ZIP Code 98531 — Centralia city, WA Demographics & Data

ZIP code 98531 covers Centralia, WA in Lewis County with a population of about 27,356.

At a glance, the area shows median age of 38.4 (near the U.S. median).

It sits in telephone area codes 360, 564; U.S. House district WA-3; the SEATTLE - TACOMA media market.

Median household income in ZIP 98531 is about $61,963 — about 18% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.0%; unemployment rate near 4.9%; 21.1% of adults with a bachelor’s degree or higher (about 12.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Construction; about 5.5% of workers reporting work-from-home (about 9.6 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 $285,700 — about 18% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $932 (about 20% below the U.S. median rent ($1,163)), and owner-occupancy near 64.9% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 98531 in Centralia, WA, a household would need roughly $79,000 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 $1,835. That is about 27% above the local median household income ($61,963), 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 Centralia city, WA as Relatively Moderate (composite score 89.7), which is elevated versus much of the country. The strongest component scores on US5 are flood (90.9) and wildfire (76.7). 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 Centralia city, WA show little to no average snow and around 41.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,469 for ZIP 98531 (Centralia 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.