98651 ZIP Code — Underwood, WA

Skamania County, Washington

ZIP code 98651 is located in Underwood, Washington, within Skamania County. It covers approximately 13.27 square miles and serves a population of 944 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 509.

About ZIP code 98651

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $579,400. Owner-occupancy is high at 91%, well above the national average.

The gap between median ($81,071) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 4% is below the national average. 49% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with construction as the leading industry. The average commute of 20 minutes is near the national average. Remote work is prevalent — 29% of workers work from home.

Educational attainment is high — 49% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 98651 reflects a community defined by high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

944

population

13.27

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

98651 ZIP code map

Cities in ZIP code 98651

Below are the cities the US Postal Service accepts for ZIP code 98651. Using any city not on this list may result in mail delivery delays.

City	Status
Underwood	Preferred

Nearby ZIP codes

98605 Bingen (3.3 mi) 98672 White Salmon (9.2 mi) 97040 Mosier (11.9 mi) 97031 Hood River (12.7 mi) 98610 Carson (13.9 mi) 97014 Cascade Locks (15.6 mi) 98650 Trout Lake (16.6 mi) 98635 Lyle (17.4 mi)

Demographics updated 05/2026

Population
Total population	944
Population density	71 / sq mi
State FIPS	53
County FIPS	059

Geography
Land area	13.27 sq mi
Water area	2.68 sq mi
Latitude	45.7388
Longitude	-121.5776
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	27.0%	38.5%	31.7%
$50k – $100k	22.2%	28.3%	30.6%
$100k – $200k	30.1%	28.4%	27.1%
Over $200k	20.7%	4.8%	10.6%

Demographics & statistics

944

Population

People per sq mi

53.8

Median age

$81,071

Median household income

$70,267

Per capita income

$579,400

Median home value

$1,000

Median monthly rent

91.1%

Home ownership

4.4%

Poverty rate

1.3%

Unemployment

425

Housing units

49.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	143	15.1%
18 and over	801	84.9%
65 and over	209	22.1%
Median age	53.8 years

Race & ethnicity

White 92.3%

Two or more races 4.1%

Hispanic or Latino 2.3%

Other race 1.2%

Group	Count	%
White	892	92.3%
Two or more races	40	4.1%
Hispanic or Latino	22	2.3%
Other race	12	1.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	27.0%	38.5%	31.7%
$50k – $100k	22.2%	28.3%	30.6%
$100k – $200k	30.1%	28.4%	27.1%
Over $200k	20.7%	4.8%	10.6%

$15k–$25k 5.1%

$25k–$35k 12.6%

$35k–$50k 7.0%

$50k–$75k 18.9%

$75k–$100k 10.0%

$100k–$150k 11.2%

$150k–$200k 15.2%

$200k+ 19.9%

Range	% of households
$15k–$25k	5.1%
$25k–$35k	12.6%
$35k–$50k	7.0%
$50k–$75k	18.9%
$75k–$100k	10.0%
$100k–$150k	11.2%
$150k–$200k	15.2%
$200k+	19.9%
Median income	$81,071

Housing

Home values

Under $50k 9.0%

$100k–$150k 1.8%

$200k–$300k 3.1%

$300k–$500k 29.2%

$500k–$1M 50.3%

$1M+ 6.7%

Housing overview

Metric	Value
Median home value	$579,400
Median rent / month	$1,000
Owner occupied	91.1%
Renter occupied	8.9%
Vacant	7.6%
Single-family detached	75.6%
Large apartment buildings	0.0%
Mobile homes	11.2%
Median rooms	6.6
Avg household size (owned)	2.25

Year built

Era	%
2020 or later	0.0%
2010–2019	3.0%
2000–2009	16.8%
1990–1999	28.5%
1980–1989	16.0%
1970–1979	13.2%
1960–1969	1.9%
1950–1959	4.1%
1940–1949	5.2%
1939 or earlier	11.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	9.1%
2 bedrooms	25.3%
3 bedrooms	43.4%
4 bedrooms	22.2%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	2.8%
1 vehicle	7.7%
2 vehicles	44.2%
3 or more	45.3%

Heating fuel

Fuel type	%
Electricity	44.9%
Propane / LP gas	31.8%
Wood	22.0%

Households & families

Household type	Count	%
Married-couple family	228	53.3%
Cohabiting couple	43	10.0%
Male householder, no spouse	78	18.2%
Female householder, no spouse	79	18.5%
Households with children under 18	74	17.3%
Households with seniors (65+)	153	35.7%
Average household size	2.21

Marital status

Status	Male	Female
Never married	14.7%	18.2%
Married	60.2%	55.7%
Separated	0.0%	0.0%
Widowed	2.5%	14.4%
Divorced	22.6%	11.8%

Education

Less than 9th grade 2.2%

Some HS, no diploma 3.5%

HS graduate 20.3%

Some college, no degree 14.7%

Associate's degree 10.3%

Bachelor's degree 28.1%

Graduate / professional 20.9%

Metric	%
HS diploma or higher	94.3%
Bachelor's or higher	49.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	7	5.3%
Kindergarten	22	16.8%
Elementary school	40	30.5%
High school	38	29.0%
College / grad school	24	18.3%

Employment

Industry of employment

Construction 20.0%

Education & healthcare 17.1%

Information 12.9%

Manufacturing 11.1%

Retail trade 10.2%

Other services 8.0%

Arts, food & hospitality 7.6%

Professional & management 6.2%

Transportation & utilities 3.3%

Agriculture & mining 2.7%

Public administration 0.7%

Occupation

Category	%
Management, business & arts	55.9%
Service	5.6%
Sales & office	19.4%
Natural resources & construction	12.0%
Production & transportation	7.1%

Employment type

Type	%
Private sector	68.4%
Government	8.7%
Self-employed	20.7%
Unpaid family workers	2.2%

Commute

Method	%
Drive alone	63.9%
Carpool	7.4%
Public transit	0.0%
Walk	0.0%
Work from home	28.7%
Other means	0.0%
Avg commute (minutes)	19.6

Poverty

All people 4.4%

Under 18 years 5.6%

18 and over 4.2%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	49.3%
Retirement income	33.4%
Supplemental Security	2.3%
Cash public assistance	2.1%
Food stamps / SNAP	6.3%

Health indicators

Condition	%
Obesity	33.0%
High blood pressure	33.2%
High cholesterol	32.8%
Diabetes	9.5%
Heart disease	6.6%
Stroke	3.1%
Asthma	10.8%
Arthritis	28.6%
Kidney disease	3.0%
Pulmonary disease	6.9%
Cancer	7.3%

Behavior / access	%
Smoking	15.7%
Binge drinking	16.9%
No physical activity	18.3%
Less than 7 hrs sleep	32.3%
Depression	26.8%
Fair or poor health	14.6%
Poor mental health	14.5%
Poor physical health	11.3%
No health insurance	10.5%
Visited doctor (checkup)	70.1%
Visited dentist	62.6%
Cholesterol screening	89.8%
Teeth loss	11.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	42	5.2%

Disability	%
Any disability	11.1%
Under 18	0.0%
18–64 years	8.1%
65 and over	27.3%

Health insurance coverage

Type	%
Private insurance	81.4%
Public insurance	30.9%
No insurance	3.2%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	900	95.3%
Spanish	9	1.0%
Other Indo-European	9	1.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	894	94.7%
Born in same state	868	91.9%
Born in different state	225	23.8%
Foreign born	26	2.8%
Naturalized citizen	50	5.3%
Not a US citizen	9	18.0%

Ancestry

Ancestry	Count	%
French	174	18.4%
Italian	90	9.5%
Arab	41	4.3%

Ancestry	Count	%
English	36	3.8%
Polish	32	3.4%
Norwegian	9	1%

Technology access

Metric	% of households
Computer access	45.3%
Internet access	94.6%

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

Frequently asked questions about ZIP code 98651

What city is ZIP code 98651 in?

ZIP code 98651 is primarily assigned to Underwood, Washington.

What county is ZIP code 98651 in?

ZIP code 98651 falls within Skamania County, Washington.

Is ZIP code 98651 mostly owner-occupied?

91% of occupied units in ZIP code 98651 are owner-occupied, well above the national average.

Does ZIP code 98651 have a large retiree population?

49% of households in ZIP code 98651 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 98651?

49% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the typical home value in ZIP code 98651?

The median home value in ZIP code 98651 is $579,400.

What timezone is ZIP code 98651 in?

ZIP code 98651 observes the PST timezone.