ZIP Code 99150 — Malo CDP, WA Demographics & Data

ZIP code 99150 covers Malo, WA in Ferry County with a population of about 296.

At a glance, the area shows median age of 65.5 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.

Malo, WA fits a retirement-oriented profile (high share of residents 65+ (50.0%)). 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 99150 is about $73,250 — about 3% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.4%; unemployment rate near 0.0%; 17.8% of adults with a bachelor’s degree or higher (about 15.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Mining, and Transportation; about 41.6% of workers reporting work-from-home (about 26.4 points above the U.S. share (15.2%)); a mean commute of about 52.0 minutes (U.S. average near 26.8).

Median home value is about $380,300 — about 9% 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 99150 in Malo, WA, a household would need roughly $105,000 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 $2,443. That is about 43% above the local median household income ($73,250), 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 Malo 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 Malo CDP, WA show little to no average snow and around 18.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 16 for ZIP 99150 (Malo 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.