ZIP Code 99217 — Spokane city, WA Demographics & Data

ZIP code 99217 covers Spokane, WA in Spokane County with a population of about 19,893.

At a glance, the area shows median age of 38.9 (near the U.S. median).

It sits in telephone area code 509; U.S. House district WA-5; the SPOKANE media market.

Median household income in ZIP 99217 is about $71,807 — about 4% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.0%; unemployment rate near 5.8%; 25.0% of adults with a bachelor’s degree or higher (about 8.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Construction; about 13.5% of workers reporting work-from-home (about 1.7 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 $329,300 — about 5% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,147 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 67.9% (about 2.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 99217 in Spokane, WA, a household would need roughly $91,000 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 $2,115. That is about 27% above the local median household income ($71,807), 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 1,069 for ZIP 99217 (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.