ZIP Code 99201 — Spokane city, WA Demographics & Data

ZIP code 99201 covers Spokane, WA in Spokane County with a population of about 14,432.

At a glance, the area shows median age of 41.1 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.

Spokane, WA sits in a university / college context (near spokane falls community college (1.6 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 99201 is about $35,286 — about 53% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 32.9%; unemployment rate near 9.4%; 33.6% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Food services; about 12.1% of workers reporting work-from-home (about 3.1 points below 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 $259,800 — about 25% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $786 (about 32% below the U.S. median rent ($1,163)), and owner-occupancy near 30.3% (about 35.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 99201 in Spokane, WA, a household would need roughly $72,000 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 $1,669. That is about 104% above the local median household income ($35,286), 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 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 city, WA show little to no average snow and around 16.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 775 for ZIP 99201 (Spokane 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.