85941 ZIP Code — Whiteriver, AZ

Navajo County, Arizona

ZIP code 85941 is located in Whiteriver, Arizona, within Navajo County. It covers approximately 477.40 square miles and serves a population of 10,480 residents. This is a standard ZIP code in the Mountain (MT) — no DST timezone, served by area code 928.

About ZIP code 85941

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $78,000. Owner-occupancy sits near the national average at 60%.

Median household income is $39,411. Poverty affects 38% of residents, above the national average. 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 21 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 (17%), smoking (40%), poor mental health (26%) compared to national benchmarks. 19% of residents lack health insurance, above the national average.

Overall, ZIP code 85941 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, and elevated reliance on food assistance.

10,480

population

477.40

sq mi land

Standard

ZIP type

Mountain (MT) — no DST

timezone

85941 ZIP code map

Cities in ZIP code 85941

Below are the cities the US Postal Service accepts for ZIP code 85941. Using any city not on this list may result in mail delivery delays.

City	Status
Whiteriver	Acceptable

Demographics updated 06/2026

Population
Total population	10,480
Population density	22 / sq mi
State FIPS	04
County FIPS	017

Geography
Land area	477.40 sq mi
Water area	1.04 sq mi
Latitude	33.8039
Longitude	-110.0928
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	63.4%	57.0%	40.6%
$50k – $100k	22.0%	28.0%	31.9%
$100k – $200k	14.0%	13.5%	21.1%
Over $200k	0.6%	1.4%	6.4%

Demographics & statistics

10,480

Population

People per sq mi

30.1

Median age

$39,411

Median household income

$14,524

Per capita income

$78,000

Median home value

$612

Median monthly rent

59.8%

Home ownership

38.1%

Poverty rate

10.9%

Unemployment

1,993

Housing units

7.6%

Bachelor's or higher

Age distribution

Male Female

407

Under 5

408

454

5–9

455

604

10–14

605

491

15–19

491

358

20–24

358

659

25–34

661

656

35–44

658

538

45–54

540

364

55–59

364

239

60–64

240

333

65–74

333

101

75–84

102

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	3,640	34.7%
18 and over	6,840	65.3%
65 and over	930	8.9%
Median age	30.1 years

Race & ethnicity

American Indian / Alaska Native 92.2%

White 3.4%

Two or more races 2.2%

Native Hawaiian / Pacific Islander 0.8%

Hispanic or Latino 0.6%

Black or African American 0.4%

Other race 0.2%

Asian 0.1%

Group	Count	%
American Indian / Alaska Native	9,722	92.2%
White	358	3.4%
Two or more races	235	2.2%
Native Hawaiian / Pacific Islander	87	0.8%
Hispanic or Latino	66	0.6%
Black or African American	40	0.4%
Other race	25	0.2%
Asian	13	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	63.4%	57.0%	40.6%
$50k – $100k	22.0%	28.0%	31.9%
$100k – $200k	14.0%	13.5%	21.1%
Over $200k	0.6%	1.4%	6.4%

Under $10k 16.3%

$10k–$15k 8.1%

$15k–$25k 6.8%

$25k–$35k 12.7%

$35k–$50k 15.9%

$50k–$75k 20.1%

$75k–$100k 5.0%

$100k–$150k 9.7%

$150k–$200k 2.5%

$200k+ 2.8%

Range	% of households
Under $10k	16.3%
$10k–$15k	8.1%
$15k–$25k	6.8%
$25k–$35k	12.7%
$35k–$50k	15.9%
$50k–$75k	20.1%
$75k–$100k	5.0%
$100k–$150k	9.7%
$150k–$200k	2.5%
$200k+	2.8%
Median income	$39,411

Housing

Home values

Under $50k 19.0%

$50k–$100k 45.1%

$100k–$150k 22.1%

$150k–$200k 8.9%

$200k–$300k 2.3%

$300k–$500k 1.4%

$500k–$1M 1.2%

Housing overview

Metric	Value
Median home value	$78,000
Median rent / month	$612
Owner occupied	59.8%
Renter occupied	40.2%
Vacant	10.0%
Single-family detached	86.5%
Large apartment buildings	0.0%
Mobile homes	8.0%
Median rooms	5.1
Avg household size (owned)	3.46

Year built

Era	%
2020 or later	0.0%
2010–2019	2.0%
2000–2009	13.6%
1990–1999	23.2%
1980–1989	32.9%
1970–1979	16.8%
1960–1969	9.5%
1950–1959	0.4%
1940–1949	0.9%
1939 or earlier	0.7%

Bedrooms

Size	% of units
No bedroom (studio)	2.7%
1 bedroom	4.4%
2 bedrooms	23.7%
3 bedrooms	47.4%
4 bedrooms	19.8%
5+ bedrooms	2.1%

Vehicles per household

Vehicles	% of households
No vehicle	21.3%
1 vehicle	34.1%
2 vehicles	28.9%
3 or more	15.8%

Heating fuel

Fuel type	%
Utility gas	3.2%
Electricity	2.7%
Propane / LP gas	8.3%
Fuel oil	0.3%
Wood	85.5%

Households & families

Household type	Count	%
Married-couple family	1,302	46.3%
Cohabiting couple	212	7.5%
Male householder, no spouse	450	16.0%
Female householder, no spouse	846	30.1%
Households with children under 18	1,622	57.7%
Households with seniors (65+)	729	25.9%
Average household size	3.69

Marital status

Status	Male	Female
Never married	47.6%	38.8%
Married	43.4%	39.9%
Separated	1.9%	4.0%
Widowed	2.4%	9.0%
Divorced	4.7%	8.3%

Education

Less than 9th grade 4.9%

Some HS, no diploma 23.2%

HS graduate 35.3%

Some college, no degree 24.1%

Associate's degree 4.9%

Bachelor's degree 4.8%

Graduate / professional 2.8%

Metric	%
HS diploma or higher	71.9%
Bachelor's or higher	7.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	127	3.7%
Kindergarten	165	4.8%
Elementary school	1,825	53.3%
High school	986	28.8%
College / grad school	319	9.3%

Employment

Industry of employment

Education & healthcare 47.8%

Public administration 13.3%

Arts, food & hospitality 12.4%

Retail trade 7.2%

Finance & real estate 4.8%

Construction 3.7%

Manufacturing 3.4%

Agriculture & mining 2.4%

Other services 2.0%

Transportation & utilities 1.3%

Professional & management 0.9%

Wholesale trade 0.4%

Information 0.4%

Occupation

Category	%
Management, business & arts	32.4%
Service	30.0%
Sales & office	15.7%
Natural resources & construction	12.2%
Production & transportation	9.7%

Employment type

Type	%
Private sector	33.9%
Government	64.1%
Self-employed	2.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	73.9%
Carpool	13.6%
Public transit	2.0%
Walk	6.7%
Work from home	3.6%
Other means	0.3%
Avg commute (minutes)	20.5

Poverty

All people 38.1%

Under 18 years 44.1%

18 and over 35.0%

Married-couple families 24.0%

Female-led households 38.4%

Income support

Source	% of households
Social Security	29.8%
Retirement income	13.9%
Supplemental Security	17.9%
Cash public assistance	5.9%
Food stamps / SNAP	38.5%

Health indicators

Condition	%
Obesity	40.7%
High blood pressure	34.4%
High cholesterol	27.5%
Diabetes	16.7%
Heart disease	8.1%
Stroke	5.9%
Asthma	17.7%
Arthritis	24.9%
Kidney disease	4.5%
Pulmonary disease	13.2%
Cancer	4.3%

Behavior / access	%
Smoking	40.0%
Binge drinking	15.2%
No physical activity	36.5%
Less than 7 hrs sleep	44.8%
Depression	29.0%
Fair or poor health	33.0%
Poor mental health	26.3%
Poor physical health	21.4%
No health insurance	22.3%
Visited doctor (checkup)	66.3%
Visited dentist	37.1%
Cholesterol screening	79.6%
Teeth loss	39.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	236	3.5%

Disability	%
Any disability	19.2%
Under 18	5.8%
18–64 years	21.8%
65 and over	56.9%

Health insurance coverage

Type	%
Private insurance	22.1%
Public insurance	65.0%
No insurance	18.9%
Uninsured under 19	18.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	9,665	92.2%
Spanish	433	4.5%
Other Indo-European	4	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	22	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	10,441	99.6%
Born in same state	10,425	99.5%
Born in different state	9,840	93.9%
Foreign born	16	0.2%
Naturalized citizen	39	0.4%
Not a US citizen	22	56.4%

Ancestry

Ancestry	Count	%
Arab	15	0.1%
English	14	0.1%

Ancestry	Count	%
Italian	8	0.1%

Technology access

Metric	% of households
Computer access	26.8%
Internet access	62.0%

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

Frequently asked questions about ZIP code 85941

What city is ZIP code 85941 in?

ZIP code 85941 is primarily assigned to Whiteriver, Arizona.

What county is ZIP code 85941 in?

ZIP code 85941 falls within Navajo County, Arizona.

What is the poverty rate in ZIP code 85941?

38% of residents in ZIP code 85941 live below the poverty line, above the national average.

Is ZIP code 85941 family-oriented?

35% of residents in ZIP code 85941 are under 18, reflecting a younger, family-oriented community.

How educated is the population of ZIP code 85941?

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 typical home value in ZIP code 85941?

The median home value in ZIP code 85941 is $78,000.

What timezone is ZIP code 85941 in?

ZIP code 85941 observes the MST timezone.