98862 ZIP Code — Winthrop, WA

Okanogan County, Washington

ZIP code 98862 is located in Winthrop, Washington, within Okanogan County. It covers approximately 477.98 square miles and serves a population of 3,075 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 509.

About ZIP code 98862

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 $580,500. Owner-occupancy sits near the national average at 73%.

The gap between median ($57,395) and mean household income suggests income inequality — a small number of higher earners pull the average up. 41% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with arts, entertainment, and food service as the leading industry. The average commute of 17 minutes is near the national average. Remote work is prevalent — 21% of workers work from home.

Educational attainment is high — 64% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Notable community characteristics include a notable veteran presence at 11% of civilians, above the national average of 7%.

Overall, ZIP code 98862 reflects a community defined by a highly educated population, a strong veteran community, a high rate of remote workers, and a significant Social Security-dependent population.

3,075
population
477.98
sq mi land
Standard
ZIP type
Pacific (PT)
timezone
98862 ZIP code map
Cities in ZIP code 98862

Below are the cities the US Postal Service accepts for ZIP code 98862. Using any city not on this list may result in mail delivery delays.

City Status
Winthrop Preferred
Nearby ZIP codes
98856 Twisp (12 mi) 98814 Carlton (19.6 mi)
Demographics updated 05/2026
Population
Total population 3,075
Population density 6 / sq mi
State FIPS 53
County FIPS 047
Geography
Land area 477.98 sq mi
Water area 1.00 sq mi
Latitude 48.5048
Longitude -120.1238
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 41.7% 52.2% 31.7%
$50k – $100k 31.8% 31.7% 30.6%
$100k – $200k 22.8% 13.9% 27.1%
Over $200k 3.7% 2.2% 10.6%

Demographics & statistics

3,075
Population
6
People per sq mi
54.0
Median age
$57,395
Median household income
$44,174
Per capita income
$580,500
Median home value
$1,020
Median monthly rent
72.5%
Home ownership
13.8%
Poverty rate
2.6%
Unemployment
1,885
Housing units
63.8%
Bachelor's or higher

Age distribution

Male Female
71
Under 5
69
90
5–9
87
58
10–14
55
77
15–19
73
64
20–24
61
104
25–34
100
169
35–44
163
166
45–54
160
86
55–59
82
189
60–64
182
270
65–74
258
158
75–84
151
67
85+
65
← Male
Female →

Age summary

GroupCount%
Under 1853017.2%
18 and over2,54582.8%
65 and over96931.5%
Median age54.0 years

Race & ethnicity

White 67.7%
Hispanic or Latino 15.6%
Two or more races 8.9%
Other race 7.3%
Black or African American 0.5%
American Indian / Alaska Native 0.1%
GroupCount%
White2,46667.7%
Hispanic or Latino57015.6%
Two or more races3248.9%
Other race2667.3%
Black or African American170.5%
American Indian / Alaska Native20.1%

Household income

Income range This ZIP County avg State avg
Under $50k 41.7% 52.2% 31.7%
$50k – $100k 31.8% 31.7% 30.6%
$100k – $200k 22.8% 13.9% 27.1%
Over $200k 3.7% 2.2% 10.6%
$10k–$15k 7.9%
$15k–$25k 0.6%
$25k–$35k 14.5%
$35k–$50k 14.7%
$50k–$75k 21.1%
$75k–$100k 10.9%
$100k–$150k 6.7%
$150k–$200k 12.8%
$200k+ 10.8%
Range% of households
$10k–$15k7.9%
$15k–$25k0.6%
$25k–$35k14.5%
$35k–$50k14.7%
$50k–$75k21.1%
$75k–$100k10.9%
$100k–$150k6.7%
$150k–$200k12.8%
$200k+10.8%
Median income$57,395

Housing

Home values

$50k–$100k 0.3%
$150k–$200k 0.2%
$200k–$300k 12.1%
$300k–$500k 29.3%
$500k–$1M 48.8%
$1M+ 9.3%

Housing overview

MetricValue
Median home value$580,500
Median rent / month$1,020
Owner occupied72.5%
Renter occupied27.5%
Vacant37.5%
Single-family detached81.4%
Large apartment buildings0.0%
Mobile homes8.8%
Median rooms5.1
Avg household size (owned)2.03

Year built

Era%
2020 or later0.6%
2010–20191.3%
2000–200924.1%
1990–199938.6%
1980–198917.3%
1970–19795.0%
1960–19695.0%
1950–19593.8%
1940–19492.6%
1939 or earlier1.8%

Bedrooms

Size% of units
No bedroom (studio)2.9%
1 bedroom13.1%
2 bedrooms33.6%
3 bedrooms37.6%
4 bedrooms9.1%
5+ bedrooms3.7%

Vehicles per household

Vehicles% of households
No vehicle2.0%
1 vehicle18.5%
2 vehicles52.1%
3 or more27.3%

Heating fuel

Fuel type%
Utility gas0.2%
Electricity49.8%
Propane / LP gas23.9%
Wood25.0%
Solar0.8%
No fuel used0.1%

Households & families

Household typeCount%
Married-couple family86660.9%
Cohabiting couple1389.7%
Male householder, no spouse24016.9%
Female householder, no spouse17912.6%
Households with children under 1831722.3%
Households with seniors (65+)61443.1%
Average household size2.14

Marital status

StatusMaleFemale
Never married21.9%16.1%
Married61.3%68.3%
Separated0.5%1.2%
Widowed3.7%5.9%
Divorced12.6%8.5%

Education

Less than 9th grade 1.4%
Some HS, no diploma 1.5%
HS graduate 13.3%
Some college, no degree 12.3%
Associate's degree 7.7%
Bachelor's degree 40.7%
Graduate / professional 23.2%
Metric%
HS diploma or higher97.1%
Bachelor's or higher63.8%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool153.1%
Kindergarten275.5%
Elementary school24850.8%
High school12225.0%
College / grad school7615.6%

Employment

Industry of employment

Arts, food & hospitality 23.1%
Education & healthcare 19.7%
Professional & management 13.5%
Agriculture & mining 9.3%
Finance & real estate 9.2%
Construction 7.4%
Public administration 6.7%
Manufacturing 3.3%
Retail trade 3.3%
Other services 1.8%
Wholesale trade 1.3%
Transportation & utilities 0.8%
Information 0.6%

Occupation

Category%
Management, business & arts49.3%
Service22.7%
Sales & office10.1%
Natural resources & construction11.8%
Production & transportation6.1%

Employment type

Type%
Private sector61.7%
Government22.3%
Self-employed11.8%
Unpaid family workers4.2%

Commute

Method%
Drive alone54.6%
Carpool11.1%
Public transit0.0%
Walk12.8%
Work from home21.3%
Other means0.2%
Avg commute (minutes)17.0

Poverty

All people 13.8%
Under 18 years 25.8%
18 and over 11.3%
Married-couple families 11.5%
Female-led households 0.0%

Income support

Source% of households
Social Security40.8%
Retirement income26.8%
Supplemental Security3.9%
Cash public assistance3.6%
Food stamps / SNAP1.2%

Health indicators

Condition%
Obesity30.0%
High blood pressure32.8%
High cholesterol33.9%
Diabetes9.6%
Heart disease6.7%
Stroke2.9%
Asthma10.2%
Arthritis29.2%
Kidney disease3.0%
Pulmonary disease6.3%
Cancer8.4%
Behavior / access%
Smoking12.8%
Binge drinking14.8%
No physical activity16.1%
Less than 7 hrs sleep28.8%
Depression23.4%
Fair or poor health12.2%
Poor mental health12.6%
Poor physical health10.2%
No health insurance7.5%
Visited doctor (checkup)71.2%
Visited dentist69.9%
Cholesterol screening92.4%
Teeth loss8.2%

Veterans & disability

VeteransCount%
Civilian veterans28711.3%
Disability%
Any disability9.5%
Under 185.1%
18–64 years4.1%
65 and over20.6%

Health insurance coverage

Type%
Private insurance68.3%
Public insurance47.0%
No insurance8.7%
Uninsured under 190.0%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only2,93595.4%
Spanish1093.7%
Other Indo-European762.6%
Asian & Pacific Islander331.1%
Other languages00.0%

Place of birth & citizenship

OriginCount%
Native born (US)2,68087.2%
Born in same state2,63985.8%
Born in different state1,42546.3%
Foreign born411.3%
Naturalized citizen39512.8%
Not a US citizen15539.2%

Ancestry

AncestryCount%
French65021.1%
Italian51416.7%
Polish1755.7%
Arab1234%
AncestryCount%
German983.2%
English240.8%
Irish210.7%
Dutch80.3%

Technology access

Metric% of households
Computer access46.3%
Internet access100.0%

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

Frequently asked questions about ZIP code 98862

What city is ZIP code 98862 in?

ZIP code 98862 is primarily assigned to Winthrop, Washington.

What county is ZIP code 98862 in?

ZIP code 98862 falls within Okanogan County, Washington.

Does ZIP code 98862 have an older population?

32% of residents in ZIP code 98862 are 65 or older, above the national average of ~17%.

How educated is the population of ZIP code 98862?

64% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 98862 have a large retiree population?

41% of households in ZIP code 98862 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 98862 have a large veteran population?

11% of civilians in ZIP code 98862 are veterans, above the national average of ~7%.

What timezone is ZIP code 98862 in?

ZIP code 98862 observes the PST timezone.

Need the complete ZIP code database? Download all 42,000+ US ZIP codes — Excel, CSV, or Access. Includes lat/lng, county FIPS & timezone.
Download database →