98262 ZIP Code — Lummi Island, WA

Whatcom County, Washington

ZIP code 98262 is located in Lummi Island, Washington, within Whatcom County. It covers approximately 9.25 square miles and serves a population of 965 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 360/564.

About ZIP code 98262

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $520,600. Owner-occupancy is high at 92%, well above the national average.

Median household income is $82,500. 60% 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 27 minutes is near the national average. Remote work is prevalent — 40% of workers work from home.

Educational attainment is high — 54% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 98262 reflects a community defined by a highly educated population, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

965

population

9.25

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

98262 ZIP code map

Cities in ZIP code 98262

Below are the cities the US Postal Service accepts for ZIP code 98262. Using any city not on this list may result in mail delivery delays.

City	Status
Lummi Island	Preferred

Nearby ZIP codes

98279 Olga (7.4 mi) 98225 Bellingham (7.5 mi) 98222 Blakely Island (10.8 mi) 98226 Bellingham (11.3 mi) 98229 Bellingham (11.7 mi) 98248 Ferndale (12 mi) 98221 Anacortes (12.2 mi) 98232 Bow (13.4 mi) 98245 Eastsound (13.5 mi) 98230 Blaine (16.3 mi) 98261 Lopez Island (17.1 mi) 98240 Custer (17.5 mi)

Demographics updated 06/2026

Population
Total population	965
Population density	104 / sq mi
State FIPS	53
County FIPS	073

Geography
Land area	9.25 sq mi
Water area	23.70 sq mi
Latitude	48.6946
Longitude	-122.6655
Timezone	Pacific (PT)
Area code	360/564

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	33.8%	37.7%	31.7%
$50k – $100k	24.1%	33.5%	30.6%
$100k – $200k	31.2%	23.7%	27.1%
Over $200k	11.0%	5.1%	10.6%

Demographics & statistics

965

Population

104

People per sq mi

62.2

Median age

$82,500

Median household income

$53,499

Per capita income

$520,600

Median home value

$640

Median monthly rent

91.9%

Home ownership

10.5%

Poverty rate

0.0%

Unemployment

890

Housing units

53.9%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

161

65–74

128

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	51	5.3%
18 and over	914	94.7%
65 and over	413	42.8%
Median age	62.2 years

Race & ethnicity

White 85.1%

Two or more races 4.8%

Asian 4.4%

Hispanic or Latino 3%

Other race 1.8%

American Indian / Alaska Native 0.8%

Group	Count	%
White	847	85.1%
Two or more races	48	4.8%
Asian	44	4.4%
Hispanic or Latino	30	3%
Other race	18	1.8%
American Indian / Alaska Native	8	0.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	33.8%	37.7%	31.7%
$50k – $100k	24.1%	33.5%	30.6%
$100k – $200k	31.2%	23.7%	27.1%
Over $200k	11.0%	5.1%	10.6%

Under $10k 2.0%

$10k–$15k 2.0%

$15k–$25k 6.1%

$25k–$35k 13.8%

$35k–$50k 3.5%

$50k–$75k 17.9%

$75k–$100k 13.8%

$100k–$150k 23.0%

$150k–$200k 8.3%

$200k+ 9.6%

Range	% of households
Under $10k	2.0%
$10k–$15k	2.0%
$15k–$25k	6.1%
$25k–$35k	13.8%
$35k–$50k	3.5%
$50k–$75k	17.9%
$75k–$100k	13.8%
$100k–$150k	23.0%
$150k–$200k	8.3%
$200k+	9.6%
Median income	$82,500

Housing

Home values

Under $50k 0.7%

$100k–$150k 1.1%

$150k–$200k 0.9%

$200k–$300k 10.6%

$300k–$500k 33.6%

$500k–$1M 46.7%

$1M+ 6.4%

Housing overview

Metric	Value
Median home value	$520,600
Median rent / month	$640
Owner occupied	91.9%
Renter occupied	8.1%
Vacant	47.1%
Single-family detached	92.6%
Large apartment buildings	0.0%
Mobile homes	3.2%
Median rooms	5.0
Avg household size (owned)	1.97

Year built

Era	%
2020 or later	0.0%
2010–2019	2.6%
2000–2009	16.5%
1990–1999	11.1%
1980–1989	10.0%
1970–1979	23.5%
1960–1969	12.6%
1950–1959	9.8%
1940–1949	1.1%
1939 or earlier	12.9%

Bedrooms

Size	% of units
No bedroom (studio)	10.0%
1 bedroom	12.7%
2 bedrooms	31.5%
3 bedrooms	40.0%
4 bedrooms	4.4%
5+ bedrooms	1.4%

Vehicles per household

Vehicles	% of households
No vehicle	3.7%
1 vehicle	26.2%
2 vehicles	34.1%
3 or more	36.0%

Heating fuel

Fuel type	%
Utility gas	3.5%
Electricity	43.1%
Propane / LP gas	35.6%
Wood	17.9%

Households & families

Household type	Count	%
Married-couple family	243	49.4%
Cohabiting couple	19	3.9%
Male householder, no spouse	126	25.6%
Female householder, no spouse	104	21.1%
Households with children under 18	42	8.5%
Households with seniors (65+)	303	61.6%
Average household size	1.96

Marital status

Status	Male	Female
Never married	23.4%	13.4%
Married	50.0%	58.9%
Separated	0.0%	0.0%
Widowed	9.6%	13.1%
Divorced	17.0%	14.6%

Education

Less than 9th grade 0.0%

Some HS, no diploma 1.3%

HS graduate 15.5%

Some college, no degree 25.1%

Associate's degree 4.2%

Bachelor's degree 31.8%

Graduate / professional 22.1%

Metric	%
HS diploma or higher	98.7%
Bachelor's or higher	53.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	30	37.5%
High school	0	0.0%
College / grad school	50	62.5%

Employment

Industry of employment

Education & healthcare 18.0%

Professional & management 13.3%

Manufacturing 13.1%

Construction 11.4%

Arts, food & hospitality 11.0%

Agriculture & mining 9.1%

Transportation & utilities 5.1%

Retail trade 4.7%

Public administration 4.7%

Other services 4.4%

Information 4.2%

Wholesale trade 0.9%

Occupation

Category	%
Management, business & arts	68.9%
Service	6.1%
Sales & office	6.8%
Natural resources & construction	11.9%
Production & transportation	6.3%

Employment type

Type	%
Private sector	63.3%
Government	16.1%
Self-employed	20.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	44.6%
Carpool	0.0%
Public transit	4.4%
Walk	1.7%
Work from home	40.0%
Other means	9.4%
Avg commute (minutes)	26.7

Poverty

All people 10.5%

Under 18 years 39.2%

18 and over 8.9%

Married-couple families 5.3%

Female-led households 0.0%

Income support

Source	% of households
Social Security	60.4%
Retirement income	39.6%
Supplemental Security	2.8%
Cash public assistance	0.0%
Food stamps / SNAP	4.3%

Health indicators

Condition	%
Obesity	29.0%
High blood pressure	38.1%
High cholesterol	38.3%
Diabetes	11.4%
Heart disease	8.1%
Stroke	3.6%
Asthma	10.4%
Arthritis	32.8%
Kidney disease	3.6%
Pulmonary disease	7.3%
Cancer	9.4%

Behavior / access	%
Smoking	13.1%
Binge drinking	15.2%
No physical activity	16.0%
Less than 7 hrs sleep	26.4%
Depression	25.6%
Fair or poor health	13.6%
Poor mental health	12.6%
Poor physical health	11.4%
No health insurance	7.1%
Visited doctor (checkup)	74.6%
Visited dentist	71.8%
Cholesterol screening	93.4%
Teeth loss	8.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	68	7.4%

Disability	%
Any disability	9.3%
Under 18	0.0%
18–64 years	9.0%
65 and over	10.9%

Health insurance coverage

Type	%
Private insurance	74.9%
Public insurance	49.3%
No insurance	8.1%
Uninsured under 19	16.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	955	99.0%
Spanish	44	4.6%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	44	4.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	856	88.7%
Born in same state	796	82.5%
Born in different state	357	37.0%
Foreign born	60	6.2%
Naturalized citizen	109	11.3%
Not a US citizen	8	7.3%

Ancestry

Ancestry	Count	%
French	164	17%
Italian	81	8.4%
English	61	6.3%
Dutch	31	3.2%

Ancestry	Count	%
Polish	23	2.4%
Arab	14	1.5%
German	7	0.7%
Irish	3	0.3%

Technology access

Metric	% of households
Computer access	51.0%
Internet access	95.1%

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

Frequently asked questions about ZIP code 98262

What city is ZIP code 98262 in?

ZIP code 98262 is primarily assigned to Lummi Island, Washington.

What county is ZIP code 98262 in?

ZIP code 98262 falls within Whatcom County, Washington.

Does ZIP code 98262 have an older population?

43% of residents in ZIP code 98262 are 65 or older, above the national average of ~17%.

Does ZIP code 98262 have a large retiree population?

60% of households in ZIP code 98262 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 98262 mostly owner-occupied?

92% of occupied units in ZIP code 98262 are owner-occupied, well above the national average.

How educated is the population of ZIP code 98262?

54% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What timezone is ZIP code 98262 in?

ZIP code 98262 observes the PST timezone.