ZIP Code 99130 — Garfield town, WA Demographics & Data

ZIP code 99130 covers Garfield, WA in Whitman County with a population of about 847.

At a glance, the area shows median age of 35.9 versus a U.S. median of about 38.9.

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

Median household income in ZIP 99130 is about $63,750 — about 15% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 20.1%; unemployment rate near 1.1%; 27.9% of adults with a bachelor’s degree or higher (about 5.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Manufacturing, and Public administration; about 2.3% of workers reporting work-from-home (about 12.9 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 $210,700 — about 39% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $739 (about 36% below the U.S. median rent ($1,163)), and owner-occupancy near 79.7% (about 14.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 99130 in Garfield, WA, a household would need roughly $58,000 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 $1,353. That is roughly in line with the local median household income ($63,750). 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 Garfield town, WA as Very Low (composite score 39.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (68.3) and flood (58.8). 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 Garfield town, WA show little to no average snow and around 24.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 45 for ZIP 99130 (Garfield 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.