ZIP Code 98077 — Cottage Lake CDP, WA Demographics & Data

ZIP code 98077 covers Cottage Lake, WA in King County with a population of about 14,407.

At a glance, the area shows median age of 44.0 versus a U.S. median of about 38.9.

It sits in telephone area code 425; U.S. House district WA-8; the SEATTLE - TACOMA media market.

Cottage Lake, 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 98077 is about $179,625 — about 139% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.8%; unemployment rate near 4.5%; 63.3% of adults with a bachelor’s degree or higher (about 29.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Manufacturing, and Retail trade; about 27.3% of workers reporting work-from-home (about 12.1 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 $1,131,500 — about 225% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,141 (about 84% above the U.S. median rent ($1,163)), and owner-occupancy near 91.4% (about 26.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 98077 in Cottage Lake, WA, a household would need roughly $311,000 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 $7,268. That is about 73% above the local median household income ($179,625), 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 Cottage Lake CDP, WA as Very High (composite score 99.7), which is among the highest nationally. The strongest component scores on US5 are flood (99.5) and wildfire (79.5). 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 Cottage Lake CDP, WA show little to no average snow and around 50.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 774 for ZIP 98077 (Cottage Lake CDP, 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.