ZIP Code 99202 — Spokane city, WA Demographics & Data

ZIP code 99202 covers Spokane, WA in Spokane County with a population of about 19,956.

At a glance, the area shows median age of 32.7 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 gonzaga university (1.2 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 99202 is about $61,323 — about 18% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 25.0%; unemployment rate near 9.6%; 32.9% 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 Healthcare, Education, and Professional services; about 16.3% of workers reporting work-from-home (about 1.1 points above 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 $268,700 — about 23% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $961 (about 17% below the U.S. median rent ($1,163)), and owner-occupancy near 48.4% (about 17.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 99202 in Spokane, WA, a household would need roughly $74,000 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 $1,726. That is about 21% above the local median household income ($61,323), 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 17.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,072 for ZIP 99202 (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.