Lummi Island, WA · standard
ZIP Code 98262
Whatcom County, Washington - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 964
- 40/sq mi Moderate-density area
- $83,000
- Median income Near-median income area
- $579,000
- Median home value Above-median home value
- 59.6%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Lummi Island pairs an above-median household income with top-decile home values, in a rural, homeowner-dominated area.
- Top 34%
- household income, US ZIPs
- Top 10%
- home value, US ZIPs
- 40
- people per sq mi
- 89%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 98262 against every reporting US ZIP.
ZIP code 98262 is a sparsely populated ZIP (a standard USPS delivery area) in Lummi Island, Whatcom County, Washington, home to just 964 residents across 23.9 square miles, a density of 40 people per square mile, in the Los Angeles time zone.
ZIP 98262 lands in the middle-income range, with a median household income of $83,000 (9% below the average Washington ZIP), while per-capita income is $52,853. Both reported hardship measures are comparatively low in absolute terms: poverty is 7.3% and unemployment is 3.0%. Median home value is $579,000 (13% above the average Washington ZIP); 88.9% of occupied homes are owner-occupied.
This is a highly-educated ZIP: 59.6% of adults hold a bachelor's degree or higher, the median age is 61.1, and the average commute is -. The page also surfaces 2 ZIP codes within roughly 10 miles and 6 more in Whatcom County, so 98262 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 98262
Top 5 sectors by establishment count in Lummi Island, WA
Which industries have the most business establishments in ZIP 98262.
- Construction
Construction
9 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
7 establishments
- Other services (except public administration)
Other services (except public administration)
4 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 98262, Lummi Island, WA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
964
Population
23.9
Area (sq mi)
40
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 98262?
61.1
Median Age
51.3%
Male
48.7%
Female
7.4%
Foreign-Born
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?
$83,000
Median Household Income
-9% vs state ZIP avg
$52,853
Per Capita Income
7.3%
Poverty Rate
3.0%
Unemployment Rate
How ZIP 98262 ranks among Washington ZIPs
Lummi Island, WA household income vs. every Washington ZIP code
Median household income among 547 reporting Washington ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$83,000 48th percentile higher than 48% of 547 Washington ZIPs
Each bar is a $20K-wide band; taller bars hold more Washington 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
860housing units
860
Total Housing Units
458
Occupied Units
402
Vacant Units
2.09
Avg Household Size
Occupancy Type
$579,000
Median Home Value
+13% vs state ZIP avg
1979
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+29.3%
YoY Change (2022)
355
HPI Index (2000 = 100)
+255%
Total Change Since 2000
Home values in ZIP 98262 have increased 29.3% over the past year (2022). Since 2000, this ZIP has seen +255% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2018 | -8.2% | 198 |
| 2019 | +11.5% | 220 |
| 2020 | +6.4% | 234 |
| 2021 | +17.2% | 275 |
| 2022 | +29.3% | 355 |
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 2022. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 34 business establishments in ZIP 98262, employing approximately 72 people with a combined annual payroll of $2,643,000.
34
Businesses
72
Employees
$2.6M
Annual Payroll
3
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 9 | 26.5% |
| Professional, scientific, and technical services | 7 | 20.6% |
| Other services (except public administration) | 4 | 11.8% |
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 98262 vs 98279 →
ZIP 98262 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 98262
Lummi Island (98262)
964 residents
- 98279
Olga (98279)
608 residents
- 98222 33
Blakely Island (98222)
33 residents
What this shows Among its immediate neighbors, ZIP 98262 ranks the most populous - useful context the national average alone can't give.
ZIP 98262 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 98222
Blakely Island (98222)
$106,333 median income
- 98262
Lummi Island (98262)
$83,000 median income
- 98279
Olga (98279)
$70,417 median income
What this shows By household income, ZIP 98262 ranks #2 of 3 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 98262, both outside WA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Whatcom County
Related Areas
Frequently Asked Questions
What county is ZIP code 98262 in?
ZIP code 98262 (Lummi Island) is located in Whatcom County, Washington. Whatcom County contains multiple ZIP codes, see the full list at /counties/whatcom-wa.
What is the population of ZIP code 98262?
ZIP code 98262 in Lummi Island, WA has a population of 964 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 98262?
The median household income in ZIP 98262 is $83,000, which is 9% above the national average of $76,288.
What is the average home value in ZIP 98262?
The median home value in ZIP 98262 is $579,000, which is 108% above the national average of $278,155.
What is the demographic makeup of ZIP 98262?
The largest racial group in ZIP 98262 is White at 84.6%. Hispanic or Latino residents make up 6.3% of the population.
How many businesses are in ZIP code 98262?
ZIP code 98262 has 34 business establishments employing approximately 72 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 98262?
The top industries by establishment count in ZIP 98262 are: Construction (9), Professional, scientific, and technical services (7), Other services (except public administration) (4). There are 3 industry sectors represented in total.
How have home values changed in ZIP code 98262?
According to the FHFA House Price Index, home values in ZIP 98262 increased by 29.3% in 2022. Since 2000, home values in this ZIP have appreciated by approximately 255%. 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 98262?
In ZIP code 98262, 69.0% of residents aged 25+ have a high school diploma or higher, and 59.6% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 98262?
In ZIP code 98262, approximately 88.9% of occupied housing units are owner-occupied and 11.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 98262?
The poverty rate in ZIP code 98262 is 7.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 98262's numbers, next.
- See how ZIP 98262 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Lummi Island, WA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.