ZIP Code 98829 — Malott CDP, WA Demographics & Data

ZIP code 98829 covers Malott, WA in Okanogan County with a population of about 441.

At a glance, the area shows median age of 56.1 versus a U.S. median of about 38.9.

It sits in telephone area code 509; U.S. House district WA-4; the SPOKANE media market.

Malott, WA fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 98829 is about $36,293 — about 52% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 30.8%; unemployment rate near 3.9%; 13.8% of adults with a bachelor’s degree or higher (about 19.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Healthcare, and Transportation; about 28.8% of workers reporting work-from-home (about 13.6 points above the U.S. share (15.2%)); a mean commute of about 141.0 minutes (U.S. average near 26.8).

Median home value is about $308,600 — about 11% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 80.3% (about 14.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 98829 in Malott, WA, a household would need roughly $85,000 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 $1,982. That is about 134% above the local median household income ($36,293), 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 Malott CDP, WA as Relatively Moderate (composite score 89.2), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (99.3) and flood (89.1). 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 Malott CDP, WA show little to no average snow.

IRS migration statistics show a net inflow of about 24 for ZIP 98829 (Malott 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.