ZIP Code 98855 — Tonasket city, WA Demographics & Data

ZIP code 98855 covers Tonasket, WA in Okanogan County with a population of about 5,615.

At a glance, the area shows median age of 45.3 versus a U.S. median of about 38.9.

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

Median household income in ZIP 98855 is about $51,063 — about 32% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.9%; unemployment rate near 6.0%; 22.8% of adults with a bachelor’s degree or higher (about 10.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Healthcare, and Education; about 8.3% of workers reporting work-from-home (about 6.9 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 $230,100 — about 34% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $684 (about 41% below the U.S. median rent ($1,163)), and owner-occupancy near 71.1% (about 5.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 98855 in Tonasket, WA, a household would need roughly $63,000 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 $1,478. That is about 23% above the local median household income ($51,063), 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 Tonasket 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 Tonasket city, WA show little to no average snow and around 17.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 302 for ZIP 98855 (Tonasket 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.