98365 ZIP Code — Port Ludlow, WA

Jefferson County, Washington

ZIP code 98365 is located in Port Ludlow, Washington, within Jefferson County. It covers approximately 37.17 square miles and serves a population of 5,259 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 360/564.

About ZIP code 98365

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $567,800. Owner-occupancy is high at 91%, well above the national average.

The gap between median ($93,167) and mean household income suggests income inequality — a small number of higher earners pull the average up. 58% 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 31 minutes is near the national average. Remote work is prevalent — 21% of workers work from home.

Educational attainment is near the national average, with 42% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 18% of civilians, above the national average of 7%.

Overall, ZIP code 98365 reflects a community defined by a strong veteran community, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

5,259

population

37.17

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

98365 ZIP code map

Cities in ZIP code 98365

Below are the cities the US Postal Service accepts for ZIP code 98365. Using any city not on this list may result in mail delivery delays.

City	Status
Port Ludlow	Acceptable
Port Ludlow	Preferred

Nearby ZIP codes

98340 Hansville (6 mi) 98325 Chimacum (6.3 mi) 98339 Port Hadlock (7.5 mi) 98376 Quilcene (8 mi) 98346 Kingston (9.8 mi) 98358 Nordland (10.6 mi) 98370 Poulsbo (10.9 mi) 98249 Freeland (11.2 mi) 98368 Port Townsend (11.4 mi) 98315 Silverdale (12.4 mi) 98342 Indianola (13 mi) 98392 Suquamish (13.4 mi)

Demographics updated 05/2026

Population
Total population	5,259
Population density	141 / sq mi
State FIPS	53
County FIPS	031

Geography
Land area	37.17 sq mi
Water area	4.98 sq mi
Latitude	47.9031
Longitude	-122.6993
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	30.1%	40.1%	31.7%
$50k – $100k	29.4%	32.8%	30.6%
$100k – $200k	35.9%	21.2%	27.1%
Over $200k	4.7%	5.8%	10.6%

Demographics & statistics

5,259

Population

141

People per sq mi

63.4

Median age

$93,167

Median household income

$61,281

Per capita income

$567,800

Median home value

$1,943

Median monthly rent

90.9%

Home ownership

10.9%

Poverty rate

4.8%

Unemployment

2,817

Housing units

42.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

107

5–9

108

10–14

15–19

20–24

125

25–34

126

270

35–44

273

158

45–54

160

183

55–59

184

294

60–64

296

629

65–74

635

496

75–84

501

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	638	12.1%
18 and over	4,621	87.9%
65 and over	2,450	46.6%
Median age	63.4 years

Race & ethnicity

White 90.3%

Two or more races 3.5%

Hispanic or Latino 2.7%

Asian 1.7%

Other race 0.7%

American Indian / Alaska Native 0.5%

Native Hawaiian / Pacific Islander 0.5%

Group	Count	%
White	4,884	90.3%
Two or more races	191	3.5%
Hispanic or Latino	148	2.7%
Asian	90	1.7%
Other race	39	0.7%
American Indian / Alaska Native	28	0.5%
Native Hawaiian / Pacific Islander	27	0.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	30.1%	40.1%	31.7%
$50k – $100k	29.4%	32.8%	30.6%
$100k – $200k	35.9%	21.2%	27.1%
Over $200k	4.7%	5.8%	10.6%

Under $10k 7.4%

$10k–$15k 3.5%

$15k–$25k 2.5%

$25k–$35k 3.1%

$35k–$50k 6.0%

$50k–$75k 17.1%

$75k–$100k 10.8%

$100k–$150k 22.1%

$150k–$200k 11.8%

$200k+ 15.7%

Range	% of households
Under $10k	7.4%
$10k–$15k	3.5%
$15k–$25k	2.5%
$25k–$35k	3.1%
$35k–$50k	6.0%
$50k–$75k	17.1%
$75k–$100k	10.8%
$100k–$150k	22.1%
$150k–$200k	11.8%
$200k+	15.7%
Median income	$93,167

Housing

Home values

Under $50k 1.7%

$50k–$100k 0.6%

$150k–$200k 4.2%

$200k–$300k 6.8%

$300k–$500k 27.2%

$500k–$1M 53.3%

$1M+ 6.3%

Housing overview

Metric	Value
Median home value	$567,800
Median rent / month	$1,943
Owner occupied	90.9%
Renter occupied	9.1%
Vacant	16.2%
Single-family detached	83.6%
Large apartment buildings	0.0%
Mobile homes	7.9%
Median rooms	5.9
Avg household size (owned)	2.08

Year built

Era	%
2020 or later	0.3%
2010–2019	7.5%
2000–2009	25.0%
1990–1999	25.0%
1980–1989	16.4%
1970–1979	17.1%
1960–1969	3.1%
1950–1959	1.9%
1940–1949	0.0%
1939 or earlier	3.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.7%
1 bedroom	6.0%
2 bedrooms	32.8%
3 bedrooms	50.9%
4 bedrooms	9.0%
5+ bedrooms	0.6%

Vehicles per household

Vehicles	% of households
No vehicle	1.9%
1 vehicle	28.1%
2 vehicles	42.1%
3 or more	28.0%

Heating fuel

Fuel type	%
Utility gas	4.3%
Electricity	79.7%
Propane / LP gas	7.6%
Fuel oil	1.8%
Wood	5.9%
No fuel used	0.7%

Households & families

Household type	Count	%
Married-couple family	1,593	62.3%
Cohabiting couple	69	2.7%
Male householder, no spouse	380	14.9%
Female householder, no spouse	516	20.2%
Households with children under 18	322	12.6%
Households with seniors (65+)	1,554	60.8%
Average household size	2.06

Marital status

Status	Male	Female
Never married	19.2%	11.0%
Married	70.6%	69.3%
Separated	0.0%	2.8%
Widowed	2.0%	12.5%
Divorced	8.1%	4.4%

Education

Less than 9th grade 0.0%

Some HS, no diploma 1.9%

HS graduate 15.8%

Some college, no degree 30.8%

Associate's degree 9.2%

Bachelor's degree 18.5%

Graduate / professional 23.8%

Metric	%
HS diploma or higher	98.1%
Bachelor's or higher	42.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	58	10.6%
Elementary school	343	62.8%
High school	72	13.2%
College / grad school	73	13.4%

Employment

Industry of employment

Education & healthcare 19.2%

Professional & management 13.8%

Public administration 10.8%

Construction 9.7%

Manufacturing 7.9%

Finance & real estate 7.7%

Retail trade 6.8%

Arts, food & hospitality 5.9%

Agriculture & mining 5.0%

Other services 4.9%

Wholesale trade 3.5%

Information 2.4%

Transportation & utilities 2.2%

Occupation

Category	%
Management, business & arts	43.2%
Service	13.8%
Sales & office	25.0%
Natural resources & construction	10.2%
Production & transportation	7.8%

Employment type

Type	%
Private sector	66.1%
Government	17.3%
Self-employed	16.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	58.4%
Carpool	6.8%
Public transit	0.0%
Walk	12.3%
Work from home	20.7%
Other means	1.8%
Avg commute (minutes)	31.4

Poverty

All people 10.9%

Under 18 years 42.2%

18 and over 6.6%

Married-couple families 1.4%

Female-led households 51.2%

Income support

Source	% of households
Social Security	58.1%
Retirement income	53.0%
Supplemental Security	1.1%
Cash public assistance	0.0%
Food stamps / SNAP	2.3%

Health indicators

Condition	%
Obesity	26.3%
High blood pressure	41.6%
High cholesterol	40.9%
Diabetes	13.5%
Heart disease	10.4%
Stroke	4.4%
Asthma	10.1%
Arthritis	37.9%
Kidney disease	4.4%
Pulmonary disease	8.6%
Cancer	11.8%

Behavior / access	%
Smoking	12.4%
Binge drinking	11.4%
No physical activity	17.3%
Less than 7 hrs sleep	26.9%
Depression	23.1%
Fair or poor health	15.5%
Poor mental health	11.5%
Poor physical health	12.4%
No health insurance	7.3%
Visited doctor (checkup)	74.6%
Visited dentist	69.7%
Cholesterol screening	94.4%
Teeth loss	9.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	825	18.3%

Disability	%
Any disability	17.7%
Under 18	3.9%
18–64 years	13.9%
65 and over	24.4%

Health insurance coverage

Type	%
Private insurance	73.4%
Public insurance	57.8%
No insurance	1.5%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	5,094	96.9%
Spanish	45	0.9%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	45	0.9%

Place of birth & citizenship

Origin	Count	%
Native born (US)	5,051	96.0%
Born in same state	4,909	93.3%
Born in different state	1,832	34.8%
Foreign born	142	2.7%
Naturalized citizen	208	4.0%
Not a US citizen	194	93.3%

Ancestry

Ancestry	Count	%
Italian	1,149	21.8%
French	1,059	20.1%
Arab	302	5.7%
Polish	261	5%

Ancestry	Count	%
Dutch	92	1.7%
English	62	1.2%
Irish	44	0.8%
Norwegian	13	0.2%

Technology access

Metric	% of households
Computer access	48.6%
Internet access	95.1%

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

Frequently asked questions about ZIP code 98365

What city is ZIP code 98365 in?

ZIP code 98365 is primarily assigned to Port Ludlow, Washington.

What county is ZIP code 98365 in?

ZIP code 98365 falls within Jefferson County, Washington.

Does ZIP code 98365 have an older population?

47% of residents in ZIP code 98365 are 65 or older, above the national average of ~17%.

Does ZIP code 98365 have a large retiree population?

58% of households in ZIP code 98365 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 98365 mostly owner-occupied?

91% of occupied units in ZIP code 98365 are owner-occupied, well above the national average.

Does ZIP code 98365 have a large veteran population?

18% of civilians in ZIP code 98365 are veterans, above the national average of ~7%.

What timezone is ZIP code 98365 in?

ZIP code 98365 observes the PST timezone.