ZIP Code 98278 — Whidbey Island Station CDP, WA Demographics & Data

ZIP code 98278 covers Whidbey Island Station, WA in Island County with a population of about 2,178.

At a glance, the area shows median age of 22.0 versus a U.S. median of about 38.9.

It sits in telephone area codes 360, 564; U.S. House district WA-2; the SEATTLE - TACOMA media market.

Whidbey Island Station, WA reads as a military / base-oriented community on US5’s intent model (elevated veteran share (45.9%) and/or base-related place names). 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.

On socioeconomic markers, US5 shows a unemployment rate near 0.0%; 11.3% of adults with a bachelor’s degree or higher (about 22.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Information, and Arts and entertainment; about 0.4% of workers reporting work-from-home (about 14.8 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

FEMA’s National Risk Index rates natural-hazard risk for Whidbey Island Station CDP, WA as Relatively Low (composite score 78.0), which is elevated versus much of the country. The strongest component scores on US5 are flood (54.9) and wildfire (35.4). 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 Whidbey Island Station CDP, WA show little to no average snow and around 19.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 117 for ZIP 98278 (Whidbey Island Station CDP, 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.