ZIP Code 98856 — Twisp town, WA Demographics & Data

ZIP code 98856 covers Twisp, WA in Okanogan County with a population of about 2,654.

At a glance, the area shows median age of 45.4 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.

Median household income in ZIP 98856 is about $47,000 — about 37% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.0%; unemployment rate near 9.1%; 42.1% of adults with a bachelor’s degree or higher (about 8.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Food services; about 9.4% of workers reporting work-from-home (about 5.8 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 $398,400 — about 14% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $644 (about 45% below the U.S. median rent ($1,163)), and owner-occupancy near 73.6% (about 8.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 98856 in Twisp, WA, a household would need roughly $110,000 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 $2,559. That is about 134% above the local median household income ($47,000), 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 Twisp town, 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 Twisp town, WA show little to no average snow and around 15.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 143 for ZIP 98856 (Twisp town, 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.