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 Low-density area
- $57,342
- Median income Below-median income area
- $261,600
- Median home value Near-median home value
- 20.4%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 98840 (Okanogan, WA) rose +15.0% from 2023 to 2024. The all-transactions index moved from 280.0 in 2023 to 321.9 in 2024 (2000 = 100).
ZIP code 98840 covers 1078.0 square miles in Okanogan, Okanogan County, Washington (a standard USPS delivery area), with a modest 4,851 residents on file, a density of 5 people per square mile, in the Los Angeles time zone.
ZIP 98840 reports a modest median household income of $57,342 (37% below the average Washington ZIP), while per-capita income is $33,175. The poverty rate is 12.9%, with unemployment at 4.1%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $261,600 (49% below the average Washington ZIP), and median rent is $981; owner occupancy is 68.5%.
Educational attainment sits below the national norm: 20.4% of adults hold a bachelor's degree or higher, the median age is 44.1, and the average commute is 18 minutes. No nearby ZIP peer set is available for this delivery area, so the Washington and national benchmarks above are the appropriate context for 98840.
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 98840
Top 5 sectors by establishment count in Okanogan, WA
Which industries have the most business establishments in ZIP 98840.
- Construction
Construction
19 establishments
- Retail trade
Retail trade
19 establishments
- Health care and social assistance
Health care and social assistance
12 establishments
- Wholesale trade
Wholesale trade
11 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
8 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 98840, Okanogan, 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
4,851
Population
1078.0
Area (sq mi)
5
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 98840?
44.1
Median Age
48.5%
Male
51.5%
Female
9.1%
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?
$57,342
Median Household Income
-37% vs state ZIP avg
$33,175
Per Capita Income
12.9%
Poverty Rate
4.1%
Unemployment Rate
17.8 min
Mean Commute Time
How ZIP 98840 ranks among Washington ZIPs
Okanogan, 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)
$57,342 11th percentile higher than 11% 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
2,235housing units
2,235
Total Housing Units
1,950
Occupied Units
285
Vacant Units
2.34
Avg Household Size
Occupancy Type
$261,600
Median Home Value
-49% vs state ZIP avg
$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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 98840, both outside WA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (4,851 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Okanogan County
Related Areas
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.
Related
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- See how ZIP 98840 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.