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ZIP Code 98295

Whatcom, Washington

FIPS 98295

Juniper

ZIP Code 98295 is in the top 12% nationally for appreciation 1yr %, but in the bottom 2% nationally for FEMA risk score. It also sits in the 86th percentile nationally for median home value. And it sits in the bottom 18% nationally for price-to-income ratio.

Median Home Value

$456,200

Higher than 86% of U.S. ZIP codes

HPI Growth 5yr %

31%

Higher than 56% of U.S. ZIP codes

FEMA Risk Score

98.8

Higher than 98% of U.S. ZIP codes

The basics

Total Population

3,279

Median Age

37.1

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$456,200

Higher than 86%

Median Property Tax

$2,504

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

4.61

Higher than 82%

Median Rent

$1,376

Higher than 79%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

31%

Higher than 56%

Appreciation 1yr %

6.7%

Higher than 88%

Pandemic Gain %

42%

Recession Drop %

-20%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

74.2

Winter Avg Low (°F)

32.5

Avg Temperature (°F)

50.3

Hot Days/yr (>90°F)

2.2

Freezing Days/yr (<32°F)

57.4

Annual Precipitation (in)

49.9

Annual Snowfall (in)

10.8

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

98.8

Higher than 98%

EAL Flood/Coastal per $1K

0

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Environment & Risk

ZIP Code 98295: frequently asked questions

What is the median home value in ZIP Code 98295?
The median home value in ZIP Code 98295 is $456,200, higher than 86% of U.S. ZIP codes.
How much is property tax in ZIP Code 98295?
The median annual property tax in ZIP Code 98295 is $2,504, an effective rate of 1% of home value.
Is ZIP Code 98295 expensive to live in?
Homes in ZIP Code 98295 cost about 4.61× the median household income, higher than 82% of U.S. ZIP codes.
What is the average rent in ZIP Code 98295?
The median gross rent in ZIP Code 98295 is $1,376 a month, higher than 79% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 98295?
Home prices in ZIP Code 98295 have moved 31% over the past five years (6.7% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 98295?
ZIP Code 98295 averages 50.3°F year-round, summer highs near 74.2°F, winter lows around 32.5°F (NOAA 1991–2020 normals). It sees about 10.8 inches of snow a year.
Is ZIP Code 98295 at risk of flooding or natural disasters?
ZIP Code 98295's FEMA National Risk Index score is 98.8 (higher than 98% of U.S. ZIP codes). Its greatest modeled natural hazard is earthquake. Modeled coastal-flood loss is negligible.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →