PlainZIP

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
$83,000
Median income
$579,000
Median home value
59.6%
Bachelor's or higher

The verdict

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 classified by USPS as a standard delivery area and covers roughly 23.9 square miles in Lummi Island, Whatcom County, Washington. The area is home to 964 residents, producing a population density of 40 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 98262 against Washington and the nation.

On the economic side, the median household income for ZIP 98262 sits at $83,000 (9% below the Washington average), while per-capita income is $52,853. The poverty rate stands at 7.3% and the unemployment rate at 3.0%. On housing, the median home value is $579,000 (13% above the state average) with median rent at — per month, and 88.9% of occupied units are owner-occupied, a direct signal of whether 98262 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 59.6% of adults hold a bachelor's degree or higher, the median age is 61.1, and the average commute is —. We also surface 2 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Whatcom County, so you can benchmark 98262 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 98262

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 98262.

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 98262, Lummi Island, 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

964

Population

23.9

Area (sq mi)

40

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 98262?

61.1

Median Age

51.3%

Male

48.7%

Female

7.4%

Foreign-Born

White 84.6%
African American 0.5%
Asian 3.4%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.9%
Hispanic or Latino 6.3%

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

$52,853

Per Capita Income

7.3%

Poverty Rate

3.0%

Unemployment Rate

How ZIP 98262 ranks nationally

Household income vs. every US ZIP code

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

$83,000 Top 34% higher than 66% 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%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $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 69.0%
Bachelor's Degree or Higher 59.6%

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

What does housing look like?

860

Total Housing Units

458

Occupied Units

402

Vacant Units

2.09

Avg Household Size

Occupancy Type

Owner 88.9%
Renter 11.1%

$579,000

Median Home Value

+13% vs state

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.

residents

What this shows Among its immediate neighbors, ZIP 98262 ranks the most populous — useful context the national average alone can't give.

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

ZIP 98262 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 98262 ranks #2 of 3 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
98279 Olga, WA 608 7.4 mi
98222 Blakely Island, WA 33 11.1 mi

More ZIP Codes in Whatcom County

98225 standard
Bellingham, WA
Pop: 46,172
98226 standard
Bellingham, WA
Pop: 41,235
98229 standard
Bellingham, WA
Pop: 30,321
98248 standard
Ferndale, WA
Pop: 22,361
98264 standard
Lynden, WA
Pop: 18,893
98230 standard
Blaine, WA
Pop: 15,710

Related Areas

Whatcom County Lummi Island, WA Washington

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.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Lummi Island, WA

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

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

Read our methodology to see how this data is sourced, computed, and verified.