99148 ZIP Code — Loon Lake, WA

Stevens County, Washington

ZIP code 99148 is located in Loon Lake, Washington, within Stevens County. It covers approximately 70.62 square miles and serves a population of 2,358 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 509.

About ZIP code 99148

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $336,100. Owner-occupancy is high at 94%, well above the national average.

Median household income is $73,750. The poverty rate of 6% is below the national average. 50% 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. An above-average commute of 38 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 31% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%.

Overall, ZIP code 99148 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

2,358

population

70.62

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

99148 ZIP code map

Cities in ZIP code 99148

Below are the cities the US Postal Service accepts for ZIP code 99148. Using any city not on this list may result in mail delivery delays.

City	Status
Loon Lake	Acceptable
Loon Lake	Preferred

Nearby ZIP codes

99110 Clayton (10 mi) 99181 Valley (10.4 mi) 99006 Deer Park (11.6 mi) 99109 Chewelah (12.2 mi) 99156 Newport (15.7 mi) 99173 Springdale (15.9 mi) 99009 Elk (17 mi) 99180 Usk (17.2 mi) 99013 Ford (19.9 mi)

Demographics updated 05/2026

Population
Total population	2,358
Population density	33 / sq mi
State FIPS	53
County FIPS	065

Geography
Land area	70.62 sq mi
Water area	3.65 sq mi
Latitude	48.1310
Longitude	-117.5894
Timezone	Pacific (PT)
Area code	509

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	42.4%	49.6%	31.7%
$50k – $100k	31.6%	31.1%	30.6%
$100k – $200k	18.8%	15.5%	27.1%
Over $200k	7.2%	3.8%	10.6%

Demographics & statistics

2,358

Population

People per sq mi

56.2

Median age

$73,750

Median household income

$43,995

Per capita income

$336,100

Median home value

$960

Median monthly rent

93.5%

Home ownership

5.8%

Poverty rate

2.3%

Unemployment

2,001

Housing units

30.5%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

110

35–44

115

170

45–54

178

112

55–59

118

143

60–64

150

249

65–74

261

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	340	14.4%
18 and over	2,018	85.6%
65 and over	689	29.2%
Median age	56.2 years

Race & ethnicity

White 93.5%

Two or more races 3%

American Indian / Alaska Native 1.3%

Asian 1.1%

Hispanic or Latino 0.8%

Other race 0.3%

Group	Count	%
White	2,224	93.5%
Two or more races	71	3%
American Indian / Alaska Native	32	1.3%
Asian	25	1.1%
Hispanic or Latino	20	0.8%
Other race	6	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	42.4%	49.6%	31.7%
$50k – $100k	31.6%	31.1%	30.6%
$100k – $200k	18.8%	15.5%	27.1%
Over $200k	7.2%	3.8%	10.6%

Under $10k 3.7%

$10k–$15k 4.4%

$15k–$25k 11.9%

$25k–$35k 10.1%

$35k–$50k 5.7%

$50k–$75k 15.2%

$75k–$100k 13.7%

$100k–$150k 19.0%

$150k–$200k 7.3%

$200k+ 9.0%

Range	% of households
Under $10k	3.7%
$10k–$15k	4.4%
$15k–$25k	11.9%
$25k–$35k	10.1%
$35k–$50k	5.7%
$50k–$75k	15.2%
$75k–$100k	13.7%
$100k–$150k	19.0%
$150k–$200k	7.3%
$200k+	9.0%
Median income	$73,750

Housing

Home values

Under $50k 1.1%

$50k–$100k 7.0%

$100k–$150k 11.0%

$150k–$200k 8.9%

$200k–$300k 17.7%

$300k–$500k 26.7%

$500k–$1M 24.2%

$1M+ 3.4%

Housing overview

Metric	Value
Median home value	$336,100
Median rent / month	$960
Owner occupied	93.5%
Renter occupied	6.5%
Vacant	49.6%
Single-family detached	83.8%
Large apartment buildings	0.0%
Mobile homes	14.1%
Median rooms	5.3
Avg household size (owned)	2.27

Year built

Era	%
2020 or later	0.4%
2010–2019	13.4%
2000–2009	15.5%
1990–1999	21.6%
1980–1989	6.4%
1970–1979	10.9%
1960–1969	12.7%
1950–1959	8.0%
1940–1949	6.4%
1939 or earlier	4.8%

Bedrooms

Size	% of units
No bedroom (studio)	1.9%
1 bedroom	12.8%
2 bedrooms	28.2%
3 bedrooms	42.7%
4 bedrooms	10.2%
5+ bedrooms	4.2%

Vehicles per household

Vehicles	% of households
No vehicle	0.4%
1 vehicle	21.0%
2 vehicles	50.5%
3 or more	28.1%

Heating fuel

Fuel type	%
Utility gas	28.6%
Electricity	35.3%
Propane / LP gas	7.5%
Fuel oil	0.4%
Wood	26.4%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	623	59.7%
Cohabiting couple	35	3.4%
Male householder, no spouse	199	19.1%
Female householder, no spouse	186	17.8%
Households with children under 18	183	17.5%
Households with seniors (65+)	530	50.8%
Average household size	2.26

Marital status

Status	Male	Female
Never married	18.4%	14.2%
Married	66.7%	62.7%
Separated	0.0%	0.6%
Widowed	3.0%	10.3%
Divorced	11.8%	12.3%

Education

Less than 9th grade 0.7%

Some HS, no diploma 5.0%

HS graduate 33.7%

Some college, no degree 22.0%

Associate's degree 8.1%

Bachelor's degree 14.3%

Graduate / professional 16.2%

Metric	%
HS diploma or higher	94.3%
Bachelor's or higher	30.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	5	1.7%
Elementary school	182	60.5%
High school	97	32.2%
College / grad school	17	5.6%

Employment

Industry of employment

Education & healthcare 27.6%

Professional & management 12.6%

Manufacturing 10.7%

Arts, food & hospitality 10.5%

Transportation & utilities 9.5%

Retail trade 8.5%

Public administration 5.8%

Other services 4.9%

Finance & real estate 4.0%

Construction 2.9%

Information 2.1%

Agriculture & mining 0.6%

Wholesale trade 0.4%

Occupation

Category	%
Management, business & arts	37.5%
Service	25.8%
Sales & office	15.1%
Natural resources & construction	11.8%
Production & transportation	9.8%

Employment type

Type	%
Private sector	63.6%
Government	22.9%
Self-employed	13.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	75.7%
Carpool	6.6%
Public transit	3.0%
Walk	0.6%
Work from home	10.2%
Other means	3.8%
Avg commute (minutes)	38.0

Poverty

All people 5.8%

Under 18 years 0.0%

18 and over 6.8%

Married-couple families 3.4%

Female-led households 0.0%

Income support

Source	% of households
Social Security	50.0%
Retirement income	35.3%
Supplemental Security	3.2%
Cash public assistance	3.7%
Food stamps / SNAP	9.5%

Health indicators

Condition	%
Obesity	31.6%
High blood pressure	37.2%
High cholesterol	36.5%
Diabetes	11.6%
Heart disease	8.5%
Stroke	4.0%
Asthma	11.1%
Arthritis	32.1%
Kidney disease	3.7%
Pulmonary disease	9.2%
Cancer	8.7%

Behavior / access	%
Smoking	17.5%
Binge drinking	14.2%
No physical activity	21.2%
Less than 7 hrs sleep	32.6%
Depression	25.0%
Fair or poor health	16.7%
Poor mental health	14.3%
Poor physical health	12.9%
No health insurance	10.0%
Visited doctor (checkup)	68.7%
Visited dentist	61.0%
Cholesterol screening	90.8%
Teeth loss	13.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	237	11.7%

Disability	%
Any disability	16.9%
Under 18	0.0%
18–64 years	14.9%
65 and over	29.2%

Health insurance coverage

Type	%
Private insurance	69.9%
Public insurance	47.5%
No insurance	3.3%
Uninsured under 19	5.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,297	97.4%
Spanish	21	0.9%
Other Indo-European	21	0.9%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,343	99.4%
Born in same state	2,343	99.4%
Born in different state	1,492	63.3%
Foreign born	0	0.0%
Naturalized citizen	15	0.6%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
French	573	24.3%
Arab	235	10%
Italian	195	8.3%
Polish	126	5.3%

Ancestry	Count	%
Dutch	55	2.3%
English	34	1.4%
German	2	0.1%

Technology access

Metric	% of households
Computer access	44.2%
Internet access	89.5%

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

Frequently asked questions about ZIP code 99148

What city is ZIP code 99148 in?

ZIP code 99148 is primarily assigned to Loon Lake, Washington.

What county is ZIP code 99148 in?

ZIP code 99148 falls within Stevens County, Washington.

Is ZIP code 99148 mostly owner-occupied?

94% of occupied units in ZIP code 99148 are owner-occupied, well above the national average.

Does ZIP code 99148 have an older population?

29% of residents in ZIP code 99148 are 65 or older, above the national average of ~17%.

Does ZIP code 99148 have a large retiree population?

50% of households in ZIP code 99148 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 99148 have a large veteran population?

12% of civilians in ZIP code 99148 are veterans, above the national average of ~7%.

What timezone is ZIP code 99148 in?

ZIP code 99148 observes the PST timezone.