ZIP Code 99146 — Laurier CDP, WA Demographics & Data

ZIP code 99146 covers Laurier, WA in Ferry County with a population of about 38.

At a glance, the area shows median age of 70.1 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.

Laurier, WA fits a retirement-oriented profile (high share of residents 65+ (86.8%)). 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 99146 is about $140,962 — about 88% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; 23.7% of adults with a bachelor’s degree or higher (about 10.0 points below the national share (33.7%)).

Median home value is about $666,700 — about 92% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 99146 in Laurier, WA, a household would need roughly $184,000 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 $4,283. That is about 31% above the local median household income ($140,962), 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 Laurier CDP, WA as Relatively Low (composite score 51.7), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (97.4) and flood (52.3). 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 Laurier CDP, WA show little to no average snow and around 20.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2 for ZIP 99146 (Laurier 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.