98537 ZIP Code — Cosmopolis, WA

Grays Harbor County, Washington

ZIP code 98537 is located in Cosmopolis, Washington, within Grays Harbor County. It covers approximately 162.77 square miles and serves a population of 3,008 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 360/564.

About ZIP code 98537

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 $273,000. Owner-occupancy is high at 79%, well above the national average.

Median household income is $70,135. 43% 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 23 minutes is near the national average.

College attainment at 19% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (21%) compared to national benchmarks.

Overall, ZIP code 98537 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

3,008

population

162.77

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

98537 ZIP code map

Cities in ZIP code 98537

Below are the cities the US Postal Service accepts for ZIP code 98537. Using any city not on this list may result in mail delivery delays.

City	Status
Cosmopolis	Preferred

Nearby ZIP codes

98568 Oakville (12.8 mi) 98577 Raymond (13.5 mi) 98547 Grayland (14 mi) 98541 Elma (18.6 mi)

Demographics updated 05/2026

Population
Total population	3,008
Population density	18 / sq mi
State FIPS	53
County FIPS	027

Geography
Land area	162.77 sq mi
Water area	0.07 sq mi
Latitude	46.8374
Longitude	-123.5797
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	38.4%	49.7%	31.7%
$50k – $100k	36.4%	32.1%	30.6%
$100k – $200k	21.7%	15.9%	27.1%
Over $200k	3.5%	2.2%	10.6%

Demographics & statistics

3,008

Population

People per sq mi

40.5

Median age

$70,135

Median household income

$32,044

Per capita income

$273,000

Median home value

$779

Median monthly rent

78.9%

Home ownership

8.2%

Poverty rate

9.6%

Unemployment

968

Housing units

18.6%

Bachelor's or higher

Age distribution

Male Female

Under 5

181

5–9

187

10–14

15–19

100

20–24

103

168

25–34

174

154

35–44

159

224

45–54

230

55–59

60–64

140

65–74

145

129

75–84

132

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	751	25.0%
18 and over	2,257	75.0%
65 and over	579	19.2%
Median age	40.5 years

Race & ethnicity

White 80.1%

Two or more races 10.3%

Asian 4.6%

Hispanic or Latino 4%

American Indian / Alaska Native 1%

Other race 0.1%

Group	Count	%
White	2,509	80.1%
Two or more races	323	10.3%
Asian	143	4.6%
Hispanic or Latino	124	4%
American Indian / Alaska Native	30	1%
Other race	3	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	38.4%	49.7%	31.7%
$50k – $100k	36.4%	32.1%	30.6%
$100k – $200k	21.7%	15.9%	27.1%
Over $200k	3.5%	2.2%	10.6%

Under $10k 3.6%

$10k–$15k 3.9%

$15k–$25k 7.7%

$25k–$35k 7.5%

$35k–$50k 9.8%

$50k–$75k 23.8%

$75k–$100k 10.9%

$100k–$150k 23.7%

$150k–$200k 4.5%

$200k+ 4.5%

Range	% of households
Under $10k	3.6%
$10k–$15k	3.9%
$15k–$25k	7.7%
$25k–$35k	7.5%
$35k–$50k	9.8%
$50k–$75k	23.8%
$75k–$100k	10.9%
$100k–$150k	23.7%
$150k–$200k	4.5%
$200k+	4.5%
Median income	$70,135

Housing

Home values

Under $50k 1.1%

$50k–$100k 4.5%

$100k–$150k 5.8%

$150k–$200k 14.9%

$200k–$300k 31.6%

$300k–$500k 32.3%

$500k–$1M 9.6%

$1M+ 0.1%

Housing overview

Metric	Value
Median home value	$273,000
Median rent / month	$779
Owner occupied	78.9%
Renter occupied	21.1%
Vacant	10.4%
Single-family detached	86.4%
Large apartment buildings	0.0%
Mobile homes	6.7%
Median rooms	6.1
Avg household size (owned)	2.97

Year built

Era	%
2020 or later	0.2%
2010–2019	1.1%
2000–2009	9.6%
1990–1999	10.9%
1980–1989	10.1%
1970–1979	17.8%
1960–1969	10.5%
1950–1959	10.3%
1940–1949	2.8%
1939 or earlier	26.7%

Bedrooms

Size	% of units
No bedroom (studio)	1.5%
1 bedroom	6.9%
2 bedrooms	14.9%
3 bedrooms	52.9%
4 bedrooms	20.4%
5+ bedrooms	3.4%

Vehicles per household

Vehicles	% of households
No vehicle	1.6%
1 vehicle	26.1%
2 vehicles	33.6%
3 or more	38.8%

Heating fuel

Fuel type	%
Utility gas	0.8%
Electricity	76.9%
Propane / LP gas	3.5%
Fuel oil	1.1%
Wood	16.4%
Solar	0.4%

Households & families

Household type	Count	%
Married-couple family	594	55.5%
Cohabiting couple	109	10.2%
Male householder, no spouse	128	12.0%
Female householder, no spouse	239	22.3%
Households with children under 18	323	30.2%
Households with seniors (65+)	395	36.9%
Average household size	2.81

Marital status

Status	Male	Female
Never married	33.3%	25.8%
Married	53.6%	54.1%
Separated	0.2%	0.2%
Widowed	4.3%	13.2%
Divorced	8.5%	6.7%

Education

Less than 9th grade 3.9%

Some HS, no diploma 4.5%

HS graduate 30.4%

Some college, no degree 30.7%

Associate's degree 12.0%

Bachelor's degree 12.6%

Graduate / professional 6.0%

Metric	%
HS diploma or higher	91.7%
Bachelor's or higher	18.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	56	8.3%
Kindergarten	17	2.5%
Elementary school	394	58.3%
High school	158	23.4%
College / grad school	51	7.5%

Employment

Industry of employment

Education & healthcare 22.0%

Manufacturing 14.0%

Retail trade 10.9%

Public administration 8.0%

Arts, food & hospitality 7.8%

Finance & real estate 7.4%

Construction 7.3%

Other services 6.7%

Professional & management 5.0%

Transportation & utilities 4.8%

Agriculture & mining 4.5%

Information 0.9%

Wholesale trade 0.8%

Occupation

Category	%
Management, business & arts	34.4%
Service	12.7%
Sales & office	23.2%
Natural resources & construction	11.5%
Production & transportation	18.3%

Employment type

Type	%
Private sector	70.2%
Government	22.0%
Self-employed	6.8%
Unpaid family workers	1.0%

Commute

Method	%
Drive alone	79.7%
Carpool	11.4%
Public transit	0.8%
Walk	1.5%
Work from home	6.6%
Other means	0.0%
Avg commute (minutes)	22.9

Poverty

All people 8.2%

Under 18 years 5.6%

18 and over 9.0%

Married-couple families 4.5%

Female-led households 3.8%

Income support

Source	% of households
Social Security	43.0%
Retirement income	25.2%
Supplemental Security	4.3%
Cash public assistance	2.1%
Food stamps / SNAP	15.1%

Health indicators

Condition	%
Obesity	37.0%
High blood pressure	37.1%
High cholesterol	36.9%
Diabetes	11.9%
Heart disease	8.1%
Stroke	3.9%
Asthma	12.0%
Arthritis	31.5%
Kidney disease	3.5%
Pulmonary disease	9.2%
Cancer	7.3%

Behavior / access	%
Smoking	21.1%
Binge drinking	15.7%
No physical activity	23.0%
Less than 7 hrs sleep	37.0%
Depression	30.5%
Fair or poor health	18.5%
Poor mental health	17.1%
Poor physical health	14.0%
No health insurance	12.2%
Visited doctor (checkup)	70.8%
Visited dentist	55.8%
Cholesterol screening	87.3%
Teeth loss	18.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	151	6.7%

Disability	%
Any disability	15.3%
Under 18	0.9%
18–64 years	11.9%
65 and over	43.7%

Health insurance coverage

Type	%
Private insurance	71.3%
Public insurance	45.7%
No insurance	4.3%
Uninsured under 19	3.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,861	95.1%
Spanish	118	4.1%
Other Indo-European	23	0.8%
Asian & Pacific Islander	13	0.5%
Other languages	82	2.9%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,868	95.3%
Born in same state	2,865	95.2%
Born in different state	2,194	72.9%
Foreign born	3	0.1%
Naturalized citizen	140	4.7%
Not a US citizen	70	50.0%

Ancestry

Ancestry	Count	%
Italian	373	12.4%
French	279	9.3%
Polish	98	3.3%
Dutch	88	2.9%

Ancestry	Count	%
Arab	49	1.6%
English	30	1%
Irish	2	0.1%
German	1	0%

Technology access

Metric	% of households
Computer access	35.6%
Internet access	93.3%

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

Frequently asked questions about ZIP code 98537

What city is ZIP code 98537 in?

ZIP code 98537 is primarily assigned to Cosmopolis, Washington.

What county is ZIP code 98537 in?

ZIP code 98537 falls within Grays Harbor County, Washington.

Does ZIP code 98537 have a large retiree population?

43% of households in ZIP code 98537 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 98537?

ZIP code 98537 has an estimated population of 3,008 residents, with a density of 18 people per square mile.

What is the typical home value in ZIP code 98537?

The median home value in ZIP code 98537 is $273,000.

What is the median household income in ZIP code 98537?

The median household income in ZIP code 98537 is $70,135, below the national median of ~$75,000.

What timezone is ZIP code 98537 in?

ZIP code 98537 observes the PST timezone.