98266 ZIP Code — Maple Falls, WA

Whatcom County, Washington

ZIP code 98266 is located in Maple Falls, Washington, within Whatcom County. It covers approximately 50.55 square miles and serves a population of 3,983 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 360/564.

About ZIP code 98266

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $261,800. Owner-occupancy sits near the national average at 71%.

Median household income is $50,980. Poverty affects 22% of residents, above the national average. SNAP benefit usage at 32% of households reflects economic stress in the area. 40% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is production, transportation, and material moving, with retail trade as the leading industry. An above-average commute of 45 minutes suggests many residents work outside the immediate area.

College attainment at 11% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (22%) compared to national benchmarks.

Overall, ZIP code 98266 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

3,983

population

50.55

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

98266 ZIP code map

Cities in ZIP code 98266

Below are the cities the US Postal Service accepts for ZIP code 98266. Using any city not on this list may result in mail delivery delays.

City	Status
Maple Falls	Preferred

Nearby ZIP codes

98295 Sumas (7.3 mi) 98244 Deming (10.8 mi) 98276 Nooksack (11.4 mi) 98247 Everson (11.9 mi) 98264 Lynden (15.8 mi) 98220 Acme (19.5 mi)

Demographics updated 05/2026

Population
Total population	3,983
Population density	79 / sq mi
State FIPS	53
County FIPS	073

Geography
Land area	50.55 sq mi
Water area	0.36 sq mi
Latitude	48.9527
Longitude	-122.0730
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	59.2%	37.7%	31.7%
$50k – $100k	33.0%	33.5%	30.6%
$100k – $200k	6.8%	23.7%	27.1%
Over $200k	1.0%	5.1%	10.6%

Demographics & statistics

3,983

Population

People per sq mi

41.7

Median age

$50,980

Median household income

$23,449

Per capita income

$261,800

Median home value

$976

Median monthly rent

71.0%

Home ownership

22.2%

Poverty rate

9.6%

Unemployment

1,344

Housing units

11.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

107

10–14

169

15–19

152

197

20–24

179

293

25–34

264

263

35–44

238

248

45–54

224

217

55–59

197

162

60–64

147

227

65–74

205

75–84

← Male

Female →

Age summary

Group	Count	%
Under 18	702	17.6%
18 and over	3,281	82.4%
65 and over	578	14.5%
Median age	41.7 years

Race & ethnicity

White 89.9%

Two or more races 3.8%

Asian 3.4%

American Indian / Alaska Native 2.8%

Group	Count	%
White	3,582	89.9%
Two or more races	152	3.8%
Asian	136	3.4%
American Indian / Alaska Native	113	2.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	59.2%	37.7%	31.7%
$50k – $100k	33.0%	33.5%	30.6%
$100k – $200k	6.8%	23.7%	27.1%
Over $200k	1.0%	5.1%	10.6%

Under $10k 4.9%

$10k–$15k 7.7%

$15k–$25k 8.8%

$25k–$35k 17.4%

$35k–$50k 9.3%

$50k–$75k 18.5%

$75k–$100k 15.0%

$100k–$150k 15.7%

$150k–$200k 0.6%

$200k+ 2.1%

Range	% of households
Under $10k	4.9%
$10k–$15k	7.7%
$15k–$25k	8.8%
$25k–$35k	17.4%
$35k–$50k	9.3%
$50k–$75k	18.5%
$75k–$100k	15.0%
$100k–$150k	15.7%
$150k–$200k	0.6%
$200k+	2.1%
Median income	$50,980

Housing

Home values

Under $50k 10.1%

$50k–$100k 9.9%

$100k–$150k 7.2%

$150k–$200k 9.6%

$200k–$300k 28.0%

$300k–$500k 20.3%

$500k–$1M 14.3%

$1M+ 0.7%

Housing overview

Metric	Value
Median home value	$261,800
Median rent / month	$976
Owner occupied	71.0%
Renter occupied	29.0%
Vacant	14.6%
Single-family detached	62.1%
Large apartment buildings	1.0%
Mobile homes	36.1%
Median rooms	4.8
Avg household size (owned)	2.49

Year built

Era	%
2020 or later	2.4%
2010–2019	7.2%
2000–2009	17.9%
1990–1999	16.1%
1980–1989	15.1%
1970–1979	28.4%
1960–1969	3.8%
1950–1959	7.4%
1940–1949	0.6%
1939 or earlier	1.1%

Bedrooms

Size	% of units
No bedroom (studio)	4.5%
1 bedroom	10.2%
2 bedrooms	25.5%
3 bedrooms	55.6%
4 bedrooms	2.8%
5+ bedrooms	1.5%

Vehicles per household

Vehicles	% of households
No vehicle	4.0%
1 vehicle	26.5%
2 vehicles	34.1%
3 or more	35.3%

Heating fuel

Fuel type	%
Electricity	54.7%
Propane / LP gas	26.1%
Fuel oil	0.7%
Wood	18.5%

Households & families

Household type	Count	%
Married-couple family	616	40.4%
Cohabiting couple	278	18.2%
Male householder, no spouse	337	22.1%
Female householder, no spouse	295	19.3%
Households with children under 18	397	26.0%
Households with seniors (65+)	492	32.2%
Average household size	2.61

Marital status

Status	Male	Female
Never married	47.7%	35.4%
Married	35.0%	39.5%
Separated	2.0%	1.7%
Widowed	0.0%	9.7%
Divorced	15.3%	13.7%

Education

Less than 9th grade 3.7%

Some HS, no diploma 12.6%

HS graduate 41.3%

Some college, no degree 16.2%

Associate's degree 15.1%

Bachelor's degree 7.3%

Graduate / professional 3.7%

Metric	%
HS diploma or higher	83.7%
Bachelor's or higher	11.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	68	10.2%
Elementary school	290	43.4%
High school	236	35.3%
College / grad school	74	11.1%

Employment

Industry of employment

Retail trade 19.3%

Education & healthcare 16.8%

Arts, food & hospitality 13.0%

Wholesale trade 9.6%

Professional & management 9.2%

Other services 7.8%

Construction 6.8%

Manufacturing 4.9%

Public administration 3.8%

Agriculture & mining 3.7%

Transportation & utilities 2.5%

Finance & real estate 1.6%

Information 0.9%

Occupation

Category	%
Management, business & arts	23.3%
Service	22.0%
Sales & office	16.4%
Natural resources & construction	14.4%
Production & transportation	23.9%

Employment type

Type	%
Private sector	80.7%
Government	10.3%
Self-employed	9.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	76.3%
Carpool	12.4%
Public transit	0.0%
Walk	0.0%
Work from home	11.3%
Other means	0.0%
Avg commute (minutes)	45.0

Poverty

All people 22.2%

Under 18 years 17.1%

18 and over 23.3%

Married-couple families 17.4%

Female-led households 14.0%

Income support

Source	% of households
Social Security	39.7%
Retirement income	25.2%
Supplemental Security	20.8%
Cash public assistance	4.3%
Food stamps / SNAP	32.4%

Health indicators

Condition	%
Obesity	32.1%
High blood pressure	29.8%
High cholesterol	30.3%
Diabetes	9.2%
Heart disease	5.7%
Stroke	3.0%
Asthma	11.8%
Arthritis	24.4%
Kidney disease	2.7%
Pulmonary disease	7.4%
Cancer	5.2%

Behavior / access	%
Smoking	22.4%
Binge drinking	20.7%
No physical activity	19.8%
Less than 7 hrs sleep	31.3%
Depression	30.8%
Fair or poor health	16.3%
Poor mental health	18.1%
Poor physical health	12.4%
No health insurance	13.0%
Visited doctor (checkup)	66.3%
Visited dentist	59.2%
Cholesterol screening	83.6%
Teeth loss	15.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	305	9.3%

Disability	%
Any disability	21.0%
Under 18	10.3%
18–64 years	16.8%
65 and over	53.5%

Health insurance coverage

Type	%
Private insurance	44.6%
Public insurance	59.7%
No insurance	5.0%
Uninsured under 19	7.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,897	97.8%
Spanish	149	3.8%
Other Indo-European	0	0.0%
Asian & Pacific Islander	106	2.7%
Other languages	43	1.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,695	92.8%
Born in same state	3,678	92.3%
Born in different state	2,381	59.8%
Foreign born	17	0.4%
Naturalized citizen	288	7.2%
Not a US citizen	195	67.7%

Ancestry

Ancestry	Count	%
Italian	419	10.5%
French	396	9.9%
English	380	9.5%
Irish	242	6.1%

Ancestry	Count	%
Dutch	91	2.3%
Arab	87	2.2%
Polish	80	2%
German	12	0.3%

Technology access

Metric	% of households
Computer access	38.3%
Internet access	92.5%

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

Frequently asked questions about ZIP code 98266

What city is ZIP code 98266 in?

ZIP code 98266 is primarily assigned to Maple Falls, Washington.

What county is ZIP code 98266 in?

ZIP code 98266 falls within Whatcom County, Washington.

What is the poverty rate in ZIP code 98266?

22% of residents in ZIP code 98266 live below the poverty line, above the national average.

How educated is the population of ZIP code 98266?

11% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 98266 have a large retiree population?

40% of households in ZIP code 98266 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 98266 have a large veteran population?

9% of civilians in ZIP code 98266 are veterans, above the national average of ~7%.

What timezone is ZIP code 98266 in?

ZIP code 98266 observes the PST timezone.