ZIP Code 98365 — Port Ludlow CDP, WA Demographics & Data

ZIP code 98365 covers Port Ludlow, WA in Jefferson County with a population of about 5,178.

At a glance, the area shows median age of 64.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 360, 564; U.S. House district WA-6; the SEATTLE - TACOMA media market.

Port Ludlow, WA fits a retirement-oriented profile (high share of residents 65+ (49.3%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 98365 is about $98,393 — about 31% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.0%; unemployment rate near 6.1%; 45.0% of adults with a bachelor’s degree or higher (about 11.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Healthcare, and Professional services; about 23.2% of workers reporting work-from-home (about 8.0 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 $603,500 — about 73% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,730 (about 49% 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 98365 in Port Ludlow, WA, a household would need roughly $166,000 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 $3,877. That is about 69% above the local median household income ($98,393), 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 Port Ludlow CDP, WA as Relatively Low (composite score 64.4), which is near the middle of the national distribution. The strongest component scores on US5 are flood (53.7) and wildfire (23.5). 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 Port Ludlow CDP, WA show little to no average snow.

IRS migration statistics show a net inflow of about 278 for ZIP 98365 (Port Ludlow 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.