98295 ZIP Code — Sumas, WA
Whatcom County, Washington
ZIP code 98295 is located in Sumas, Washington, within Whatcom County. It covers approximately 31.27 square miles and serves a population of 3,033 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 360/564.
About ZIP code 98295
The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $340,400. Owner-occupancy sits near the national average at 62%.
Median household income is $91,060. The poverty rate of 6% is below the national average.
The dominant occupation class is management, business, and professional, with construction as the leading industry. The average commute of 27 minutes is near the national average.
College attainment at 17% is below the national average, consistent with a trades and production-oriented local economy.
3,033
population
31.27
sq mi land
Standard
ZIP type
Pacific (PT)
timezone
98295 ZIP code map
Cities in ZIP code 98295
Below are the cities the US Postal Service accepts for ZIP code 98295. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Sumas | Acceptable |
| Sumas | Preferred |
Nearby ZIP codes
98276 Nooksack (4.2 mi)
98247 Everson (5.3 mi)
98266 Maple Falls (7.3 mi)
98264 Lynden (8.5 mi)
98244 Deming (12.8 mi)
98226 Bellingham (15.2 mi)
98240 Custer (17.4 mi)
98248 Ferndale (18.2 mi)
98220 Acme (18.6 mi)
98225 Bellingham (19.2 mi)
98229 Bellingham (19.9 mi)
Demographics
updated 06/2026
| Population | |
|---|---|
| Total population | 3,033 |
| Population density | 97 / sq mi |
| State FIPS | 53 |
| County FIPS | 073 |
| Geography | |
|---|---|
| Land area | 31.27 sq mi |
| Water area | 0.16 sq mi |
| Latitude | 48.9499 |
| Longitude | -122.2338 |
| 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 | 30.9% | 37.7% | 31.7% |
| $50k – $100k | 50.1% | 33.5% | 30.6% |
| $100k – $200k | 17.6% | 23.7% | 27.1% |
| Over $200k | 1.4% | 5.1% | 10.6% |
Demographics & statistics
3,033
Population
97
People per sq mi
37.2
Median age
$91,060
Median household income
$34,311
Per capita income
$340,400
Median home value
$1,122
Median monthly rent
62.1%
Home ownership
5.6%
Poverty rate
2.4%
Unemployment
711
Housing units
16.5%
Bachelor's or higher
Age distribution
Male
Female
137
Under 5
123
206
5–9
184
85
10–14
76
70
15–19
63
67
20–24
60
185
25–34
166
341
35–44
306
163
45–54
147
90
55–59
81
69
60–64
61
122
65–74
110
46
75–84
41
18
85+
16
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 905 | 29.8% |
| 18 and over | 2,128 | 70.2% |
| 65 and over | 353 | 11.6% |
| Median age | 37.2 years | |
Race & ethnicity
White
85.9%
Two or more races
4.1%
Hispanic or Latino
3.7%
Other race
3.2%
American Indian / Alaska Native
1.6%
Asian
1.3%
Black or African American
0.3%
| Group | Count | % |
|---|---|---|
| White | 2,705 | 85.9% |
| Two or more races | 128 | 4.1% |
| Hispanic or Latino | 115 | 3.7% |
| Other race | 102 | 3.2% |
| American Indian / Alaska Native | 49 | 1.6% |
| Asian | 40 | 1.3% |
| Black or African American | 9 | 0.3% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 30.9% | 37.7% | 31.7% |
| $50k – $100k | 50.1% | 33.5% | 30.6% |
| $100k – $200k | 17.6% | 23.7% | 27.1% |
| Over $200k | 1.4% | 5.1% | 10.6% |
Under $10k
1.5%
$10k–$15k
7.5%
$15k–$25k
3.7%
$25k–$35k
4.9%
$35k–$50k
5.6%
$50k–$75k
12.3%
$75k–$100k
26.7%
$100k–$150k
25.6%
$150k–$200k
7.5%
$200k+
4.7%
| Range | % of households |
|---|---|
| Under $10k | 1.5% |
| $10k–$15k | 7.5% |
| $15k–$25k | 3.7% |
| $25k–$35k | 4.9% |
| $35k–$50k | 5.6% |
| $50k–$75k | 12.3% |
| $75k–$100k | 26.7% |
| $100k–$150k | 25.6% |
| $150k–$200k | 7.5% |
| $200k+ | 4.7% |
| Median income | $91,060 |
Housing
Home values
Under $50k
0.3%
$50k–$100k
0.6%
$100k–$150k
6.2%
$150k–$200k
11.5%
$200k–$300k
20.9%
$300k–$500k
35.9%
$500k–$1M
22.5%
$1M+
2.1%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $340,400 |
| Median rent / month | $1,122 |
| Owner occupied | 62.1% |
| Renter occupied | 37.9% |
| Vacant | 2.8% |
| Single-family detached | 81.3% |
| Large apartment buildings | 0.2% |
| Mobile homes | 8.4% |
| Median rooms | 4.5 |
| Avg household size (owned) | 2.73 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.0% |
| 2010–2019 | 14.5% |
| 2000–2009 | 10.2% |
| 1990–1999 | 8.4% |
| 1980–1989 | 28.3% |
| 1970–1979 | 11.4% |
| 1960–1969 | 5.1% |
| 1950–1959 | 5.2% |
| 1940–1949 | 3.6% |
| 1939 or earlier | 13.3% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 0.0% |
| 1 bedroom | 5.2% |
| 2 bedrooms | 22.6% |
| 3 bedrooms | 54.5% |
| 4 bedrooms | 16.1% |
| 5+ bedrooms | 1.6% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 1.4% |
| 1 vehicle | 21.1% |
| 2 vehicles | 21.6% |
| 3 or more | 55.9% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 28.7% |
| Electricity | 57.7% |
| Propane / LP gas | 6.2% |
| Fuel oil | 1.6% |
| Wood | 5.8% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 756 | 69.1% |
| Cohabiting couple | 16 | 1.5% |
| Male householder, no spouse | 173 | 15.8% |
| Female householder, no spouse | 149 | 13.6% |
| Households with children under 18 | 532 | 48.6% |
| Households with seniors (65+) | 281 | 25.7% |
| Average household size | 2.77 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 26.2% | 11.0% |
| Married | 67.2% | 72.8% |
| Separated | 0.3% | 0.4% |
| Widowed | 2.0% | 7.3% |
| Divorced | 4.2% | 8.5% |
Education
Less than 9th grade
4.5%
Some HS, no diploma
5.5%
HS graduate
23.8%
Some college, no degree
32.9%
Associate's degree
16.9%
Bachelor's degree
8.1%
Graduate / professional
8.4%
| Metric | % |
|---|---|
| HS diploma or higher | 90.0% |
| Bachelor's or higher | 16.5% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 54 | 6.9% |
| Kindergarten | 160 | 20.5% |
| Elementary school | 349 | 44.8% |
| High school | 86 | 11.0% |
| College / grad school | 130 | 16.7% |
Employment
Industry of employment
Construction
21.2%
Other services
16.8%
Education & healthcare
13.8%
Public administration
7.9%
Professional & management
7.0%
Transportation & utilities
6.5%
Manufacturing
5.7%
Retail trade
5.6%
Arts, food & hospitality
5.2%
Finance & real estate
4.4%
Agriculture & mining
3.5%
Wholesale trade
1.3%
Information
1.1%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 26.6% |
| Service | 25.1% |
| Sales & office | 15.2% |
| Natural resources & construction | 22.9% |
| Production & transportation | 10.2% |
Employment type
| Type | % |
|---|---|
| Private sector | 80.8% |
| Government | 14.3% |
| Self-employed | 4.5% |
| Unpaid family workers | 0.5% |
Commute
| Method | % |
|---|---|
| Drive alone | 85.2% |
| Carpool | 4.7% |
| Public transit | 0.0% |
| Walk | 2.1% |
| Work from home | 7.9% |
| Other means | 0.1% |
| Avg commute (minutes) | 27.0 |
Poverty
All people
5.6%
Under 18 years
3.9%
18 and over
6.2%
Married-couple families
1.5%
Female-led households
23.8%
Income support
| Source | % of households |
|---|---|
| Social Security | 26.5% |
| Retirement income | 13.6% |
| Supplemental Security | 5.2% |
| Cash public assistance | 2.6% |
| Food stamps / SNAP | 5.4% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 29.6% |
| High blood pressure | 28.8% |
| High cholesterol | 30.5% |
| Diabetes | 8.7% |
| Heart disease | 5.8% |
| Stroke | 2.9% |
| Asthma | 11.3% |
| Arthritis | 23.8% |
| Kidney disease | 2.7% |
| Pulmonary disease | 6.7% |
| Cancer | 5.8% |
| Behavior / access | % |
|---|---|
| Smoking | 19.0% |
| Binge drinking | 20.8% |
| No physical activity | 18.3% |
| Less than 7 hrs sleep | 29.6% |
| Depression | 29.6% |
| Fair or poor health | 14.6% |
| Poor mental health | 17.1% |
| Poor physical health | 11.2% |
| No health insurance | 13.3% |
| Visited doctor (checkup) | 66.5% |
| Visited dentist | 63.1% |
| Cholesterol screening | 84.2% |
| Teeth loss | 14.0% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 101 | 4.7% |
| Disability | % |
|---|---|
| Any disability | 18.2% |
| Under 18 | 3.2% |
| 18–64 years | 20.8% |
| 65 and over | 43.6% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 72.2% |
| Public insurance | 28.0% |
| No insurance | 7.2% |
| Uninsured under 19 | 1.0% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 2,773 | 91.4% |
| Spanish | 193 | 7.0% |
| Other Indo-European | 81 | 2.9% |
| Asian & Pacific Islander | 100 | 3.6% |
| Other languages | 12 | 0.4% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 2,802 | 92.4% |
| Born in same state | 2,741 | 90.4% |
| Born in different state | 1,976 | 65.2% |
| Foreign born | 61 | 2.0% |
| Naturalized citizen | 231 | 7.6% |
| Not a US citizen | 149 | 64.5% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Polish | 696 | 22.9% |
| English | 455 | 15% |
| French | 339 | 11.2% |
| Italian | 131 | 4.3% |
| Ancestry | Count | % |
|---|---|---|
| Arab | 65 | 2.1% |
| German | 31 | 1% |
| Dutch | 18 | 0.6% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 36.1% |
| Internet access | 95.7% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 98295
What city is ZIP code 98295 in?
ZIP code 98295 is primarily assigned to Sumas, Washington.
What county is ZIP code 98295 in?
ZIP code 98295 falls within Whatcom County, Washington.
What is the typical home value in ZIP code 98295?
The median home value in ZIP code 98295 is $340,400.
What is the population of ZIP code 98295?
ZIP code 98295 has an estimated population of 3,033 residents, with a density of 97 people per square mile.
What is the median household income in ZIP code 98295?
The median household income in ZIP code 98295 is $91,060, above the national median of ~$75,000.
What timezone is ZIP code 98295 in?
ZIP code 98295 observes the PST timezone.