86038 ZIP Code — Mormon Lake, AZ

Coconino County, Arizona

ZIP code 86038 is located in Mormon Lake, Arizona, within Coconino County. It covers approximately 136.38 square miles and serves a population of 272 residents. This is a standard ZIP code in the Mountain (MT) — no DST timezone, served by area code 928.

About ZIP code 86038

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 $274,000.

The dominant occupation class is service, with public administration as the leading industry. The average commute of 4 minutes is near the national average.

College attainment at 20% is below the national average, consistent with a trades and production-oriented local economy.

70% of residents lack health insurance, above the national average.

Notable community characteristics include a notable veteran presence at 36% of civilians, above the national average of 7%.

Overall, ZIP code 86038 reflects a community defined by a trades-oriented workforce, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

272

population

136.38

sq mi land

Standard

ZIP type

Mountain (MT) — no DST

timezone

86038 ZIP code map

Cities in ZIP code 86038

Below are the cities the US Postal Service accepts for ZIP code 86038. Using any city not on this list may result in mail delivery delays.

City	Status
Mormon Lake	Acceptable
Mormon Lake	Preferred

Nearby ZIP codes

86005 Flagstaff (14 mi) 86336 Sedona (19.9 mi)

Demographics updated 06/2026

Population
Total population	272
Population density	2 / sq mi
State FIPS	04
County FIPS	005

Geography
Land area	136.38 sq mi
Water area	7.71 sq mi
Latitude	34.9433
Longitude	-111.4282
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	0.0%	42.0%	40.6%
$50k – $100k	65.2%	33.0%	31.9%
$100k – $200k	34.8%	19.7%	21.1%
Over $200k	0.0%	5.2%	6.4%

Demographics & statistics

272

Population

People per sq mi

32.5

Median age

Median household income

$20,570

Per capita income

$274,000

Median home value

Median monthly rent

100.0%

Home ownership

5.1%

Poverty rate

0.0%

Unemployment

519

Housing units

19.7%

Bachelor's or higher

Age distribution

Male Female

5–9

10–14

25–34

35–44

60–64

65–74

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	120	44.1%
18 and over	152	55.9%
65 and over	47	17.3%
Median age	32.5 years

Race & ethnicity

White 100%

Group	Count	%
White	272	100%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	0.0%	42.0%	40.6%
$50k – $100k	65.2%	33.0%	31.9%
$100k – $200k	34.8%	19.7%	21.1%
Over $200k	0.0%	5.2%	6.4%

$10k–$15k 18.4%

$35k–$50k 40.8%

$75k–$100k 25.0%

$150k–$200k 15.8%

Range	% of households
$10k–$15k	18.4%
$35k–$50k	40.8%
$75k–$100k	25.0%
$150k–$200k	15.8%
Median income	$0

Housing

Home values

$150k–$200k 18.4%

$200k–$300k 65.8%

$500k–$1M 15.8%

Housing overview

Metric	Value
Median home value	$274,000
Median rent / month	$0
Owner occupied	100.0%
Renter occupied	0.0%
Vacant	85.4%
Single-family detached	89.0%
Large apartment buildings	0.0%
Mobile homes	11.0%
Median rooms	5.0
Avg household size (owned)	3.58

Year built

Era	%
2020 or later	6.0%
2010–2019	0.0%
2000–2009	7.9%
1990–1999	14.5%
1980–1989	53.9%
1970–1979	7.9%
1960–1969	7.1%
1950–1959	0.0%
1940–1949	0.0%
1939 or earlier	2.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	22.9%
2 bedrooms	33.7%
3 bedrooms	40.8%
4 bedrooms	2.5%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	0.0%
2 vehicles	25.0%
3 or more	75.0%

Heating fuel

Fuel type	%
Electricity	18.4%
Propane / LP gas	81.6%

Households & families

Household type	Count	%
Married-couple family	43	56.6%
Cohabiting couple	0	0.0%
Male householder, no spouse	33	43.4%
Female householder, no spouse	0	0.0%
Households with children under 18	31	40.8%
Households with seniors (65+)	31	40.8%
Average household size	3.58

Marital status

Status	Male	Female
Never married	33.3%	0.0%
Married	45.0%	100.0%
Separated	0.0%	0.0%
Widowed	9.0%	0.0%
Divorced	12.6%	0.0%

Education

Less than 9th grade 0.0%

Some HS, no diploma 0.0%

HS graduate 33.6%

Some college, no degree 46.7%

Associate's degree 0.0%

Bachelor's degree 19.7%

Graduate / professional 0.0%

Metric	%
HS diploma or higher	100.0%
Bachelor's or higher	19.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	40	33.3%
Elementary school	80	66.7%
High school	0	0.0%
College / grad school	0	0.0%

Employment

Industry of employment

Public administration 78.1%

Retail trade 21.9%

Occupation

Category	%
Management, business & arts	18.8%
Service	59.4%
Sales & office	0.0%
Natural resources & construction	0.0%
Production & transportation	21.9%

Employment type

Type	%
Private sector	21.9%
Government	78.1%
Self-employed	0.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	100.0%
Carpool	0.0%
Public transit	0.0%
Walk	0.0%
Work from home	0.0%
Other means	0.0%
Avg commute (minutes)	4.1

Poverty

All people 5.1%

Under 18 years 0.0%

18 and over 9.2%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	40.8%
Retirement income	40.8%
Supplemental Security	0.0%
Cash public assistance	0.0%
Food stamps / SNAP	0.0%

Health indicators

Condition	%
Obesity	25.8%
High blood pressure	35.4%
High cholesterol	37.4%
Diabetes	10.4%
Heart disease	7.4%
Stroke	3.2%
Asthma	9.8%
Arthritis	27.9%
Kidney disease	3.4%
Pulmonary disease	7.3%
Cancer	8.7%

Behavior / access	%
Smoking	13.2%
Binge drinking	15.2%
No physical activity	15.6%
Less than 7 hrs sleep	26.1%
Depression	18.1%
Fair or poor health	12.0%
Poor mental health	12.0%
Poor physical health	10.0%
No health insurance	9.7%
Visited doctor (checkup)	72.0%
Visited dentist	72.1%
Cholesterol screening	93.8%
Teeth loss	8.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	54	35.5%

Disability	%
Any disability	3.7%
Under 18	0.0%
18–64 years	0.0%
65 and over	21.3%

Health insurance coverage

Type	%
Private insurance	16.9%
Public insurance	21.0%
No insurance	69.5%
Uninsured under 19	100.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	272	100.0%
Spanish	0	0.0%
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)	272	100.0%
Born in same state	272	100.0%
Born in different state	151	55.5%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	32	11.8%

Technology access

Metric	% of households
Computer access	27.9%
Internet access	100.0%

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

Frequently asked questions about ZIP code 86038

What city is ZIP code 86038 in?

ZIP code 86038 is primarily assigned to Mormon Lake, Arizona.

What county is ZIP code 86038 in?

ZIP code 86038 falls within Coconino County, Arizona.

Is ZIP code 86038 family-oriented?

44% of residents in ZIP code 86038 are under 18, reflecting a younger, family-oriented community.

Does ZIP code 86038 have a large veteran population?

36% of civilians in ZIP code 86038 are veterans, above the national average of ~7%.

Does ZIP code 86038 have a large retiree population?

41% of households in ZIP code 86038 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 86038?

ZIP code 86038 has an estimated population of 272 residents, with a density of 2 people per square mile.

What timezone is ZIP code 86038 in?

ZIP code 86038 observes the MST timezone.