ZIP Code 98850 — Rock Island city, WA Demographics & Data

ZIP code 98850 covers Rock Island, WA in Douglas County with a population of about 1,825.

At a glance, the area shows median age of 37.0 versus a U.S. median of about 38.9.

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

Median household income in ZIP 98850 is about $76,250 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.5%; unemployment rate near 1.3%; 6.4% of adults with a bachelor’s degree or higher (about 27.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Healthcare, and Manufacturing; about 4.4% of workers reporting work-from-home (about 10.8 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 $331,100 — about 5% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $985 (about 15% below the U.S. median rent ($1,163)), and owner-occupancy near 80.6% (about 15.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 98850 in Rock Island, WA, a household would need roughly $91,000 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 $2,127. That is about 19% above the local median household income ($76,250), 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 Rock Island city, WA as Relatively Low (composite score 74.1), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (94.7) and flood (82.1). 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 Rock Island city, WA show little to no average snow and around 7.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 98 for ZIP 98850 (Rock Island 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.