ZIP Code 89421 — Fort McDermitt CDP, OR Demographics & Data

ZIP code 89421 covers Fort McDermitt, OR in Malheur County with a population of about 405.

At a glance, the area shows median age of 48.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 458, 541, 775; U.S. House district OR-2; the RENO media market.

Fort McDermitt, OR reads as a military / base-oriented community on US5’s intent model (base-related place names in city/county context). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 89421 is about $17,500 — about 77% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 52.1%; unemployment rate near 11.6%; 6.6% of adults with a bachelor’s degree or higher (about 27.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Education; about 10.7% of workers reporting work-from-home (about 4.5 points below the U.S. share (15.2%)); a mean commute of about 133.0 minutes (U.S. average near 26.8).

Median home value is about $80,400 — about 77% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 81.0% (about 15.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 89421 in Fort McDermitt, OR, a household would need roughly $22,000 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 $516. That is about 26% above the local median household income ($17,500), 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 Fort McDermitt CDP, OR as Very Low (composite score 34.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (91.4) and flood (52.0). 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 Fort McDermitt CDP, OR show little to no average snow and around 7.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 21 for ZIP 89421 (Fort McDermitt CDP, OR) 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.