ZIP Code 98550 — Hoquiam city, WA Demographics & Data

ZIP code 98550 covers Hoquiam, WA in Grays Harbor County with a population of about 12,274.

At a glance, the area shows median age of 41.3 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.

Median household income in ZIP 98550 is about $56,920 — about 24% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.6%; unemployment rate near 7.6%; 19.0% of adults with a bachelor’s degree or higher (about 14.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Education; about 7.7% of workers reporting work-from-home (about 7.5 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 $212,400 — about 39% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $809 (about 30% below the U.S. median rent ($1,163)), and owner-occupancy near 64.7% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 98550 in Hoquiam, WA, a household would need roughly $58,000 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 $1,364. That is roughly in line with the local median household income ($56,920). 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 Hoquiam city, WA as Relatively High (composite score 97.0), which is among the highest nationally. The strongest component scores on US5 are flood (83.8) and wildfire (33.9). 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 Hoquiam city, WA show little to no average snow and around 68.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 659 for ZIP 98550 (Hoquiam 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.