85331 ZIP Code — Cave Creek, AZ

Maricopa County, Arizona

ZIP code 85331 is located in Cave Creek, Arizona, within Maricopa County. It covers approximately 131.13 square miles and serves a population of 31,133 residents. This is a standard ZIP code in the Mountain (MT) — no DST timezone, served by area code 480/602.

About ZIP code 85331

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 $624,400. Owner-occupancy is high at 93%, well above the national average.

The gap between median ($117,938) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 5% is below the national average. 37% 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. Remote work is prevalent — 26% of workers work from home.

Educational attainment is high — 55% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 85331 reflects a community defined by a highly educated population, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

31,133

population

131.13

sq mi land

Standard

ZIP type

Mountain (MT) — no DST

timezone

85331 ZIP code map

Cities in ZIP code 85331

Below are the cities the US Postal Service accepts for ZIP code 85331. Using any city not on this list may result in mail delivery delays.

City	Status
Cave Creek	Preferred

Nearby ZIP codes

85266 Scottsdale (4.9 mi) 85054 Phoenix (11.1 mi) 85050 Phoenix (11.3 mi) 85086 Phoenix (11.5 mi) 85024 Phoenix (12.6 mi) 85085 Phoenix (12.9 mi) 85087 New River (13.1 mi) 85255 Scottsdale (13.8 mi) 85263 Rio Verde (15.1 mi) 85027 Phoenix (15.4 mi) 85254 Scottsdale (15.5 mi) 85032 Phoenix (15.8 mi)

Demographics updated 05/2026

Population
Total population	31,133
Population density	237 / sq mi
State FIPS	04
County FIPS	013

Geography
Land area	131.13 sq mi
Water area	0.03 sq mi
Latitude	33.8412
Longitude	-111.9173
Timezone	Mountain (MT) — no DST
Area code	480/602

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	25.9%	36.2%	40.6%
$50k – $100k	23.8%	32.0%	31.9%
$100k – $200k	31.0%	23.7%	21.1%
Over $200k	19.3%	8.0%	6.4%

Demographics & statistics

31,133

Population

237

People per sq mi

51.0

Median age

$117,938

Median household income

$61,028

Per capita income

$624,400

Median home value

$2,271

Median monthly rent

92.7%

Home ownership

5.2%

Poverty rate

2.2%

Unemployment

12,609

Housing units

54.8%

Bachelor's or higher

Age distribution

Male Female

831

Under 5

870

785

5–9

822

803

10–14

841

982

15–19

1,028

626

20–24

656

876

25–34

918

1,384

35–44

1,449

2,562

45–54

2,683

1,609

55–59

1,685

1,037

60–64

1,086

2,370

65–74

2,482

1,063

75–84

1,114

279

85+

292

← Male

Female →

Age summary

Group	Count	%
Under 18	6,473	20.8%
18 and over	24,660	79.2%
65 and over	7,600	24.4%
Median age	51.0 years

Race & ethnicity

White 86.3%

Two or more races 4.9%

Hispanic or Latino 4.2%

Asian 2.3%

Other race 1.2%

Black or African American 0.9%

American Indian / Alaska Native 0.2%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	28,044	86.3%
Two or more races	1,595	4.9%
Hispanic or Latino	1,363	4.2%
Asian	743	2.3%
Other race	378	1.2%
Black or African American	301	0.9%
American Indian / Alaska Native	54	0.2%
Native Hawaiian / Pacific Islander	18	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	25.9%	36.2%	40.6%
$50k – $100k	23.8%	32.0%	31.9%
$100k – $200k	31.0%	23.7%	21.1%
Over $200k	19.3%	8.0%	6.4%

Under $10k 2.9%

$10k–$15k 1.6%

$15k–$25k 3.7%

$25k–$35k 3.7%

$35k–$50k 6.2%

$50k–$75k 12.1%

$75k–$100k 10.0%

$100k–$150k 19.8%

$150k–$200k 12.0%

$200k+ 28.2%

Range	% of households
Under $10k	2.9%
$10k–$15k	1.6%
$15k–$25k	3.7%
$25k–$35k	3.7%
$35k–$50k	6.2%
$50k–$75k	12.1%
$75k–$100k	10.0%
$100k–$150k	19.8%
$150k–$200k	12.0%
$200k+	28.2%
Median income	$117,938

Housing

Home values

Under $50k 1.5%

$50k–$100k 0.3%

$100k–$150k 0.1%

$150k–$200k 0.4%

$200k–$300k 2.8%

$300k–$500k 28.2%

$500k–$1M 51.1%

$1M+ 15.5%

Housing overview

Metric	Value
Median home value	$624,400
Median rent / month	$2,271
Owner occupied	92.7%
Renter occupied	7.3%
Vacant	8.3%
Single-family detached	89.9%
Large apartment buildings	0.6%
Mobile homes	2.0%
Median rooms	6.7
Avg household size (owned)	2.52

Year built

Era	%
2020 or later	0.5%
2010–2019	15.1%
2000–2009	23.4%
1990–1999	42.7%
1980–1989	8.8%
1970–1979	6.6%
1960–1969	1.7%
1950–1959	0.9%
1940–1949	0.3%
1939 or earlier	0.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.7%
1 bedroom	1.9%
2 bedrooms	11.6%
3 bedrooms	39.1%
4 bedrooms	37.8%
5+ bedrooms	9.0%

Vehicles per household

Vehicles	% of households
No vehicle	1.3%
1 vehicle	22.9%
2 vehicles	47.1%
3 or more	28.7%

Heating fuel

Fuel type	%
Utility gas	43.7%
Electricity	51.4%
Propane / LP gas	2.3%
Wood	0.2%
Solar	1.3%
No fuel used	1.1%

Households & families

Household type	Count	%
Married-couple family	7,969	64.3%
Cohabiting couple	927	7.5%
Male householder, no spouse	1,250	10.1%
Female householder, no spouse	2,246	18.1%
Households with children under 18	3,409	27.5%
Households with seniors (65+)	4,969	40.1%
Average household size	2.51

Marital status

Status	Male	Female
Never married	22.3%	17.7%
Married	66.3%	60.9%
Separated	0.0%	0.1%
Widowed	1.4%	8.3%
Divorced	10.0%	12.9%

Education

Less than 9th grade 0.5%

Some HS, no diploma 1.1%

HS graduate 14.1%

Some college, no degree 21.1%

Associate's degree 8.4%

Bachelor's degree 33.3%

Graduate / professional 21.5%

Metric	%
HS diploma or higher	98.3%
Bachelor's or higher	54.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	375	6.1%
Kindergarten	281	4.6%
Elementary school	2,492	40.5%
High school	1,869	30.4%
College / grad school	1,140	18.5%

Employment

Industry of employment

Education & healthcare 21.0%

Professional & management 15.0%

Finance & real estate 13.3%

Retail trade 11.5%

Arts, food & hospitality 9.0%

Other services 6.0%

Construction 5.7%

Manufacturing 5.7%

Wholesale trade 4.0%

Public administration 3.7%

Transportation & utilities 2.5%

Information 1.9%

Agriculture & mining 0.7%

Occupation

Category	%
Management, business & arts	52.7%
Service	10.8%
Sales & office	26.3%
Natural resources & construction	4.2%
Production & transportation	6.0%

Employment type

Type	%
Private sector	82.8%
Government	9.5%
Self-employed	7.5%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	67.6%
Carpool	2.9%
Public transit	0.2%
Walk	1.4%
Work from home	26.1%
Other means	1.8%
Avg commute (minutes)	26.6

Poverty

All people 5.2%

Under 18 years 5.8%

18 and over 5.0%

Married-couple families 2.4%

Female-led households 18.3%

Income support

Source	% of households
Social Security	36.7%
Retirement income	30.1%
Supplemental Security	1.8%
Cash public assistance	0.7%
Food stamps / SNAP	2.0%

Health indicators

Condition	%
Obesity	27.6%
High blood pressure	30.3%
High cholesterol	34.2%
Diabetes	8.3%
Heart disease	5.1%
Stroke	2.3%
Asthma	9.6%
Arthritis	21.4%
Kidney disease	2.6%
Pulmonary disease	5.0%
Cancer	7.0%

Behavior / access	%
Smoking	11.5%
Binge drinking	16.3%
No physical activity	14.9%
Less than 7 hrs sleep	29.0%
Depression	18.6%
Fair or poor health	9.5%
Poor mental health	12.4%
Poor physical health	8.0%
No health insurance	9.2%
Visited doctor (checkup)	72.0%
Visited dentist	73.2%
Cholesterol screening	93.6%
Teeth loss	7.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,859	7.5%

Disability	%
Any disability	8.5%
Under 18	3.7%
18–64 years	4.8%
65 and over	20.9%

Health insurance coverage

Type	%
Private insurance	80.7%
Public insurance	28.1%
No insurance	5.4%
Uninsured under 19	4.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	29,432	94.5%
Spanish	568	1.9%
Other Indo-European	276	0.9%
Asian & Pacific Islander	94	0.3%
Other languages	143	0.5%

Place of birth & citizenship

Origin	Count	%
Native born (US)	28,923	92.9%
Born in same state	28,524	91.6%
Born in different state	8,142	26.2%
Foreign born	399	1.3%
Naturalized citizen	2,210	7.1%
Not a US citizen	1,570	71.0%

Ancestry

Ancestry	Count	%
French	5,524	17.7%
Italian	4,084	13.1%
Arab	1,162	3.7%
Polish	1,102	3.5%
English	270	0.9%

Ancestry	Count	%
German	191	0.6%
Norwegian	152	0.5%
Irish	144	0.5%
Dutch	122	0.4%

Technology access

Metric	% of households
Computer access	39.8%
Internet access	98.9%

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

Frequently asked questions about ZIP code 85331

What city is ZIP code 85331 in?

ZIP code 85331 is primarily assigned to Cave Creek, Arizona.

What county is ZIP code 85331 in?

ZIP code 85331 falls within Maricopa County, Arizona.

Is ZIP code 85331 mostly owner-occupied?

93% of occupied units in ZIP code 85331 are owner-occupied, well above the national average.

How educated is the population of ZIP code 85331?

55% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 85331 have a large retiree population?

37% of households in ZIP code 85331 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 85331?

The median home value in ZIP code 85331 is $624,400.

What timezone is ZIP code 85331 in?

ZIP code 85331 observes the MST timezone.