ZIP Code 99016 — Spokane Valley city, WA Demographics & Data

ZIP code 99016 covers Spokane Valley, WA in Spokane County with a population of about 20,260.

At a glance, the area shows median age of 39.2 (near the U.S. median).

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

Median household income in ZIP 99016 is about $94,253 — about 25% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.3%; unemployment rate near 3.3%; 37.7% of adults with a bachelor’s degree or higher (about 4.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 19.9% of workers reporting work-from-home (about 4.7 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 $450,000 — about 29% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,538 (about 32% above the U.S. median rent ($1,163)), and owner-occupancy near 75.5% (about 10.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 99016 in Spokane Valley, WA, a household would need roughly $124,000 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 $2,891. That is about 32% above the local median household income ($94,253), 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 Spokane Valley 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 Spokane Valley city, WA show little to no average snow and around 17.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,088 for ZIP 99016 (Spokane Valley 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.