ZIP Code 98923 — Cowiche CDP, WA Demographics & Data

ZIP code 98923 covers Cowiche, WA in Yakima County with a population of about 1,027.

At a glance, the area shows median age of 56.8 versus a U.S. median of about 38.9.

It sits in telephone area code 509; U.S. House district WA-4; the YAKIMA - PASCO - RCHLND - KNNWCK media market.

Cowiche, WA fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 98923 is about $45,409 — about 40% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.2%; unemployment rate near 7.1%; 32.0% of adults with a bachelor’s degree or higher (about 1.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Wholesale trade, and Agriculture; about 19.3% of workers reporting work-from-home (about 4.1 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 $228,300 — about 34% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $738 (about 37% below the U.S. median rent ($1,163)), and owner-occupancy near 49.1% (about 16.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 98923 in Cowiche, 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 $1,467. That is about 39% above the local median household income ($45,409), 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 Cowiche CDP, WA as Relatively Moderate (composite score 94.0), which is among the highest nationally. The strongest component scores on US5 are wildfire (98.9) and flood (92.9). 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 Cowiche CDP, WA show little to no average snow and around 8.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 55 for ZIP 98923 (Cowiche 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.