ZIP Code 98012 — Mill Creek city, WA Demographics & Data

ZIP code 98012 covers Mill Creek, WA in Snohomish County with a population of about 76,123.

At a glance, the area shows median age of 35.9 versus a U.S. median of about 38.9.

It sits in telephone area code 425; U.S. House district WA-1; the SEATTLE - TACOMA media market.

Mill Creek, WA aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 98012 is about $141,653 — about 88% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.8%; unemployment rate near 4.0%; 55.7% of adults with a bachelor’s degree or higher (about 22.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Retail trade; about 26.3% of workers reporting work-from-home (about 11.1 points above 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 $811,500 — about 133% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,137 (about 84% above the U.S. median rent ($1,163)), and owner-occupancy near 66.5% (about 1.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 98012 in Mill Creek, WA, a household would need roughly $223,000 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 $5,213. That is about 57% above the local median household income ($141,653), 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 Mill Creek city, WA as Relatively High (composite score 97.9), which is among the highest nationally. The strongest component scores on US5 are flood (95.7) and wildfire (61.5). 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 Mill Creek city, WA show little to no average snow and around 33.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 4,089 for ZIP 98012 (Mill Creek city, WA) 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.