ZIP Code 83638 — McCall city, ID Demographics & Data

ZIP code 83638 covers McCall, ID in Valley County with a population of about 7,507.

At a glance, the area shows median age of 41.4 versus a U.S. median of about 38.9.

It sits in telephone area codes 208, 986; U.S. House district ID-1; the BOISE media market.

Median household income in ZIP 83638 is about $89,965 — about 20% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.1%; unemployment rate near 2.8%; 42.3% of adults with a bachelor’s degree or higher (about 8.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Construction, and Retail trade; about 25.0% of workers reporting work-from-home (about 9.8 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $685,300 — about 97% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,006 (about 13% below the U.S. median rent ($1,163)), and owner-occupancy near 84.7% (about 19.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 83638 in McCall, ID, a household would need roughly $189,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $4,402. That is about 110% above the local median household income ($89,965), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for McCall city, ID as Relatively Low (composite score 55.6), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (97.5) and flood (55.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for McCall city, ID show little to no average snow and around 23.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 494 for ZIP 83638 (McCall city, ID) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.