ZIP Code 98650 — Trout Lake CDP, WA Demographics & Data

ZIP code 98650 covers Trout Lake, WA in Klickitat County with a population of about 1,332.

At a glance, the area shows median age of 44.0 versus a U.S. median of about 38.9.

It sits in telephone area code 509; U.S. House district WA-4; the PORTLAND, OR media market.

Median household income in ZIP 98650 is about $86,422 — about 15% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 20.9%; unemployment rate near 0.0%; 34.8% of adults with a bachelor’s degree or higher (about 1.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Agriculture, and Education; about 15.6% of workers reporting work-from-home (roughly in line with 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 $669,500 — about 92% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,179 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 84.0% (about 18.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 98650 in Trout Lake, WA, a household would need roughly $184,000 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 $4,301. That is about 113% above the local median household income ($86,422), 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 Trout Lake CDP, WA as Relatively Low (composite score 73.9), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (98.4) and flood (66.6). 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 Trout Lake CDP, WA show little to no average snow.

IRS migration statistics show a net inflow of about 72 for ZIP 98650 (Trout Lake 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.