Bow, WA · standard

ZIP Code 98232

Skagit County, Washington — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

3,920
28/sq mi
$104,559
Median income
$782,200
Median home value
35.9%
Bachelor's or higher

The verdict

Bow pairs an upper-quartile household income with top-decile home values, in a rural, homeowner-dominated area.

Top 16%
household income, US ZIPs
Top 5%
home value, US ZIPs
28
people per sq mi
90%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 98232 against every reporting US ZIP.

ZIP code 98232 is classified by USPS as a standard delivery area and covers roughly 138.5 square miles in Bow, Skagit County, Washington. The area is home to 3,920 residents, producing a population density of 28 people per square mile, and falls within the Los Angeles time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 98232 against Washington and the nation.

On the economic side, the median household income for ZIP 98232 sits at $104,559 (15% above the Washington average), while per-capita income is $52,697. The poverty rate stands at 2.9% and the unemployment rate at 2.3%. On housing, the median home value is $782,200 (53% above the state average) with median rent at $1,640 per month, and 90.0% of occupied units are owner-occupied, a direct signal of whether 98232 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 35.9% of adults hold a bachelor's degree or higher, the median age is 50.9, and the average commute is 27 minutes. We also surface 3 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Skagit County, so you can benchmark 98232 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 98232

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 98232.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 98232, Bow, WA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

3,920

Population

138.5

Area (sq mi)

28

People / sq mi

Los Angeles

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 98232?

50.9

Median Age

51.5%

Male

48.5%

Female

6.7%

Foreign-Born

White 87.5%
African American 0.0%
Asian 1.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 7.9%
Hispanic or Latino 7.4%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$104,559

Median Household Income

+15% vs state

$52,697

Per Capita Income

2.9%

Poverty Rate

2.3%

Unemployment Rate

26.7 min

Mean Commute Time

How ZIP 98232 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$104,559 Top 16% higher than 84% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 59.0%
Bachelor's Degree or Higher 35.9%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

1,799

Total Housing Units

1,576

Occupied Units

223

Vacant Units

2.55

Avg Household Size

Occupancy Type

Owner 90.0%
Renter 10.0%

$782,200

Median Home Value

+53% vs state

$1,640

Median Rent

1981

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

-2.1%

YoY Change (2024)

383

HPI Index (2000 = 100)

+283%

Total Change Since 2000

Home values in ZIP 98232 have decreased 2.1% over the past year (2024). Since 2000, this ZIP has seen +283% cumulative appreciation.

Year Annual Change HPI Index
2020 +8.5% 236
2021 +11.8% 264
2022 +28.4% 339
2023 +15.7% 392
2024 -2.1% 383

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 117 business establishments in ZIP 98232, employing approximately 863 people with a combined annual payroll of $42,327,000.

117

Businesses

863

Employees

$42.3M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Construction 31 26.5%
Accommodation and food services 19 16.2%
Professional, scientific, and technical services 12 10.3%
Other services (except public administration) 10 8.6%
Administrative and support and waste management and remediation services 7 6.0%
Manufacturing 6 5.1%
Retail trade 6 5.1%
Agriculture, forestry, fishing and hunting 5 4.3%
Real estate and rental and leasing 5 4.3%
Wholesale trade 3 2.6%
Transportation and warehousing 3 2.6%
Health care and social assistance 3 2.6%
Arts, entertainment, and recreation 3 2.6%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 98232 vs 98233 →

ZIP 98232 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 98232 ranks #4 by population — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 98232 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 98232 ranks the highest of 4 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
98233 Burlington, WA 14,871 5.2 mi
98229 Bellingham, WA 30,321 9.0 mi
98257 La Conner, WA 4,134 11.2 mi

More ZIP Codes in Skagit County

Frequently Asked Questions

What county is ZIP code 98232 in?
ZIP code 98232 (Bow) is located in Skagit County, Washington. Skagit County contains multiple ZIP codes, see the full list at /counties/skagit-wa.
What is the population of ZIP code 98232?
ZIP code 98232 in Bow, WA has a population of 3,920 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 98232?
The median household income in ZIP 98232 is $104,559, which is 37% above the national average of $76,288.
What is the average home value in ZIP 98232?
The median home value in ZIP 98232 is $782,200, which is 181% above the national average of $278,155.
What is the demographic makeup of ZIP 98232?
The largest racial group in ZIP 98232 is White at 87.5%. Hispanic or Latino residents make up 7.4% of the population.
How many businesses are in ZIP code 98232?
ZIP code 98232 has 117 business establishments employing approximately 863 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 98232?
The top industries by establishment count in ZIP 98232 are: Construction (31), Accommodation and food services (19), Professional, scientific, and technical services (12). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 98232?
According to the FHFA House Price Index, home values in ZIP 98232 decreased by 2.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 283%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 98232?
In ZIP code 98232, 59.0% of residents aged 25+ have a high school diploma or higher, and 35.9% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 98232?
The mean commute time for workers in ZIP code 98232 is 26.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 98232?
In ZIP code 98232, approximately 90.0% of occupied housing units are owner-occupied and 10.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 98232?
The poverty rate in ZIP code 98232 is 2.9% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Official Data Resources for Bow, WA

Verify and explore additional data for this area using these official government sources.