PlainZIP

Okanogan, WA · standard

ZIP Code 98840

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

4,851
5/sq mi
$57,342
Median income
$261,600
Median home value
20.4%
Bachelor's or higher

The verdict

Okanogan pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.

25th pct
household income, US ZIPs
Top 40%
home value, US ZIPs
5
people per sq mi
69%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 98840 against every reporting US ZIP.

ZIP code 98840 is classified by USPS as a standard delivery area and covers roughly 1078.0 square miles in Okanogan, Okanogan County, Washington. The area is home to 4,851 residents, producing a population density of 5 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 98840 against Washington and the nation.

On the economic side, the median household income for ZIP 98840 sits at $57,342 (37% below the Washington average), while per-capita income is $33,175. The poverty rate stands at 12.9% and the unemployment rate at 4.1%. On housing, the median home value is $261,600 (49% below the state average) with median rent at $981 per month, and 68.5% of occupied units are owner-occupied, a direct signal of whether 98840 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 20.4% of adults hold a bachelor's degree or higher, the median age is 44.1, and the average commute is 18 minutes. Use the benchmarks above to see where 98840 sits relative to Washington and the national baseline rather than viewing the numbers in isolation. 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 98840

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 98840.

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 98840, Okanogan, 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

4,851

Population

1078.0

Area (sq mi)

5

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 98840?

44.1

Median Age

48.5%

Male

51.5%

Female

9.1%

Foreign-Born

White 69.9%
African American 0.8%
Asian 0.0%
American Indian or Alaska Native 3.5%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 19.9%
Hispanic or Latino 17.5%

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?

$57,342

Median Household Income

-37% vs state

$33,175

Per Capita Income

12.9%

Poverty Rate

4.1%

Unemployment Rate

17.8 min

Mean Commute Time

How ZIP 98840 ranks nationally

Household income vs. every US ZIP code

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

$57,342 25th percentile higher than 25% 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%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $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 55.0%
Bachelor's Degree or Higher 20.4%

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

What does housing look like?

2,235

Total Housing Units

1,950

Occupied Units

285

Vacant Units

2.34

Avg Household Size

Occupancy Type

Owner 68.5%
Renter 31.5%

$261,600

Median Home Value

-49% vs state

$981

Median Rent

1973

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

+15.0%

YoY Change (2024)

322

HPI Index (2000 = 100)

+222%

Total Change Since 2000

Home values in ZIP 98840 have increased 15.0% over the past year (2024). Since 2000, this ZIP has seen +222% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.0% 187
2021 +19.0% 222
2022 +13.4% 252
2023 +11.0% 280
2024 +15.0% 322

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 113 business establishments in ZIP 98840, employing approximately 761 people with a combined annual payroll of $34,882,000.

113

Businesses

761

Employees

$34.9M

Annual Payroll

12

Industry Sectors

Industry Establishments % of Total
Construction 19 16.8%
Retail trade 19 16.8%
Health care and social assistance 12 10.6%
Wholesale trade 11 9.7%
Professional, scientific, and technical services 8 7.1%
Accommodation and food services 8 7.1%
Other services (except public administration) 8 7.1%
Administrative and support and waste management and remediation services 7 6.2%
Transportation and warehousing 4 3.5%
Finance and insurance 4 3.5%
Real estate and rental and leasing 4 3.5%
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.

More ZIP Codes in Okanogan County

98841 standard
Omak, WA
Pop: 9,197
98855 standard
Tonasket, WA
Pop: 5,863
98812 standard
Brewster, WA
Pop: 4,899
98844 standard
Oroville, WA
Pop: 4,740
98856 standard
Twisp, WA
Pop: 2,464
98862 standard
Winthrop, WA
Pop: 2,218

Related Areas

Okanogan County Okanogan, WA Washington

Frequently Asked Questions

What county is ZIP code 98840 in? ▼
ZIP code 98840 (Okanogan) is located in Okanogan County, Washington. Okanogan County contains multiple ZIP codes, see the full list at /counties/okanogan-wa.
What is the population of ZIP code 98840? ▼
ZIP code 98840 in Okanogan, WA has a population of 4,851 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 98840? ▼
The median household income in ZIP 98840 is $57,342, which is 25% below the national average of $76,288.
What is the average home value in ZIP 98840? ▼
The median home value in ZIP 98840 is $261,600, which is 6% below the national average of $278,155.
What is the demographic makeup of ZIP 98840? ▼
The largest racial group in ZIP 98840 is White at 69.9%. Hispanic or Latino residents make up 17.5% of the population.
How many businesses are in ZIP code 98840? ▼
ZIP code 98840 has 113 business establishments employing approximately 761 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 98840? ▼
The top industries by establishment count in ZIP 98840 are: Construction (19), Retail trade (19), Health care and social assistance (12). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 98840? ▼
According to the FHFA House Price Index, home values in ZIP 98840 increased by 15.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 222%. 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 98840? ▼
In ZIP code 98840, 55.0% of residents aged 25+ have a high school diploma or higher, and 20.4% 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 98840? ▼
The mean commute time for workers in ZIP code 98840 is 17.8 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 98840? ▼
In ZIP code 98840, approximately 68.5% of occupied housing units are owner-occupied and 31.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 98840? ▼
The poverty rate in ZIP code 98840 is 12.9% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

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 Okanogan, 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.