ZIP Code 98304 — Ashford CDP, WA Demographics & Data

ZIP code 98304 covers Ashford, WA in Pierce County with a population of about 867.

At a glance, the area shows median age of 54.7 versus a U.S. median of about 38.9.

It sits in telephone area codes 360, 564; U.S. House district WA-8; the SEATTLE - TACOMA media market.

Median household income in ZIP 98304 is about $77,234 — about 3% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 1.9%; unemployment rate near 2.9%; 29.9% of adults with a bachelor’s degree or higher (about 3.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Arts and entertainment, Education, and Food services; a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $241,300 — about 31% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 83.3% (about 17.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 98304 in Ashford, WA, a household would need roughly $66,000 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 $1,550. That sits below the local median household income ($77,234), 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 Ashford CDP, WA as Relatively High (composite score 98.5), which is among the highest nationally. The strongest component scores on US5 are flood (96.2) and wildfire (76.8). 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 Ashford CDP, WA show little to no average snow and around 116.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 47 for ZIP 98304 (Ashford 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.