ZIP Code 98946 — Thorp CDP, WA Demographics & Data

ZIP code 98946 covers Thorp, WA in Kittitas County with a population of about 303.

At a glance, the area shows median age of 53.3 versus a U.S. median of about 38.9.

It sits in telephone area code 509; U.S. House district WA-8; the YAKIMA - PASCO - RCHLND - KNNWCK media market.

Median household income in ZIP 98946 is about $120,250 — about 60% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.6%; unemployment rate near 3.8%; 31.2% of adults with a bachelor’s degree or higher (about 2.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Transportation, Education, and Agriculture; about 22.6% of workers reporting work-from-home (about 7.4 points above the U.S. share (15.2%)); a mean commute of about 120.0 minutes (U.S. average near 26.8).

Median home value is about $445,500 — about 28% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,316 (about 13% above the U.S. median rent ($1,163)), and owner-occupancy near 74.8% (about 9.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 98946 in Thorp, WA, a household would need roughly $123,000 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 $2,862. That is roughly in line with the local median household income ($120,250). 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 Thorp CDP, WA as Relatively Moderate (composite score 89.1), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (99.7) and flood (74.8). 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 Thorp CDP, WA show little to no average snow and around 9.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 16 for ZIP 98946 (Thorp 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.