ZIP Code 98295 — Sumas city, WA Demographics & Data

ZIP code 98295 covers Sumas, WA in Whatcom County with a population of about 3,135.

At a glance, the area shows median age of 37.3 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.

Median household income in ZIP 98295 is about $96,337 — about 28% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.3%; unemployment rate near 2.4%; 17.8% of adults with a bachelor’s degree or higher (about 15.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Other services, and Manufacturing; about 9.7% of workers reporting work-from-home (about 5.5 points below 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 $408,000 — about 17% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,100 (about 5% below the U.S. median rent ($1,163)), and owner-occupancy near 60.3% (about 5.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 98295 in Sumas, WA, a household would need roughly $112,000 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 $2,621. That is about 16% above the local median household income ($96,337), 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 Sumas city, WA as Relatively Moderate (composite score 91.0), which is among the highest nationally. The strongest component scores on US5 are flood (88.9) and wildfire (61.7). 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 Sumas city, WA show little to no average snow and around 49.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 168 for ZIP 98295 (Sumas 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.