ZIP Code 98028 — Kenmore city, WA Demographics & Data

ZIP code 98028 covers Kenmore, WA in King County with a population of about 23,594.

At a glance, the area shows median age of 38.7 (near the U.S. median).

It sits in telephone area code 425; U.S. House district WA-1; the SEATTLE - TACOMA media market.

Kenmore, WA sits in a university / college context (near bastyr university (1.8 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 98028 is about $137,926 — about 84% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.0%; unemployment rate near 3.0%; 57.1% of adults with a bachelor’s degree or higher (about 23.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Retail trade; about 29.8% of workers reporting work-from-home (about 14.6 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 $869,800 — about 150% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,836 (about 58% above the U.S. median rent ($1,163)), and owner-occupancy near 69.7% (about 4.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 98028 in Kenmore, WA, a household would need roughly $239,000 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 $5,587. That is about 73% above the local median household income ($137,926), 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 Kenmore city, WA as Very High (composite score 99.7), which is among the highest nationally. The strongest component scores on US5 are flood (99.5) and wildfire (79.5). 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 Kenmore city, WA show little to no average snow and around 37.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,267 for ZIP 98028 (Kenmore city, WA) 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.