ZIP Code 98220 — Acme CDP, WA Demographics & Data

ZIP code 98220 covers Acme, WA in Whatcom County with a population of about 558.

At a glance, the area shows median age of 41.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 360, 564; U.S. House district WA-2; the SEATTLE - TACOMA media market.

Median household income in ZIP 98220 is about $142,891 — about 90% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.6%; unemployment rate near 0.0%; 26.1% of adults with a bachelor’s degree or higher (about 7.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Manufacturing, and Finance and insurance; a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $460,900 — about 32% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 87.4% (about 22.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 98220 in Acme, WA, a household would need roughly $127,000 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 $2,961. That sits below the local median household income ($142,891), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Acme CDP, WA as Relatively Moderate (composite score 91.0), which is among the highest nationally. The strongest component scores on US5 are flood (88.9) and wildfire (61.7). 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 Acme CDP, WA show little to no average snow and around 48.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 30 for ZIP 98220 (Acme 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.