98232 ZIP Code — Bow, WA

Skagit County, Washington

ZIP code 98232 is located in Bow, Washington, within Skagit County. It covers approximately 53.98 square miles and serves a population of 3,939 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 360/564.

About ZIP code 98232

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $620,400. Owner-occupancy is high at 91%, well above the national average.

The gap between median ($102,841) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 3% is below the national average. 34% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 26 minutes is near the national average.

Educational attainment is near the national average, with 37% of residents holding a bachelor's degree or higher.

Overall, ZIP code 98232 reflects a community defined by high homeownership and a significant Social Security-dependent population.

3,939

population

53.98

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

98232 ZIP code map

Cities in ZIP code 98232

Below are the cities the US Postal Service accepts for ZIP code 98232. Using any city not on this list may result in mail delivery delays.

City	Status
Bow	Acceptable
Bow	Preferred

Nearby ZIP codes

98233 Burlington (4.5 mi) 98229 Bellingham (8.5 mi) 98257 La Conner (10.9 mi) 98221 Anacortes (11.1 mi) 98273 Mount Vernon (12.3 mi) 98225 Bellingham (13 mi) 98262 Lummi Island (13.4 mi) 98220 Acme (14 mi) 98226 Bellingham (15.6 mi) 98222 Blakely Island (16.2 mi) 98279 Olga (17.8 mi) 98278 Oak Harbor (18.4 mi)

Demographics updated 05/2026

Population
Total population	3,939
Population density	73 / sq mi
State FIPS	53
County FIPS	057

Geography
Land area	53.98 sq mi
Water area	3.78 sq mi
Latitude	48.5659
Longitude	-122.4457
Timezone	Pacific (PT)
Area code	360/564

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	21.8%	33.8%	31.7%
$50k – $100k	34.0%	34.8%	30.6%
$100k – $200k	36.5%	25.1%	27.1%
Over $200k	7.6%	6.3%	10.6%

Demographics & statistics

3,939

Population

People per sq mi

48.7

Median age

$102,841

Median household income

$52,800

Per capita income

$620,400

Median home value

$1,747

Median monthly rent

90.5%

Home ownership

2.6%

Poverty rate

1.3%

Unemployment

1,656

Housing units

36.9%

Bachelor's or higher

Age distribution

Male Female

Under 5

118

5–9

113

10–14

173

15–19

167

20–24

159

25–34

153

319

35–44

308

209

45–54

202

255

55–59

246

157

60–64

151

274

65–74

265

149

75–84

144

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	653	16.6%
18 and over	3,286	83.4%
65 and over	894	22.7%
Median age	48.7 years

Race & ethnicity

White 88.3%

Two or more races 5.8%

Hispanic or Latino 3.9%

Other race 1.5%

Asian 0.3%

Native Hawaiian / Pacific Islander 0.1%

Black or African American 0.1%

Group	Count	%
White	3,617	88.3%
Two or more races	238	5.8%
Hispanic or Latino	159	3.9%
Other race	60	1.5%
Asian	12	0.3%
Native Hawaiian / Pacific Islander	6	0.1%
Black or African American	4	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	21.8%	33.8%	31.7%
$50k – $100k	34.0%	34.8%	30.6%
$100k – $200k	36.5%	25.1%	27.1%
Over $200k	7.6%	6.3%	10.6%

Under $10k 2.0%

$10k–$15k 0.3%

$15k–$25k 3.7%

$25k–$35k 4.4%

$35k–$50k 4.5%

$50k–$75k 15.7%

$75k–$100k 17.9%

$100k–$150k 19.4%

$150k–$200k 20.6%

$200k+ 11.4%

Range	% of households
Under $10k	2.0%
$10k–$15k	0.3%
$15k–$25k	3.7%
$25k–$35k	4.4%
$35k–$50k	4.5%
$50k–$75k	15.7%
$75k–$100k	17.9%
$100k–$150k	19.4%
$150k–$200k	20.6%
$200k+	11.4%
Median income	$102,841

Housing

Home values

Under $50k 0.9%

$50k–$100k 0.6%

$100k–$150k 0.7%

$150k–$200k 0.6%

$200k–$300k 10.9%

$300k–$500k 22.4%

$500k–$1M 50.3%

$1M+ 13.7%

Housing overview

Metric	Value
Median home value	$620,400
Median rent / month	$1,747
Owner occupied	90.5%
Renter occupied	9.5%
Vacant	14.0%
Single-family detached	89.9%
Large apartment buildings	0.2%
Mobile homes	5.8%
Median rooms	5.9
Avg household size (owned)	2.49

Year built

Era	%
2020 or later	0.6%
2010–2019	8.1%
2000–2009	13.4%
1990–1999	18.7%
1980–1989	9.9%
1970–1979	5.7%
1960–1969	9.2%
1950–1959	7.4%
1940–1949	1.1%
1939 or earlier	26.0%

Bedrooms

Size	% of units
No bedroom (studio)	5.0%
1 bedroom	6.0%
2 bedrooms	22.9%
3 bedrooms	45.3%
4 bedrooms	17.7%
5+ bedrooms	3.1%

Vehicles per household

Vehicles	% of households
No vehicle	1.5%
1 vehicle	16.5%
2 vehicles	36.2%
3 or more	45.8%

Heating fuel

Fuel type	%
Utility gas	2.9%
Electricity	40.9%
Propane / LP gas	37.1%
Fuel oil	6.1%
Wood	8.3%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	1,097	70.7%
Cohabiting couple	52	3.4%
Male householder, no spouse	203	13.1%
Female householder, no spouse	199	12.8%
Households with children under 18	407	26.2%
Households with seniors (65+)	572	36.9%
Average household size	2.53

Marital status

Status	Male	Female
Never married	18.9%	21.5%
Married	68.8%	65.7%
Separated	4.5%	0.0%
Widowed	0.8%	6.6%
Divorced	7.0%	6.1%

Education

Less than 9th grade 0.7%

Some HS, no diploma 5.3%

HS graduate 17.6%

Some college, no degree 27.6%

Associate's degree 11.8%

Bachelor's degree 23.6%

Graduate / professional 13.3%

Metric	%
HS diploma or higher	94.0%
Bachelor's or higher	36.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	16	1.9%
Kindergarten	72	8.3%
Elementary school	306	35.5%
High school	271	31.4%
College / grad school	198	22.9%

Employment

Industry of employment

Education & healthcare 22.3%

Professional & management 15.2%

Arts, food & hospitality 12.9%

Retail trade 11.6%

Construction 8.8%

Manufacturing 7.3%

Agriculture & mining 5.4%

Wholesale trade 5.1%

Other services 3.4%

Transportation & utilities 3.1%

Public administration 3.0%

Finance & real estate 1.8%

Information 0.2%

Occupation

Category	%
Management, business & arts	39.7%
Service	26.3%
Sales & office	16.3%
Natural resources & construction	9.0%
Production & transportation	8.8%

Employment type

Type	%
Private sector	69.1%
Government	17.0%
Self-employed	13.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	75.8%
Carpool	6.3%
Public transit	0.0%
Walk	3.7%
Work from home	13.4%
Other means	0.9%
Avg commute (minutes)	26.3

Poverty

All people 2.6%

Under 18 years 0.8%

18 and over 3.0%

Married-couple families 0.2%

Female-led households 22.2%

Income support

Source	% of households
Social Security	33.5%
Retirement income	25.5%
Supplemental Security	5.7%
Cash public assistance	1.0%
Food stamps / SNAP	5.1%

Health indicators

Condition	%
Obesity	34.3%
High blood pressure	30.9%
High cholesterol	36.8%
Diabetes	10.1%
Heart disease	6.9%
Stroke	3.2%
Asthma	10.4%
Arthritis	27.5%
Kidney disease	3.1%
Pulmonary disease	7.1%
Cancer	7.9%

Behavior / access	%
Smoking	14.5%
Binge drinking	15.8%
No physical activity	18.6%
Less than 7 hrs sleep	29.5%
Depression	25.3%
Fair or poor health	13.8%
Poor mental health	13.8%
Poor physical health	11.3%
No health insurance	9.7%
Visited doctor (checkup)	70.0%
Visited dentist	69.9%
Cholesterol screening	90.5%
Teeth loss	11.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	344	10.5%

Disability	%
Any disability	13.0%
Under 18	1.4%
18–64 years	10.4%
65 and over	28.6%

Health insurance coverage

Type	%
Private insurance	78.0%
Public insurance	35.3%
No insurance	1.9%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,861	98.0%
Spanish	26	0.7%
Other Indo-European	14	0.4%
Asian & Pacific Islander	0	0.0%
Other languages	12	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,772	95.8%
Born in same state	3,747	95.1%
Born in different state	2,269	57.6%
Foreign born	25	0.6%
Naturalized citizen	167	4.2%
Not a US citizen	146	87.4%

Ancestry

Ancestry	Count	%
French	525	13.3%
Polish	452	11.5%
Italian	375	9.5%
English	264	6.7%
Arab	138	3.5%

Ancestry	Count	%
German	91	2.3%
Dutch	14	0.4%
Norwegian	11	0.3%
Irish	7	0.2%

Technology access

Metric	% of households
Computer access	39.4%
Internet access	95.9%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 98232

What city is ZIP code 98232 in?

ZIP code 98232 is primarily assigned to Bow, Washington.

What county is ZIP code 98232 in?

ZIP code 98232 falls within Skagit County, Washington.

Is ZIP code 98232 mostly owner-occupied?

91% of occupied units in ZIP code 98232 are owner-occupied, well above the national average.

Does ZIP code 98232 have a large veteran population?

11% of civilians in ZIP code 98232 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 98232?

The median home value in ZIP code 98232 is $620,400.

What is the median household income in ZIP code 98232?

The median household income in ZIP code 98232 is $102,841, above the national median of ~$75,000.

What timezone is ZIP code 98232 in?

ZIP code 98232 observes the PST timezone.