ZIP Code 98901 — Terrace Heights CDP, WA Demographics & Data

ZIP code 98901 covers Terrace Heights, WA in Yakima County with a population of about 32,080.

At a glance, the area shows median age of 31.5 versus a U.S. median of about 38.9.

It sits in telephone area code 509; U.S. House district WA-4; the YAKIMA - PASCO - RCHLND - KNNWCK media market.

Median household income in ZIP 98901 is about $56,429 — about 25% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.5%; unemployment rate near 6.7%; 16.7% of adults with a bachelor’s degree or higher (about 17.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Agriculture, and Retail trade; about 6.2% of workers reporting work-from-home (about 9.0 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 $268,100 — about 23% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $842 (about 28% below the U.S. median rent ($1,163)), and owner-occupancy near 50.3% (about 15.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 98901 in Terrace Heights, WA, a household would need roughly $74,000 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 $1,722. That is about 31% above the local median household income ($56,429), 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 Terrace Heights CDP, WA as Relatively Moderate (composite score 94.0), which is among the highest nationally. The strongest component scores on US5 are wildfire (98.9) and flood (92.9). 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 Terrace Heights CDP, WA show little to no average snow and around 8.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,723 for ZIP 98901 (Terrace Heights 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.