Residential delivery area · Washington
ZIP Code 98281: Point Roberts, WA
ZIP code 98281 is in Point Roberts, Washington, entirely in Whatcom County (Census 2020 ZIP-county file). About 1,300 people live there (Census Bureau, ACS 2020-2024). Median household income is $78,125 (Census Bureau, ACS 2020-2024).
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Point Roberts · its only residential ZIP
- County
- Whatcom County
- Census places
- Point Roberts census-designated place
- Metro area
- Bellingham, WA
- House district
- WA-2 119th Congress
- State
- Washington
- Time zone
- Pacific
- Land area
- 4.9 sq mi · 264 people per sq mi
Where is ZIP code 98281?
98281 centers on 48.985°, -123.059° and covers 4.9 square miles of land plus 0.4 of water.
The map draws ZIP code areas only. For the streets inside 98281, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 98281 compare with the rest of Whatcom County?
| Measure | 98281 | In Whatcom County | In WA |
|---|---|---|---|
| People (ACS 2020-2024) | 1,288 | 15th of 18 | 400th of 605 |
| Median household income | $78k | 11th of 14 | 257th of 363 |
| Median home value | $484k | 10th of 15 | 204th of 392 |
Its median household income is higher than in 59% of U.S. residential ZIP codes, and it is denser than 66% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 98281?
The 2020 Census counted 1,191 people in 98281; the ACS, which samples households over 2020-2024, estimates 1,288. Between the 2010 and 2020 censuses its population fell 9.4% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 1,288±173 (90% margin)
- 2020 Census count
- 1,191−9.4% since 2010 (1,314)
- Households
- 743
- Median age
- 58.2
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 98281?
Of the 1,288 people the ACS estimates in 98281, 7.5% are under 18 and 31.8% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (81.1%).
- Under 187.5%
- 18 to 6460.7%
- 65 and older31.8%
- White, not Hispanic81.1%
- Asian, not Hispanic7.5%
- Other or two or more6.8%
- Hispanic or Latino4.6%
- Black, not Hispanic0.0%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 98281 earn?
Median household income is $78,125 (ACS 2020-2024), the 11th highest of the 14 ranked ZIP codes in Whatcom County. It rose from $53,386 in 2015-2019 (in 2024 dollars), a change larger than the surveys' margins of error.
- Median household income
- $78,125±$13,206
- Income per person
- $85,419
- Below the poverty line
- 14.9%
- Unemployed (of the labor force)
- 2.4%
- Adults 25+ with a bachelor's degree
- 44.7%
- Adjusted gross income per tax return, 2022
- $109,196730 returns; wages 57% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 98281?
FHFA's house price index for 98281, built from repeat sales and appraisals of the same homes, rose 90% from 2015 to 2025 and rose 58% from 2020 to 2025, and moved +5.5% in 2025.
- Median home value (owners' estimate)
- $483,900
- Median gross rent
- $1,095
- Homes owned by their occupants
- 86.3%
- Housing units
- 2,105
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 98281?
59 business establishments had a location in this ZIP code in 2023, 4 fewer than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction10
- Real estate and rental and leasing8
- Professional, scientific, and technical services8
- Retail trade7
- Administrative and support and waste management and remediation services6
- Accommodation and food services4
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 98281?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 98230 | Blaine | 18,744 | $87k | 16.2 mi (near) |
| 98297 | Waldron | 47 | $46k | 19.6 mi (near) |
| 98240 | Custer | 3,593 | $110k | 20.1 mi (near) |
| 98248 | Ferndale | 28,498 | $91k | 21.4 mi (near) |
| 98245 | Eastsound | 4,265 | $96k | 22.8 mi (near) |
| 98243 | Deer Harbor | 327 | $139k | 25.7 mi (near) |
| 98262 | Lummi Island | 957 | $83k | 26.3 mi (near) |
| 98279 | Olga | 680 | $70k | 26.4 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.