occupancy is high at 88%, well above the national average.

Median household income is $61,971. 41% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with construction as the leading industry. The average commute of 32 minutes is near the national average. Remote work is prevalent — 29% of workers work from home.

Educational attainment is near the national average, with 34% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 17% of civilians, above the national average of 7%; and disability rates above the national average at 23%.

Overall, ZIP code 85940 reflects a community defined by a strong veteran community, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

1,548

population

98.23

sq mi land

Standard

ZIP type

Mountain (MT) — no DST

timezone

85940 ZIP code map

Cities in ZIP code 85940

Below are the cities the US Postal Service accepts for ZIP code 85940. Using any city not on this list may result in mail delivery delays.

City	Status
Vernon	Acceptable

Demographics updated 06/2026

Population
Total population	1,548
Population density	16 / sq mi
State FIPS	04
County FIPS	001

Geography
Land area	98.23 sq mi
Water area	0.14 sq mi
Latitude	34.2354
Longitude	-109.6450
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	40.2%	64.4%	40.6%
$50k – $100k	47.0%	24.1%	31.9%
$100k – $200k	12.7%	10.9%	21.1%
Over $200k	0.0%	0.6%	6.4%

Demographics & statistics

1,548

Population

People per sq mi

53.5

Median age

$61,971

Median household income

$30,960

Per capita income

$236,200

Median home value

Median monthly rent

88.0%

Home ownership

17.3%

Poverty rate

3.6%

Unemployment

759

Housing units

34.3%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

103

35–44

120

45–54

108

55–59

161

60–64

144

136

65–74

122

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	229	14.8%
18 and over	1,319	85.2%
65 and over	350	22.6%
Median age	53.5 years

Race & ethnicity

White 81.1%

Hispanic or Latino 5.9%

Two or more races 4%

American Indian / Alaska Native 3.3%

Black or African American 2.9%

Other race 2.8%

Group	Count	%
White	1,334	81.1%
Hispanic or Latino	97	5.9%
Two or more races	66	4%
American Indian / Alaska Native	54	3.3%
Black or African American	48	2.9%
Other race	46	2.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	40.2%	64.4%	40.6%
$50k – $100k	47.0%	24.1%	31.9%
$100k – $200k	12.7%	10.9%	21.1%
Over $200k	0.0%	0.6%	6.4%

Under $10k 4.9%

$10k–$15k 16.1%

$25k–$35k 8.4%

$35k–$50k 6.7%

$50k–$75k 20.4%

$75k–$100k 11.2%

$100k–$150k 19.5%

$150k–$200k 6.4%

$200k+ 6.4%

Range	% of households
Under $10k	4.9%
$10k–$15k	16.1%
$25k–$35k	8.4%
$35k–$50k	6.7%
$50k–$75k	20.4%
$75k–$100k	11.2%
$100k–$150k	19.5%
$150k–$200k	6.4%
$200k+	6.4%
Median income	$61,971

Housing

Home values

Under $50k 21.1%

$50k–$100k 1.1%

$100k–$150k 7.2%

$150k–$200k 7.2%

$200k–$300k 33.4%

$300k–$500k 18.5%

$500k–$1M 11.5%

Housing overview

Metric	Value
Median home value	$236,200
Median rent / month	$0
Owner occupied	88.0%
Renter occupied	12.0%
Vacant	35.1%
Single-family detached	55.9%
Large apartment buildings	0.0%
Mobile homes	44.1%
Median rooms	5.1
Avg household size (owned)	2.59

Year built

Era	%
2020 or later	0.0%
2010–2019	0.0%
2000–2009	38.2%
1990–1999	35.6%
1980–1989	17.6%
1970–1979	0.9%
1960–1969	4.4%
1950–1959	2.4%
1940–1949	1.0%
1939 or earlier	0.0%

Bedrooms

Size	% of units
No bedroom (studio)	1.6%
1 bedroom	13.9%
2 bedrooms	29.4%
3 bedrooms	40.8%
4 bedrooms	13.2%
5+ bedrooms	1.1%

Vehicles per household

Vehicles	% of households
No vehicle	6.4%
1 vehicle	19.5%
2 vehicles	43.4%
3 or more	30.7%

Heating fuel

Fuel type	%
Electricity	23.4%
Propane / LP gas	28.7%
Wood	47.9%

Households & families

Household type	Count	%
Married-couple family	263	49.3%
Cohabiting couple	71	13.3%
Male householder, no spouse	89	16.7%
Female householder, no spouse	111	20.8%
Households with children under 18	108	20.2%
Households with seniors (65+)	190	35.6%
Average household size	2.77

Marital status

Status	Male	Female
Never married	16.5%	25.8%
Married	45.2%	52.7%
Separated	10.7%	0.0%
Widowed	2.0%	5.0%
Divorced	25.6%	16.5%

Education

Less than 9th grade 2.0%

Some HS, no diploma 5.4%

HS graduate 25.1%

Some college, no degree 23.9%

Associate's degree 9.2%

Bachelor's degree 19.1%

Graduate / professional 15.2%

Metric	%
HS diploma or higher	92.6%
Bachelor's or higher	34.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	33	16.5%
Elementary school	66	33.0%
High school	48	24.0%
College / grad school	53	26.5%

Employment

Industry of employment

Transportation & utilities 18.7%

Construction 17.8%

Education & healthcare 13.8%

Professional & management 12.1%

Public administration 11.6%

Retail trade 9.6%

Agriculture & mining 8.1%

Finance & real estate 2.4%

Other services 2.4%

Information 2.2%

Arts, food & hospitality 1.5%

Occupation

Category	%
Management, business & arts	35.3%
Service	9.6%
Sales & office	23.7%
Natural resources & construction	19.5%
Production & transportation	11.9%

Employment type

Type	%
Private sector	70.1%
Government	22.0%
Self-employed	7.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	63.2%
Carpool	8.2%
Public transit	0.0%
Walk	0.0%
Work from home	28.6%
Other means	0.0%
Avg commute (minutes)	31.9

Poverty

All people 17.3%

Under 18 years 0.0%

18 and over 20.3%

Married-couple families 6.8%

Female-led households 100.0%

Income support

Source	% of households
Social Security	41.4%
Retirement income	32.0%
Supplemental Security	7.9%
Cash public assistance	2.1%
Food stamps / SNAP	10.3%

Health indicators

Condition	%
Obesity	27.4%
High blood pressure	33.9%
High cholesterol	35.2%
Diabetes	11.6%
Heart disease	7.5%
Stroke	3.6%
Asthma	9.7%
Arthritis	26.2%
Kidney disease	3.5%
Pulmonary disease	7.9%
Cancer	8.0%

Behavior / access	%
Smoking	13.2%
Binge drinking	13.4%
No physical activity	17.5%
Less than 7 hrs sleep	30.3%
Depression	17.8%
Fair or poor health	14.4%
Poor mental health	13.8%
Poor physical health	11.8%
No health insurance	11.9%
Visited doctor (checkup)	71.1%
Visited dentist	65.8%
Cholesterol screening	92.2%
Teeth loss	9.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	221	16.8%

Disability	%
Any disability	22.6%
Under 18	10.0%
18–64 years	22.7%
65 and over	30.6%

Health insurance coverage

Type	%
Private insurance	49.2%
Public insurance	61.8%
No insurance	10.1%
Uninsured under 19	3.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,475	95.3%
Spanish	34	2.3%
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)	1,526	98.6%
Born in same state	1,488	96.1%
Born in different state	651	42.1%
Foreign born	38	2.5%
Naturalized citizen	22	1.4%
Not a US citizen	22	100.0%

Ancestry

Ancestry	Count	%
Arab	193	12.5%
French	184	11.9%
Italian	150	9.7%

Ancestry	Count	%
English	69	4.5%
Dutch	19	1.2%
Polish	9	0.6%

Technology access

Metric	% of households
Computer access	34.5%
Internet access	96.8%

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

Frequently asked questions about ZIP code 85940

What city is ZIP code 85940 in?

ZIP code 85940 is primarily assigned to Vernon, Arizona.

What county is ZIP code 85940 in?

ZIP code 85940 falls within Apache County, Arizona.

Is ZIP code 85940 mostly owner-occupied?

88% of occupied units in ZIP code 85940 are owner-occupied, well above the national average.

What is the poverty rate in ZIP code 85940?

17% of residents in ZIP code 85940 live below the poverty line, above the national average.

Does ZIP code 85940 have a large veteran population?

17% of civilians in ZIP code 85940 are veterans, above the national average of ~7%.

Does ZIP code 85940 have a large retiree population?

41% of households in ZIP code 85940 receive Social Security income, suggesting a significant retiree or disability population.

What timezone is ZIP code 85940 in?

ZIP code 85940 observes the MST timezone.