Population & age
- Total population
- 578
- Median age
- 44.1
Continental Divide, NM (87312)
McKinley County · Population 578
Fresh.Data current as of Apr 24, 2026
Continental Divide, NM (ZIP 87312) sits in McKinley County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Annual Checkup comes in above the national average at 66.6%. No NCES schools are mapped to this ZIP in the current dataset. 2 colleges and universities serve the area, with median in-state tuition of $3,626. 35% of returns claim the Earned Income Tax Credit (IRS), a higher share than most ZIPs. Local establishments report average pay of $26,097 per worker (Census ZBP) — below the US average. BLS QCEW reports average annual pay of $47,226 per worker, roughly 28% below the US average. CDC's Social Vulnerability Index places this ZIP in the 85th percentile nationally — a highly vulnerable community profile. FEMA has issued 11 federal disaster declarations affecting this ZIP since 1972. County Health Rankings reports 27,593 years of potential life lost per 100,000 (2025) — well above the national county median. Per USDA's Food Environment Atlas, 54.7% of residents in this county live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket — a deep food-access gap. New Mexico levies a graduated state income tax (top rate 5.90%); a household at the local median AGI of $38,919 would pay roughly $1,378/year before deductions. IRS migration data (2022-2023) shows a net loss of 930 residents (546 households) — the ZIP's primary county is shrinking. Both healthcare access and on-paper school density skew lighter than national norms; what shows up here is a snapshot, not a verdict — neighborhood-level texture matters at this scale. Notable: median household income $45,096, fair market rent of $1,150 for a two-bedroom, and a 20.4% poverty rate (well above the ~12% US average). Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Demographics
Race & ethnicity
- White
- 2.9%
- Black
- 0.0%
- Asian
- 0.0%
- Hispanic / Latino
- 0.0%
- Other / multi-racial
- 1.6%
Income & housing
- Median household income
- $45,096
- Median home value
- $34,300
Education
- Bachelor's degree or higher (age 25+)
- 17.7%
Employment
- Unemployment rate
- 8.3%
Housing
- Owner-occupied
- 172(88.2%)
- Renter-occupied
- 23(11.8%)
- Vacant units
- 21
- Built (median)
- 1984
Commute
- Public transit
- 54(25.8%)
- Work from home
- 35(16.7%)
- Avg commute
- 40.9 min
Economic wellbeing
- Below poverty line
- 118(20.4%)
- Uninsured
- 47(8.1%)
Digital access
- Broadband access
- 79(40.5%)
- No broadband
- 116(59.5%)
Language & nativity
- Foreign-born
- 0(0.0%)
- Non-English at home
- 435(75.3%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$800
/month
1 Bed
$940
/month
2 Bed
$1,150
/month
3 Bed
$1,390
/month
4 Bed
$1,520
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
New housing construction
New housing units permitted
8
Across 8 permitted buildings. Total construction value: $1.4M.
Single-family
8
100% of total units
Multifamily (2+ unit)
0
0% of total units
Single-family value
$1.4M
construction value
Multifamily value
$0
construction value
Based on county-level data (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Income & tax statistics
Tax returns filed
260
Average AGI
$38,919
Avg property tax
—
EITC participation
34.6%
Income distribution
- $1 – $25,00038.5% · 100
- $25,000 – $50,00034.6% · 90
- $50,000 – $75,00015.4% · 40
- $75,000 – $100,00011.5% · 30
- $100,000 – $200,0000.0% · 0
- $200,000 or more0.0% · 0
Avg mortgage interest
—
Avg charitable contribution
—
Avg capital gains
—
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $10.1M across all reported brackets.
Business & employment
Business establishments
5
Total employment
31
Annual payroll
$809K
Average annual pay
$26,097
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$47,226
Average weekly wage
$908
Total employment
19,500
Total establishments
1,225
That is roughly 28% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
5.6%
That is 1.6 percentage points above the US national unemployment rate of about 4.0%.
Labor force
23,296
Employed
21,993
Unemployed
1,303
Based on McKinley County, NM data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Federal Disaster Declarations
Federally Declared Disasters
11
Date Range
1972–2020
Most Recent Declaration
COVID-19 PANDEMIC
Biological — declared April 5, 2020 (DR-4529)
Incident period: January 20, 2020 – May 11, 2023
Top Incident Types
- Flood5 (45%)
- Biological2 (18%)
- Fire2 (18%)
- Severe Storm1 (9%)
- Hurricane1 (9%)
Individual Assistance
2
Direct help to disaster survivors
Households Program
1
Housing & temporary lodging support
Public Assistance
10
Repair of public facilities & roads
Hazard Mitigation
5
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
46.3°F
29.3° – 63.3°
Annual precipitation
19.7"
Annual snowfall
42.1"
Heating · cooling days
6,938.6 · 153.9
Annual base 65°F
Nearest station: MCGAFFEY 5 SE, NM US, 8.5 miles from the centroid of Continental Divide, NM (ZIP 87312)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Community health profile
Years of potential life lost (per 100K)
27,593
That is roughly 19,393 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
32%
of adults self-report
Poor physical health days
6.3
avg per adult per month
Poor mental health days
7.2
avg per adult per month
Uninsured
13.8%
of residents under 65
Primary care MDs
82
per 100,000 residents
Preventable hospital stays
2,681
per 100K Medicare enrollees
Food environment (0-10)
3.4
10 = best access & security
Exercise access
41%
residents near a facility
Flu vaccinated
41%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.7% of live births in this county — an early-life health input that downstream outcomes track against.
Based on McKinley data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Limited food access for many residents
54.7% of McKinley County, NM residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.14
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
1.10
accepting food benefits
Fast-food restaurants
0.76
per 1,000 residents
Among low-income residents, 34.1% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in McKinley County, NM for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Safety
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 84 reports
Property crime rate
—
per 100K residents · 155 reports
Homicide
2
Robbery
6
Burglary
41
Vehicle theft
25
County-level data for McKinley (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Who’s moving in and out
Net migration (2022-2023)
▼−930 people
−546 households • −$31.8M net AGI flow
Moved in
1,249households
2,302 people • $53.5M AGI
Moved out
1,795households
3,232 people • $85.3M AGI
Where new residents came from
- Apache County, AZ — 191 households
- Bernalillo County, NM — 186 households
- Maricopa County, AZ — 75 households
- San Juan County, NM — 63 households
- Cibola County, NM — 47 households
Where departing residents went
- Bernalillo County, NM — 341 households
- Apache County, AZ — 176 households
- Maricopa County, AZ — 133 households
- San Juan County, NM — 120 households
- Cibola County, NM — 90 households
Incoming households reported an average AGI of $42,799 versus departing households' $47,511.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in New Mexico
State-level rules that apply to every resident of ZIP 87312. Numbers reflect the most recent published year per source.
Tax rates
Income tax
5.90%
graduated · 5 brackets
Sales tax (combined)
7.67%
State 4.88% · avg local 2.79%
Property tax (effective)
0.66%
Median $1,365/year
Tax burden rank
30 of 50
10.50% of personal income
For ZIP 87312: At this ZIP's median AGI of $38,919, the estimated state income tax (before deductions) runs about $1,378 per year. Applied to this ZIP's typical home value of $34,300, that works out to roughly $226/year in property tax.
Paid family leave
Program
No program
No program
Safety net
SNAP eligibility
165% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 87312
Nearby ZIPs by distance
87347 (Jamestown, 7 mi) · 87323 (Thoreau, 9.2 mi) · 87316 (Iyanbito, 11 mi) · 87365 (13.8 mi) · 87311 (Church Rock, 15 mi) · 87322 (Sundance, 18.3 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
41.1%
8.1pp above the 33.0% national rate.
High Blood Pressure
39.2%
7.2pp above the 32.0% national rate.
Depression
24.9%
2.9pp above the 22.0% national rate.
Annual Checkup
66.6%
9.4pp below the 76.0% national rate.
Health Insurance
14.7%
Tracks close to the 13.0% national rate.
Diabetes
19.4%
8.4pp above the 11.0% national rate.
Colleges & universities nearby
Colleges in this area
2
Median in-state tuition
$3,626
Median earnings (10 yr)
$35,578
- 4-Year
Navajo Technical University
Crownpoint, NM · 87313
- In-state tuition
- $4,346
- Out-of-state tuition
- $4,346
- Acceptance rate
- —
- Graduation rate
- 15.8%
- Median earnings (10 yr)
- $26,364
- Median student debt
- —
- 2-Year
University of New Mexico-Gallup Campus
Gallup, NM · 87301
- In-state tuition
- $2,906
- Out-of-state tuition
- $5,682
- Acceptance rate
- —
- Graduation rate
- 19.5%
- Median earnings (10 yr)
- $44,792
- Median student debt
- $18,450
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
Continental Divide, NM (ZIP 87312) sits in McKinley County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Annual Checkup comes in above the national average at 66.6%. No NCES schools are mapped to this ZIP in the current dataset. 2 colleges and universities serve the area, with median in-state tuition of $3,626. 35% of returns claim the Earned Income Tax Credit (IRS), a higher share than most ZIPs. Local establishments report average pay of $26,097 per worker (Census ZBP) — below the US average. BLS QCEW reports average annual pay of $47,226 per worker, roughly 28% below the US average. CDC's Social Vulnerability Index places this ZIP in the 85th percentile nationally — a highly vulnerable community profile. FEMA has issued 11 federal disaster declarations affecting this ZIP since 1972. County Health Rankings reports 27,593 years of potential life lost per 100,000 (2025) — well above the national county median. Per USDA's Food Environment Atlas, 54.7% of residents in this county live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket — a deep food-access gap. New Mexico levies a graduated state income tax (top rate 5.90%); a household at the local median AGI of $38,919 would pay roughly $1,378/year before deductions. IRS migration data (2022-2023) shows a net loss of 930 residents (546 households) — the ZIP's primary county is shrinking. Both healthcare access and on-paper school density skew lighter than national norms; what shows up here is a snapshot, not a verdict — neighborhood-level texture matters at this scale. Notable: median household income $45,096, fair market rent of $1,150 for a two-bedroom, and a 20.4% poverty rate (well above the ~12% US average). Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
- Fair market rent for a two-bedroom ($1,150/month, HUD SAFMR) represents 31% of median household income ($45,096, Census ACS) — above the 30% affordability threshold commonly used by housing experts.
- Strong public-transit usage (26% of commuters, Census ACS B08301) contributes to a mean commute of 41 minutes (Census ACS B08303).
One concrete reading worth keeping: Depression prevalence sits higher the national rate at 24.9%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 87312
What is the obesity rate in ZIP 87312?
41.1%, which is 8.1 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 87312?
24.9%, which is 2.9 percentage points above the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 87312?
39.2%, which is 7.2 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the population of ZIP 87312?
578 people live in ZIP 87312, with a median age of 44.1 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 87312?
$45,096 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 87312 mostly renters or homeowners?
In ZIP 87312, 88.2% of occupied housing units are owner-occupied and 11.8% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 87312?
In ZIP 87312, 16.7% of workers work from home. Public transit is used by 25.8% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 87312?
20.4% of the population in ZIP 87312 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 87312 have broadband internet?
40.5% of households in ZIP 87312 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the average household income in ZIP 87312?
The average Adjusted Gross Income reported on tax returns from ZIP 87312 (Continental Divide, NM) is $38,919 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 87312?
Tax returns from ZIP 87312 report an average of $0 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 87312 earn over $200,000?
0.0% of tax returns from ZIP 87312 (Continental Divide, NM) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How many businesses are in ZIP 87312?
As of 2022, 5 business establishments operated in ZIP 87312 employing 31 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 87312?
The average annual pay across all local establishments in ZIP 87312 is $26,097, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 87312 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 87312 ranks in the 85th percentile nationally for social vulnerability — a very high vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 87312?
Racial & Ethnic Minority Status is the highest-scoring CDC SVI theme for ZIP 87312, ranking in the 93th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 87312 experienced?
FEMA has recorded 11 federal disaster declarations affecting ZIP 87312 between 1972–2020 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 87312?
Flood is the most common federally declared disaster type affecting ZIP 87312, accounting for 5 of 11 declarations (45%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 87312?
The most recent FEMA disaster declaration affecting ZIP 87312 was "COVID-19 PANDEMIC" — a biological declared in 2020 (DR-4529) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 87312?
2 colleges and universities are listed near ZIP 87312 by the U.S. Department of Education College Scorecard, including Navajo Technical University and University Of New Mexico-Gallup Campus (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 87312?
Median in-state tuition across 2 nearby institutions is $3,626 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 87312?
Graduates of nearby colleges earn a median of $35,578 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 87312?
ZIP 87312 has an average annual temperature of 46.3°F and 19.7" of annual precipitation based on the MCGAFFEY 5 SE, NM US weather station 8.5 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
What taxes apply in ZIP 87312?
New Mexico has a graduated income tax with a top rate of 5.90%. Households at the local median AGI of $38,919 would pay roughly $1,378 in state income tax annually (estimated, before deductions). Combined sales tax: 7.67% (Tax Foundation 2025).
Does New Mexico have paid family leave?
New Mexico has no state paid family leave program (Bipartisan Policy Center 2026).
What data is available for ZIP 87312?
This page covers health outcomes from CDC PLACES (40 metrics), demographics from the Census ACS 5-Year (2022), colleges from the U.S. Department of Education College Scorecard (2 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (11 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (11 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 87312
Nearby ZIPs by distance
87347 (Jamestown, 7 mi) · 87323 (Thoreau, 9.2 mi) · 87316 (Iyanbito, 11 mi) · 87365 (13.8 mi) · 87311 (Church Rock, 15 mi) · 87322 (Sundance, 18.3 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
Have a specific question about ZIP 87312?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
85th percentile
Very High Vulnerability
Based on 3 census tracts, population 1,451
Vulnerability Themes
Households Without Vehicle
46
Limited English Speakers
23
Persons with Disability
233
Without HS Diploma
191
Without Health Insurance
275
Adults Age 65+
180
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.