ZIP Code 99004 — Cheney city, WA Demographics & Data

ZIP code 99004 covers Cheney, WA in Spokane County with a population of about 22,448.

At a glance, the area shows median age of 29.1 versus a U.S. median of about 38.9.

It sits in telephone area code 509; U.S. House district WA-5; the SPOKANE media market.

Median household income in ZIP 99004 is about $62,014 — about 17% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.6%; unemployment rate near 10.2%; 36.1% of adults with a bachelor’s degree or higher (about 2.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Retail trade; about 14.8% of workers reporting work-from-home (roughly in line with 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 $368,500 — about 6% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $914 (about 21% below the U.S. median rent ($1,163)), and owner-occupancy near 55.9% (about 9.5 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 99004 in Cheney, WA, a household would need roughly $101,000 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 $2,367. That is about 63% above the local median household income ($62,014), 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 Cheney city, WA as Relatively Moderate (composite score 90.0), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (96.6) and flood (91.6). 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 Cheney city, WA show little to no average snow and around 18.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,206 for ZIP 99004 (Cheney 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.