99181 ZIP Code — Valley, WA

Stevens County, Washington

ZIP code 99181 is located in Valley, Washington, within Stevens County. It covers approximately 91.29 square miles and serves a population of 1,928 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 509.

About ZIP code 99181

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 $227,200. Owner-occupancy is high at 84%, well above the national average.

Median household income is $56,053. Poverty affects 22% of residents, above the national average. 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. An above-average commute of 51 minutes suggests many residents work outside the immediate area.

College attainment at 13% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (22%) compared to national benchmarks.

Overall, ZIP code 99181 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, high homeownership, and a significant Social Security-dependent population.

1,928

population

91.29

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

99181 ZIP code map

Cities in ZIP code 99181

Below are the cities the US Postal Service accepts for ZIP code 99181. Using any city not on this list may result in mail delivery delays.

City	Status
Valley	Preferred

Nearby ZIP codes

99173 Springdale (9.6 mi) 99109 Chewelah (10 mi) 99148 Loon Lake (10.4 mi) 99137 Hunters (14 mi) 99110 Clayton (14.9 mi) 99101 Addy (15.7 mi) 99013 Ford (17.2 mi) 99006 Deer Park (17.5 mi) 99131 Gifford (18.1 mi) 99040 Wellpinit (19.7 mi)

Demographics updated 05/2026

Population
Total population	1,928
Population density	21 / sq mi
State FIPS	53
County FIPS	065

Geography
Land area	91.29 sq mi
Water area	1.05 sq mi
Latitude	48.1369
Longitude	-117.8146
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	46.6%	49.6%	31.7%
$50k – $100k	34.6%	31.1%	30.6%
$100k – $200k	15.9%	15.5%	27.1%
Over $200k	3.0%	3.8%	10.6%

Demographics & statistics

1,928

Population

People per sq mi

54.4

Median age

$56,053

Median household income

$28,643

Per capita income

$227,200

Median home value

$875

Median monthly rent

84.2%

Home ownership

21.8%

Poverty rate

10.0%

Unemployment

1,005

Housing units

13.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

101

25–34

102

35–44

45–54

55–59

100

60–64

271

65–74

241

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	403	20.9%
18 and over	1,525	79.1%
65 and over	657	34.1%
Median age	54.4 years

Race & ethnicity

White 94%

Two or more races 3.1%

Hispanic or Latino 1.4%

Other race 1.2%

Black or African American 0.3%

Group	Count	%
White	1,838	94%
Two or more races	60	3.1%
Hispanic or Latino	28	1.4%
Other race	24	1.2%
Black or African American	6	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	46.6%	49.6%	31.7%
$50k – $100k	34.6%	31.1%	30.6%
$100k – $200k	15.9%	15.5%	27.1%
Over $200k	3.0%	3.8%	10.6%

Under $10k 6.1%

$10k–$15k 4.7%

$15k–$25k 8.5%

$25k–$35k 15.0%

$35k–$50k 11.6%

$50k–$75k 29.1%

$75k–$100k 6.1%

$100k–$150k 10.5%

$150k–$200k 5.2%

$200k+ 3.1%

Range	% of households
Under $10k	6.1%
$10k–$15k	4.7%
$15k–$25k	8.5%
$25k–$35k	15.0%
$35k–$50k	11.6%
$50k–$75k	29.1%
$75k–$100k	6.1%
$100k–$150k	10.5%
$150k–$200k	5.2%
$200k+	3.1%
Median income	$56,053

Housing

Home values

Under $50k 7.6%

$50k–$100k 8.4%

$100k–$150k 17.6%

$150k–$200k 12.3%

$200k–$300k 16.0%

$300k–$500k 29.6%

$500k–$1M 8.0%

$1M+ 0.5%

Housing overview

Metric	Value
Median home value	$227,200
Median rent / month	$875
Owner occupied	84.2%
Renter occupied	15.8%
Vacant	21.9%
Single-family detached	70.1%
Large apartment buildings	0.0%
Mobile homes	27.2%
Median rooms	4.9
Avg household size (owned)	2.06

Year built

Era	%
2020 or later	0.9%
2010–2019	2.2%
2000–2009	12.5%
1990–1999	24.5%
1980–1989	6.0%
1970–1979	21.1%
1960–1969	16.6%
1950–1959	5.1%
1940–1949	4.1%
1939 or earlier	7.1%

Bedrooms

Size	% of units
No bedroom (studio)	4.1%
1 bedroom	17.7%
2 bedrooms	27.5%
3 bedrooms	30.6%
4 bedrooms	16.8%
5+ bedrooms	3.3%

Vehicles per household

Vehicles	% of households
No vehicle	1.2%
1 vehicle	30.4%
2 vehicles	28.7%
3 or more	39.7%

Heating fuel

Fuel type	%
Utility gas	1.9%
Electricity	51.2%
Propane / LP gas	7.0%
Fuel oil	0.9%
Wood	37.6%

Households & families

Household type	Count	%
Married-couple family	453	50.6%
Cohabiting couple	89	9.9%
Male householder, no spouse	163	18.2%
Female householder, no spouse	191	21.3%
Households with children under 18	160	17.9%
Households with seniors (65+)	477	53.2%
Average household size	2.15

Marital status

Status	Male	Female
Never married	26.3%	9.5%
Married	57.7%	64.1%
Separated	1.4%	0.6%
Widowed	3.3%	15.7%
Divorced	11.3%	10.0%

Education

Less than 9th grade 2.3%

Some HS, no diploma 3.7%

HS graduate 42.1%

Some college, no degree 27.1%

Associate's degree 11.9%

Bachelor's degree 7.0%

Graduate / professional 6.0%

Metric	%
HS diploma or higher	94.0%
Bachelor's or higher	13.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	29	7.5%
Kindergarten	25	6.5%
Elementary school	250	64.9%
High school	42	10.9%
College / grad school	39	10.1%

Employment

Industry of employment

Education & healthcare 37.4%

Construction 19.3%

Transportation & utilities 9.8%

Arts, food & hospitality 7.5%

Retail trade 6.5%

Agriculture & mining 6.3%

Finance & real estate 4.6%

Manufacturing 4.0%

Other services 2.5%

Professional & management 1.0%

Information 0.6%

Public administration 0.6%

Occupation

Category	%
Management, business & arts	46.7%
Service	14.4%
Sales & office	12.1%
Natural resources & construction	10.3%
Production & transportation	16.5%

Employment type

Type	%
Private sector	60.9%
Government	31.8%
Self-employed	7.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	78.2%
Carpool	7.5%
Public transit	0.6%
Walk	0.0%
Work from home	13.7%
Other means	0.0%
Avg commute (minutes)	50.6

Poverty

All people 21.8%

Under 18 years 38.0%

18 and over 17.5%

Married-couple families 13.2%

Female-led households 50.0%

Income support

Source	% of households
Social Security	58.1%
Retirement income	46.0%
Supplemental Security	5.2%
Cash public assistance	0.7%
Food stamps / SNAP	16.5%

Health indicators

Condition	%
Obesity	33.9%
High blood pressure	37.6%
High cholesterol	35.2%
Diabetes	12.1%
Heart disease	8.8%
Stroke	4.3%
Asthma	11.7%
Arthritis	32.0%
Kidney disease	3.9%
Pulmonary disease	10.4%
Cancer	7.9%

Behavior / access	%
Smoking	21.5%
Binge drinking	15.0%
No physical activity	24.0%
Less than 7 hrs sleep	34.6%
Depression	26.5%
Fair or poor health	19.4%
Poor mental health	15.9%
Poor physical health	14.5%
No health insurance	11.9%
Visited doctor (checkup)	67.0%
Visited dentist	54.6%
Cholesterol screening	88.4%
Teeth loss	16.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	162	10.6%

Disability	%
Any disability	17.8%
Under 18	1.5%
18–64 years	20.7%
65 and over	23.9%

Health insurance coverage

Type	%
Private insurance	52.2%
Public insurance	64.7%
No insurance	4.0%
Uninsured under 19	3.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,842	95.5%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,904	98.8%
Born in same state	1,880	97.5%
Born in different state	1,288	66.8%
Foreign born	24	1.2%
Naturalized citizen	24	1.2%
Not a US citizen	20	83.3%

Ancestry

Ancestry	Count	%
Italian	216	11.2%
Arab	203	10.5%
French	162	8.4%
Polish	89	4.6%

Ancestry	Count	%
Norwegian	9	0.5%
Dutch	5	0.3%
English	4	0.2%

Technology access

Metric	% of households
Computer access	46.5%
Internet access	91.3%

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

Frequently asked questions about ZIP code 99181

What city is ZIP code 99181 in?

ZIP code 99181 is primarily assigned to Valley, Washington.

What county is ZIP code 99181 in?

ZIP code 99181 falls within Stevens County, Washington.

Does ZIP code 99181 have an older population?

34% of residents in ZIP code 99181 are 65 or older, above the national average of ~17%.

Does ZIP code 99181 have a large retiree population?

58% of households in ZIP code 99181 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 99181?

22% of residents in ZIP code 99181 live below the poverty line, above the national average.

How educated is the population of ZIP code 99181?

13% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What timezone is ZIP code 99181 in?

ZIP code 99181 observes the PST timezone.