98645 ZIP Code — Silverlake, WA

Cowlitz County, Washington

ZIP code 98645 is located in Silverlake, Washington, within Cowlitz County. It covers approximately 15.19 square miles and serves a population of 2,044 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 360/564.

About ZIP code 98645

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 $417,600. Owner-occupancy is high at 95%, well above the national average.

Median household income is $98,167. The poverty rate of 2% is below the national average. 55% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is sales and office, with education and healthcare as the leading industry. The average commute of 34 minutes is near the national average.

Educational attainment is near the national average, with 30% of residents holding a bachelor's degree or higher.

Overall, ZIP code 98645 reflects a community defined by high homeownership and a significant Social Security-dependent population.

2,044
population
15.19
sq mi land
Standard
ZIP type
Pacific (PT)
timezone
98645 ZIP code map
Cities in ZIP code 98645

Below are the cities the US Postal Service accepts for ZIP code 98645. Using any city not on this list may result in mail delivery delays.

City Status
Silverlake Acceptable
Demographics updated 05/2026
Population
Total population 2,044
Population density 135 / sq mi
State FIPS 53
County FIPS 015
Geography
Land area 15.19 sq mi
Water area 2.54 sq mi
Latitude 46.3152
Longitude -122.7815
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 30.0% 43.2% 31.7%
$50k – $100k 37.6% 32.8% 30.6%
$100k – $200k 30.8% 19.8% 27.1%
Over $200k 1.6% 4.2% 10.6%

Demographics & statistics

2,044
Population
135
People per sq mi
51.7
Median age
$98,167
Median household income
$45,059
Per capita income
$417,600
Median home value
$771
Median monthly rent
94.6%
Home ownership
2.4%
Poverty rate
8.2%
Unemployment
808
Housing units
29.8%
Bachelor's or higher

Age distribution

Male Female
6
Under 5
5
67
5–9
55
82
10–14
67
56
15–19
46
72
20–24
59
72
25–34
58
121
35–44
99
116
45–54
95
100
55–59
81
63
60–64
51
237
65–74
192
116
75–84
95
18
85+
15
← Male
Female →

Age summary

GroupCount%
Under 1837718.4%
18 and over1,66781.6%
65 and over67332.9%
Median age51.7 years

Race & ethnicity

White 87.5%
Two or more races 9.4%
Hispanic or Latino 2.6%
Asian 0.5%
GroupCount%
White1,83787.5%
Two or more races1979.4%
Hispanic or Latino552.6%
Asian100.5%

Household income

Income range This ZIP County avg State avg
Under $50k 30.0% 43.2% 31.7%
$50k – $100k 37.6% 32.8% 30.6%
$100k – $200k 30.8% 19.8% 27.1%
Over $200k 1.6% 4.2% 10.6%
Under $10k 1.0%
$10k–$15k 1.3%
$15k–$25k 4.3%
$25k–$35k 8.2%
$35k–$50k 6.8%
$50k–$75k 12.2%
$75k–$100k 17.6%
$100k–$150k 20.0%
$150k–$200k 20.8%
$200k+ 7.8%
Range% of households
Under $10k1.0%
$10k–$15k1.3%
$15k–$25k4.3%
$25k–$35k8.2%
$35k–$50k6.8%
$50k–$75k12.2%
$75k–$100k17.6%
$100k–$150k20.0%
$150k–$200k20.8%
$200k+7.8%
Median income$98,167

Housing

Home values

Under $50k 0.7%
$50k–$100k 4.5%
$100k–$150k 1.5%
$150k–$200k 4.1%
$200k–$300k 24.0%
$300k–$500k 30.5%
$500k–$1M 27.2%
$1M+ 7.6%

Housing overview

MetricValue
Median home value$417,600
Median rent / month$771
Owner occupied94.6%
Renter occupied5.4%
Vacant6.7%
Single-family detached85.3%
Large apartment buildings0.0%
Mobile homes14.7%
Median rooms6.5
Avg household size (owned)2.62

Year built

Era%
2020 or later1.8%
2010–201916.2%
2000–200918.1%
1990–199917.4%
1980–19896.6%
1970–197927.4%
1960–19695.5%
1950–19592.1%
1940–19493.1%
1939 or earlier1.9%

Bedrooms

Size% of units
No bedroom (studio)0.0%
1 bedroom2.2%
2 bedrooms10.5%
3 bedrooms62.0%
4 bedrooms20.3%
5+ bedrooms4.9%

Vehicles per household

Vehicles% of households
No vehicle0.0%
1 vehicle12.6%
2 vehicles38.0%
3 or more49.4%

Heating fuel

Fuel type%
Utility gas1.6%
Electricity78.8%
Propane / LP gas1.4%
Wood18.1%

Households & families

Household typeCount%
Married-couple family51965.4%
Cohabiting couple475.9%
Male householder, no spouse12916.2%
Female householder, no spouse9912.5%
Households with children under 1816721.0%
Households with seniors (65+)38949.0%
Average household size2.57

Marital status

StatusMaleFemale
Never married27.7%8.3%
Married56.4%74.0%
Separated0.8%0.0%
Widowed0.0%12.3%
Divorced15.1%5.4%

Education

Less than 9th grade 1.1%
Some HS, no diploma 5.4%
HS graduate 27.4%
Some college, no degree 26.4%
Associate's degree 10.0%
Bachelor's degree 22.7%
Graduate / professional 7.1%
Metric%
HS diploma or higher93.5%
Bachelor's or higher29.8%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool00.0%
Kindergarten00.0%
Elementary school17043.3%
High school9925.2%
College / grad school12431.6%

Employment

Industry of employment

Education & healthcare 19.1%
Transportation & utilities 16.5%
Arts, food & hospitality 13.7%
Retail trade 10.8%
Public administration 7.2%
Manufacturing 7.1%
Agriculture & mining 6.6%
Finance & real estate 6.2%
Professional & management 5.5%
Other services 4.5%
Construction 2.9%

Occupation

Category%
Management, business & arts18.4%
Service15.0%
Sales & office38.6%
Natural resources & construction14.7%
Production & transportation13.4%

Employment type

Type%
Private sector73.4%
Government22.6%
Self-employed4.0%
Unpaid family workers0.0%

Commute

Method%
Drive alone86.9%
Carpool7.6%
Public transit0.0%
Walk0.0%
Work from home5.5%
Other means0.0%
Avg commute (minutes)33.5

Poverty

All people 2.4%
Under 18 years 0.0%
18 and over 3.0%
Married-couple families 0.0%
Female-led households 0.0%

Income support

Source% of households
Social Security55.3%
Retirement income42.8%
Supplemental Security3.7%
Cash public assistance3.3%
Food stamps / SNAP8.7%

Health indicators

Condition%
Obesity37.0%
High blood pressure35.4%
High cholesterol34.6%
Diabetes9.7%
Heart disease7.0%
Stroke3.2%
Asthma11.9%
Arthritis29.3%
Kidney disease3.0%
Pulmonary disease7.5%
Cancer7.4%
Behavior / access%
Smoking18.7%
Binge drinking17.6%
No physical activity18.9%
Less than 7 hrs sleep36.9%
Depression30.0%
Fair or poor health14.3%
Poor mental health15.3%
Poor physical health11.5%
No health insurance10.0%
Visited doctor (checkup)70.5%
Visited dentist66.4%
Cholesterol screening89.6%
Teeth loss11.4%

Veterans & disability

VeteransCount%
Civilian veterans945.6%
Disability%
Any disability16.9%
Under 180.0%
18–64 years14.9%
65 and over29.3%

Health insurance coverage

Type%
Private insurance80.1%
Public insurance46.5%
No insurance2.0%
Uninsured under 190.0%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only2,03399.5%
Spanish50.2%
Other Indo-European00.0%
Asian & Pacific Islander50.2%
Other languages00.0%

Place of birth & citizenship

OriginCount%
Native born (US)2,01698.6%
Born in same state2,01398.5%
Born in different state1,08753.2%
Foreign born30.1%
Naturalized citizen281.4%
Not a US citizen1864.3%

Ancestry

AncestryCount%
Italian39619.4%
French39519.3%
Polish1999.7%
English1909.3%
AncestryCount%
Arab1175.7%
Dutch90.4%
German70.3%

Technology access

Metric% of households
Computer access38.8%
Internet access97.7%

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

Frequently asked questions about ZIP code 98645

What city is ZIP code 98645 in?

ZIP code 98645 is primarily assigned to Silverlake, Washington.

What county is ZIP code 98645 in?

ZIP code 98645 falls within Cowlitz County, Washington.

Does ZIP code 98645 have an older population?

33% of residents in ZIP code 98645 are 65 or older, above the national average of ~17%.

Is ZIP code 98645 mostly owner-occupied?

95% of occupied units in ZIP code 98645 are owner-occupied, well above the national average.

Does ZIP code 98645 have a large retiree population?

55% of households in ZIP code 98645 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 98645?

The median home value in ZIP code 98645 is $417,600.

What timezone is ZIP code 98645 in?

ZIP code 98645 observes the PST timezone.

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