ZIP Code 98846 — Pateros city, WA Demographics & Data

ZIP code 98846 covers Pateros, WA in Okanogan County with a population of about 1,313.

At a glance, the area shows median age of 38.6 (near the U.S. median).

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

Median household income in ZIP 98846 is about $79,972 — about 6% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.5%; unemployment rate near 5.9%; 17.4% of adults with a bachelor’s degree or higher (about 16.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Construction, and Manufacturing; about 13.2% of workers reporting work-from-home (about 2.0 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 $314,900 — about 10% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $769 (about 34% below the U.S. median rent ($1,163)), and owner-occupancy near 88.6% (about 23.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 98846 in Pateros, WA, a household would need roughly $87,000 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 $2,023. That is roughly in line with the local median household income ($79,972). 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 Pateros city, WA as Relatively Moderate (composite score 89.2), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (99.3) and flood (89.1). 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 Pateros city, WA show little to no average snow.

IRS migration statistics show a net inflow of about 71 for ZIP 98846 (Pateros 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.