ZIP Code 99039 — Waverly town, WA Demographics & Data

ZIP code 99039 covers Waverly, WA in Spokane County with a population of about 163.

At a glance, the area shows median age of 46.3 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 99039 is about $65,703 — about 13% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.2%; unemployment rate near 2.2%; 22.1% of adults with a bachelor’s degree or higher (about 11.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Healthcare, and Administrative support; about 2.2% of workers reporting work-from-home (about 13.0 points below the U.S. share (15.2%)); a mean commute of about 88.0 minutes (U.S. average near 26.8).

Median home value is about $191,700 — about 45% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $713 (about 39% below the U.S. median rent ($1,163)), and owner-occupancy near 82.0% (about 16.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 99039 in Waverly, WA, a household would need roughly $53,000 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 $1,231. That sits below the local median household income ($65,703), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Waverly town, 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 Waverly town, WA show little to no average snow and around 18.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 9 for ZIP 99039 (Waverly town, 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.