ZIP Code 98686 — Mount Vista CDP, WA Demographics & Data

ZIP code 98686 covers Mount Vista, WA in Clark County with a population of about 20,553.

At a glance, the area shows median age of 42.2 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 98686 is about $101,866 — about 36% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.1%; unemployment rate near 4.8%; 37.2% of adults with a bachelor’s degree or higher (about 3.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Education; about 20.5% of workers reporting work-from-home (about 5.3 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 $546,100 — about 57% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,653 (about 42% above the U.S. median rent ($1,163)), and owner-occupancy near 76.2% (about 10.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 98686 in Mount Vista, WA, a household would need roughly $150,000 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 $3,508. That is about 47% above the local median household income ($101,866), 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 Mount Vista CDP, WA as Relatively Moderate (composite score 92.2), which is among the highest nationally. The strongest component scores on US5 are flood (92.6) and wildfire (69.6). 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 Mount Vista CDP, WA show little to no average snow and around 42.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,104 for ZIP 98686 (Mount Vista 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.