ZIP Code 98645 — undefined, WA Demographics & Data

ZIP code 98645 covers WA in Cowlitz County with a population of about 2,195.

At a glance, the area shows median age of 52.7 versus a U.S. median of about 38.9.

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

Median household income in ZIP 98645 is about $102,664 — about 37% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.4%; unemployment rate near 7.8%; 37.8% of adults with a bachelor’s degree or higher (about 4.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Education, and Transportation; about 5.7% of workers reporting work-from-home (about 9.5 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 $467,000 — about 34% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 93.8% (about 28.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 98645 in WA, a household would need roughly $129,000 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 $3,000. That is about 26% above the local median household income ($102,664), 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 WA as Relatively Moderate (composite score 90.3), which is among the highest nationally. The strongest component scores on US5 are flood (88.3) and wildfire (61.3). 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 WA show little to no average snow.

IRS migration statistics show a net inflow of about 118 for ZIP 98645 (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.