ZIP Code 99118 — Curlew CDP, WA Demographics & Data

ZIP code 99118 covers Curlew, WA in Ferry County with a population of about 964.

At a glance, the area shows median age of 40.2 (near the U.S. median).

It sits in telephone area code 509; U.S. House district WA-5; the SPOKANE media market.

Curlew, WA reads as a military / base-oriented community on US5’s intent model (elevated veteran share (18.8%) 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.

Median household income in ZIP 99118 is about $66,202 — about 12% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 24.3%; unemployment rate near 4.6%; 18.0% of adults with a bachelor’s degree or higher (about 15.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Agriculture, and Public administration; about 1.0% of workers reporting work-from-home (about 14.2 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 $306,700 — about 12% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $566 (about 51% below the U.S. median rent ($1,163)), and owner-occupancy near 73.4% (about 8.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 99118 in Curlew, WA, a household would need roughly $84,000 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 $1,970. That is about 27% above the local median household income ($66,202), 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 Curlew CDP, WA as Relatively Low (composite score 51.7), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (97.4) and flood (52.3). 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 Curlew CDP, WA show little to no average snow and around 18.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 52 for ZIP 99118 (Curlew 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.