98840 ZIP Code — Okanogan, WA

Okanogan County, Washington

ZIP code 98840 is located in Okanogan, Washington, within Okanogan County. It covers approximately 532.97 square miles and serves a population of 4,775 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 509.

About ZIP code 98840

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 $229,100. Owner-occupancy sits near the national average at 65%.

Median household income is $63,179. SNAP benefit usage at 21% of households reflects economic stress in the area. 39% 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 17 minutes is near the national average.

College attainment at 21% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (23%) compared to national benchmarks.

Overall, ZIP code 98840 reflects a community defined by a significant Social Security-dependent population and elevated reliance on food assistance.

4,775

population

532.97

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

98840 ZIP code map

Cities in ZIP code 98840

Below are the cities the US Postal Service accepts for ZIP code 98840. Using any city not on this list may result in mail delivery delays.

City	Status
Okanogan	Preferred

Nearby ZIP codes

98841 Omak (11.6 mi) 98812 Brewster (12 mi) 99116 Coulee Dam (16.1 mi) 98849 Riverside (17.9 mi)

Demographics updated 05/2026

Population
Total population	4,775
Population density	9 / sq mi
State FIPS	53
County FIPS	047

Geography
Land area	532.97 sq mi
Water area	6.97 sq mi
Latitude	48.3193
Longitude	-119.6009
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	48.8%	52.2%	31.7%
$50k – $100k	31.2%	31.7%	30.6%
$100k – $200k	19.1%	13.9%	27.1%
Over $200k	0.8%	2.2%	10.6%

Demographics & statistics

4,775

Population

People per sq mi

42.1

Median age

$63,179

Median household income

$29,683

Per capita income

$229,100

Median home value

$960

Median monthly rent

65.0%

Home ownership

12.9%

Poverty rate

3.2%

Unemployment

1,520

Housing units

20.9%

Bachelor's or higher

Age distribution

Male Female

106

Under 5

120

158

5–9

181

171

10–14

194

183

15–19

208

20–24

105

157

25–34

178

360

35–44

409

305

45–54

348

55–59

114

60–64

129

364

65–74

415

124

75–84

142

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,224	25.6%
18 and over	3,551	74.4%
65 and over	1,152	24.1%
Median age	42.1 years

Race & ethnicity

White 73.3%

Two or more races 10.1%

American Indian / Alaska Native 5.5%

Hispanic or Latino 5.5%

Other race 4.2%

Native Hawaiian / Pacific Islander 0.9%

Black or African American 0.3%

Asian 0.2%

Group	Count	%
White	3,701	73.3%
Two or more races	512	10.1%
American Indian / Alaska Native	278	5.5%
Hispanic or Latino	277	5.5%
Other race	214	4.2%
Native Hawaiian / Pacific Islander	46	0.9%
Black or African American	16	0.3%
Asian	8	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	48.8%	52.2%	31.7%
$50k – $100k	31.2%	31.7%	30.6%
$100k – $200k	19.1%	13.9%	27.1%
Over $200k	0.8%	2.2%	10.6%

Under $10k 5.7%

$10k–$15k 4.8%

$15k–$25k 3.8%

$25k–$35k 14.1%

$35k–$50k 11.8%

$50k–$75k 15.6%

$75k–$100k 17.7%

$100k–$150k 17.2%

$150k–$200k 5.2%

$200k+ 4.1%

Range	% of households
Under $10k	5.7%
$10k–$15k	4.8%
$15k–$25k	3.8%
$25k–$35k	14.1%
$35k–$50k	11.8%
$50k–$75k	15.6%
$75k–$100k	17.7%
$100k–$150k	17.2%
$150k–$200k	5.2%
$200k+	4.1%
Median income	$63,179

Housing

Home values

Under $50k 4.1%

$50k–$100k 9.2%

$100k–$150k 10.1%

$150k–$200k 17.6%

$200k–$300k 31.9%

$300k–$500k 21.0%

$500k–$1M 4.4%

$1M+ 1.8%

Housing overview

Metric	Value
Median home value	$229,100
Median rent / month	$960
Owner occupied	65.0%
Renter occupied	35.0%
Vacant	14.2%
Single-family detached	75.4%
Large apartment buildings	0.4%
Mobile homes	19.1%
Median rooms	5.6
Avg household size (owned)	2.26

Year built

Era	%
2020 or later	0.0%
2010–2019	5.7%
2000–2009	3.7%
1990–1999	7.4%
1980–1989	8.5%
1970–1979	26.7%
1960–1969	9.9%
1950–1959	8.6%
1940–1949	11.9%
1939 or earlier	17.7%

Bedrooms

Size	% of units
No bedroom (studio)	4.3%
1 bedroom	9.4%
2 bedrooms	26.8%
3 bedrooms	41.7%
4 bedrooms	14.2%
5+ bedrooms	3.6%

Vehicles per household

Vehicles	% of households
No vehicle	2.9%
1 vehicle	27.1%
2 vehicles	32.5%
3 or more	37.5%

Heating fuel

Fuel type	%
Utility gas	2.7%
Electricity	77.1%
Propane / LP gas	0.2%
Fuel oil	0.7%
Wood	17.8%

Households & families

Household type	Count	%
Married-couple family	962	51.6%
Cohabiting couple	75	4.0%
Male householder, no spouse	273	14.7%
Female householder, no spouse	553	29.7%
Households with children under 18	760	40.8%
Households with seniors (65+)	761	40.8%
Average household size	2.43

Marital status

Status	Male	Female
Never married	26.9%	29.9%
Married	58.1%	47.9%
Separated	0.9%	1.5%
Widowed	1.5%	7.0%
Divorced	12.6%	13.7%

Education

Less than 9th grade 1.2%

Some HS, no diploma 7.4%

HS graduate 30.4%

Some college, no degree 31.1%

Associate's degree 9.0%

Bachelor's degree 14.0%

Graduate / professional 6.9%

Metric	%
HS diploma or higher	91.4%
Bachelor's or higher	20.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	35	3.1%
Kindergarten	62	5.6%
Elementary school	568	50.9%
High school	359	32.1%
College / grad school	93	8.3%

Employment

Industry of employment

Education & healthcare 23.3%

Retail trade 21.0%

Public administration 11.3%

Construction 9.7%

Arts, food & hospitality 9.0%

Agriculture & mining 6.8%

Transportation & utilities 5.6%

Professional & management 5.6%

Manufacturing 2.8%

Finance & real estate 1.7%

Information 1.6%

Other services 1.1%

Wholesale trade 0.3%

Occupation

Category	%
Management, business & arts	36.1%
Service	17.5%
Sales & office	17.1%
Natural resources & construction	16.5%
Production & transportation	12.8%

Employment type

Type	%
Private sector	66.9%
Government	27.0%
Self-employed	6.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	69.7%
Carpool	18.0%
Public transit	2.0%
Walk	3.7%
Work from home	5.2%
Other means	1.4%
Avg commute (minutes)	16.9

Poverty

All people 12.9%

Under 18 years 16.6%

18 and over 11.6%

Married-couple families 7.3%

Female-led households 26.9%

Income support

Source	% of households
Social Security	39.0%
Retirement income	27.9%
Supplemental Security	3.5%
Cash public assistance	7.5%
Food stamps / SNAP	21.4%

Health indicators

Condition	%
Obesity	36.8%
High blood pressure	36.2%
High cholesterol	32.6%
Diabetes	13.1%
Heart disease	8.9%
Stroke	4.5%
Asthma	12.4%
Arthritis	31.8%
Kidney disease	4.0%
Pulmonary disease	10.5%
Cancer	7.3%

Behavior / access	%
Smoking	23.2%
Binge drinking	14.8%
No physical activity	26.8%
Less than 7 hrs sleep	34.2%
Depression	27.7%
Fair or poor health	22.5%
Poor mental health	17.7%
Poor physical health	15.9%
No health insurance	15.7%
Visited doctor (checkup)	68.8%
Visited dentist	50.7%
Cholesterol screening	85.4%
Teeth loss	20.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	392	11.0%

Disability	%
Any disability	19.7%
Under 18	6.9%
18–64 years	16.0%
65 and over	41.1%

Health insurance coverage

Type	%
Private insurance	53.3%
Public insurance	57.0%
No insurance	5.9%
Uninsured under 19	0.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,549	95.3%
Spanish	96	2.1%
Other Indo-European	83	1.8%
Asian & Pacific Islander	0	0.0%
Other languages	8	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,592	96.2%
Born in same state	4,581	95.9%
Born in different state	3,461	72.5%
Foreign born	11	0.2%
Naturalized citizen	183	3.8%
Not a US citizen	53	29.0%

Ancestry

Ancestry	Count	%
Italian	777	16.3%
Arab	683	14.3%
French	513	10.7%
Polish	288	6%

Ancestry	Count	%
German	51	1.1%
English	36	0.8%
Dutch	14	0.3%
Irish	10	0.2%

Technology access

Metric	% of households
Computer access	39.0%
Internet access	92.3%

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

Frequently asked questions about ZIP code 98840

What city is ZIP code 98840 in?

ZIP code 98840 is primarily assigned to Okanogan, Washington.

What county is ZIP code 98840 in?

ZIP code 98840 falls within Okanogan County, Washington.

Does ZIP code 98840 have a large retiree population?

39% of households in ZIP code 98840 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 98840 have a large veteran population?

11% of civilians in ZIP code 98840 are veterans, above the national average of ~7%.

What is the population of ZIP code 98840?

ZIP code 98840 has an estimated population of 4,775 residents, with a density of 9 people per square mile.

What is the median household income in ZIP code 98840?

The median household income in ZIP code 98840 is $63,179, below the national median of ~$75,000.

What timezone is ZIP code 98840 in?

ZIP code 98840 observes the PST timezone.