ZIP Code 97048 — Rainier city, OR Demographics & Data

ZIP code 97048 covers Rainier, OR in Columbia County with a population of about 7,096.

At a glance, the area shows median age of 48.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 503, 971; U.S. House district OR-1; the PORTLAND, OR media market.

Median household income in ZIP 97048 is about $74,453 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.8%; unemployment rate near 5.5%; 15.5% of adults with a bachelor’s degree or higher (about 18.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Healthcare; about 13.3% of workers reporting work-from-home (about 1.8 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $364,300 — about 5% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $740 (about 36% below the U.S. median rent ($1,163)), and owner-occupancy near 73.2% (about 7.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 97048 in Rainier, OR, a household would need roughly $100,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,340. That is about 34% above the local median household income ($74,453), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Rainier city, OR as Relatively Low (composite score 70.7), which is elevated versus much of the country. The strongest component scores on US5 are flood (68.2) and wildfire (30.5). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Rainier city, OR show little to no average snow and around 48.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 360 for ZIP 97048 (Rainier city, OR) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.