ZIP Code 99174 — Steptoe CDP, WA Demographics & Data

ZIP code 99174 covers Steptoe, WA in Whitman County with a population of about 70.

At a glance, the area shows median age of 44.5 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.

Median household income in ZIP 99174 is about $48,929 — about 35% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.9%; unemployment rate near 0.0%; 20.8% of adults with a bachelor’s degree or higher (about 13.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Agriculture, and Professional services; about 8.0% of workers reporting work-from-home (about 7.2 points below the U.S. share (15.2%)); a mean commute of about 23.0 minutes (U.S. average near 26.8).

Median home value is about $225,000 — about 35% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 71.4% (about 6.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 99174 in Steptoe, WA, a household would need roughly $62,000 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 $1,445. That is about 27% above the local median household income ($48,929), 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 Steptoe CDP, WA as Very Low (composite score 39.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (68.3) and flood (58.8). 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 Steptoe CDP, WA show little to no average snow and around 17.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 4 for ZIP 99174 (Steptoe 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.