ZIP Code 98354 — Milton city, WA Demographics & Data

ZIP code 98354 covers Milton, WA in Pierce County with a population of about 8,432.

At a glance, the area shows median age of 38.0 (near the U.S. median).

It sits in telephone area code 253; U.S. House district WA-6; the SEATTLE - TACOMA media market.

Median household income in ZIP 98354 is about $90,361 — about 20% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.9%; unemployment rate near 5.8%; 23.3% of adults with a bachelor’s degree or higher (about 10.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Food services; about 8.3% of workers reporting work-from-home (about 6.9 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 $510,900 — about 47% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,851 (about 59% above the U.S. median rent ($1,163)), and owner-occupancy near 58.4% (about 7.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 98354 in Milton, WA, a household would need roughly $141,000 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 $3,282. That is about 56% above the local median household income ($90,361), 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 Milton city, 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 Milton city, WA show little to no average snow and around 40.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 453 for ZIP 98354 (Milton 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.