Population & age
- Total population
- 7,611
- Median age
- 47.8
Grays Harbor County · Population 7,611
Montesano, WA (ZIP 98563) sits in Grays Harbor County. The page draws on 2 federal data feeds retrieved Apr 27. Top health signal: Health Insurance comes in below the national average at 7.0%. NCES lists 3 schools serving the area, 3 non-charter. 6 colleges and universities serve the area, with median in-state tuition of $5,593. IRS data shows average household income (AGI) of $80,505, well above the ~$45K national average per return. BLS LAUS records a 6.3% county unemployment rate (2024) — about 2.3 points above the US average and a labor-market distress signal. FEMA has issued 40 federal disaster declarations affecting this ZIP since 1964 — a high-frequency exposure profile. Annual precipitation averages 89.9" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. Median daily AQI is just 20 per EPA AQS (2024), comfortably inside the Good range, with PM2.5 as the primary pollutant on most measured days. County Health Rankings reports 10,513 years of potential life lost per 100,000 (2025) — well above the national county median. Washington has no state income tax, saving the local median household (AGI $80,505) approximately $3,703/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net gain of 553 residents (257 households) — the ZIP's primary county is growing. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $68,490, fair market rent of $1,450 for a two-bedroom, and a typical home value of $386,295, down 0.1% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
Studio
$1,000
/month
1 Bed
$1,110
/month
2 Bed
$1,450
/month
3 Bed
$2,020
/month
4 Bed
$2,230
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
$386,295
Zillow Home Value Index (ZHVI) · as of March 2026
-0.1%
vs. March 2025
+15.4%
vs. March 2021
Aberdeen, WA
Metropolitan statistical area
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing units permitted
587
Across 561 permitted buildings. Total construction value: $180.0M.
Single-family
550
94% of total units
Multifamily (2+ unit)
37
6% of total units
Single-family value
$173.5M
construction value
Multifamily value
$6.5M
construction value
Aggregated from 2 counties touching this ZIP (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Tax returns filed
3,880
Average AGI
$80,505
Avg property tax
$238
EITC participation
10.1%
Income distribution
Avg mortgage interest
$498
Avg charitable contribution
$331
Avg capital gains
$3,177
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $312.4M across all reported brackets.
Business establishments
168
Total employment
1,150
Annual payroll
$55.9M
Average annual pay
$48,644
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Average annual pay
$56,803
Average weekly wage
$1,092
Total employment
23,816
Total establishments
1,854
That is roughly 13% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment rate
6.3%
That is 2.3 percentage points above the US national unemployment rate of about 4.0%.
Labor force
29,395
Employed
27,556
Unemployed
1,839
Based on Grays Harbor County, WA data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
FDIC-insured bank branches
4
Typical banking access
A standard suburban / mid-density branch count for this area.
Total deposits
$192.0M
across all branches in this ZIP
Distinct institutions
4
different banks operating here
Top banks by deposits in this ZIP
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
Public-library outlets
1
Single library outlet
One public-library outlet serves this ZIP — typical of suburban and small-town areas. Card holders also have full access to the rest of the system's branches.
Buildings
1
1 branch
Avg hours / week
20.1
across outlets in this ZIP
Avg square feet
7,486
per outlet
Outlets in this ZIP
Public libraries provide free WiFi, computer access, children's programming, job-seeking resources, and meeting space — community infrastructure beyond books. FY2023 outlet inventory from the federal Public Libraries Survey.
Source: Institute of Museum and Library Services (imls.gov). Per-ZIP counts of active public-library outlets — central buildings, branches, and bookmobiles — operated by federally reporting library systems.
Federally Declared Disasters
40
Date Range
1964–2026
Most Recent Declaration
SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, LANDSLIDES, AND MUDSLIDES
Flood — declared April 7, 2026 (DR-4906)
Incident period: December 5, 2025 – December 19, 2025
Top Incident Types
Individual Assistance
19
Direct help to disaster survivors
Households Program
6
Housing & temporary lodging support
Public Assistance
38
Repair of public facilities & roads
Hazard Mitigation
17
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
51.1°F
41.2° – 61°
Annual precipitation
89.9"
Annual snowfall
1.9"
Heating · cooling days
5,154.5 · 103.2
Annual base 65°F
Nearest station: MATLOCK 8 S, WA US, 10.8 miles from the centroid of Montesano, WA (ZIP 98563)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Median daily AQI
20
GoodPeak AQI (2024)
64
Moderate
Primary pollutant
PM2.5
366 days as main pollutant
Days measured
366
Based on Grays Harbor County data (2024).
Source: U.S. Environmental Protection Agency, Air Quality System (epa.gov). Public domain. Only counties with EPA AQS monitoring stations appear here (~30% of US counties); rural ZIPs whose primary county has no monitor will not show this section.
Years of potential life lost (per 100K)
10,513
That is roughly 2,313 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
19%
of adults self-report
Poor physical health days
4.7
avg per adult per month
Poor mental health days
6.2
avg per adult per month
Uninsured
9.9%
of residents under 65
Primary care MDs
36
per 100,000 residents
Preventable hospital stays
2,299
per 100K Medicare enrollees
Food environment (0-10)
7.4
10 = best access & security
Exercise access
60%
residents near a facility
Flu vaccinated
37%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 7.4% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Grays Harbor data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access status
Moderate food access challenges
16.7% of Grays Harbor County, WA residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.38
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
1.26
accepting food benefits
Fast-food restaurants
0.61
per 1,000 residents
Among low-income residents, 5.4% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Grays Harbor County, WA for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 56 reports
Property crime rate
—
per 100K residents · 209 reports
Homicide
1
Robbery
4
Burglary
96
Vehicle theft
25
County-level data for Grays Harbor (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Net migration (2022-2023)
▲+553 people
+257 households • +$43.4M net AGI flow
Moved in
2,589households
4,460 people • $174.3M AGI
Moved out
2,332households
3,907 people • $131.0M AGI
Where new residents came from
Where departing residents went
Incoming households reported an average AGI of $67,334 versus departing households' $56,162.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
State-level rules that apply to every resident of ZIP 98563. Numbers reflect the most recent published year per source.
Income tax
None
No state income tax
Sales tax (combined)
9.51%
State 6.50% · avg local 3.01%
Property tax (effective)
0.82%
Median $2,299/year
Tax burden rank
31 of 50
10.60% of personal income
For ZIP 98563: A household at this ZIP's median AGI of $80,505 keeps approximately $3,703 more annually than residents of the typical income-tax state. Applied to this ZIP's typical home value of $386,295, that works out to roughly $3,160/year in property tax.
Program
Paid Family & Medical Leave
Mandatory (state-run insurance)
Max weeks/year
18
Parental
12wk
Max weekly benefit
$1,647
Replacement: 90% AWW up to 0.5x SAWW + 50% above · job protection
SNAP eligibility
200% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Nearby ZIPs by distance
98560 (11.1 mi) · 98541 (Malone, 14.6 mi) · 98583 (Satsop, 15.6 mi) · 98550 (Hoquiam, 16.2 mi) · 98552 (Humptulips, 17.4 mi) · 98520 (Aberdeen, 18.5 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
33.8%
Tracks close to the 33.0% national rate.
36.9%
4.9pp above the 32.0% national rate.
26.3%
4.3pp above the 22.0% national rate.
71.3%
4.7pp below the 76.0% national rate.
7.0%
6.0pp below the 13.0% national rate.
11.6%
Tracks close to the 11.0% national rate.
3 schools serve this ZIP, including 3 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| Montesano Jr-Sr High | Public | 7–12 | 692 |
| Simpson Avenue Elementary | Public | 3–6 | 427 |
| Beacon Avenue Elementary School | Public | -1–2 | 284 |
Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.
Fresh.NCES CCD via Urban Institute EDP · Apr 27, 2026Colleges in this area
6
Median in-state tuition
$5,593
Median earnings (10 yr)
$45,039
Olympia, WA · 98512
Olympia, WA · 98505
Centralia, WA · 98531
Lacey, WA · 98503
Aberdeen, WA · 98520
Centralia, WA · 98531
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
Montesano, WA (ZIP 98563) sits in Grays Harbor County. The page draws on 2 federal data feeds retrieved Apr 27. Top health signal: Health Insurance comes in below the national average at 7.0%. NCES lists 3 schools serving the area, 3 non-charter. 6 colleges and universities serve the area, with median in-state tuition of $5,593. IRS data shows average household income (AGI) of $80,505, well above the ~$45K national average per return. BLS LAUS records a 6.3% county unemployment rate (2024) — about 2.3 points above the US average and a labor-market distress signal. FEMA has issued 40 federal disaster declarations affecting this ZIP since 1964 — a high-frequency exposure profile. Annual precipitation averages 89.9" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. Median daily AQI is just 20 per EPA AQS (2024), comfortably inside the Good range, with PM2.5 as the primary pollutant on most measured days. County Health Rankings reports 10,513 years of potential life lost per 100,000 (2025) — well above the national county median. Washington has no state income tax, saving the local median household (AGI $80,505) approximately $3,703/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net gain of 553 residents (257 households) — the ZIP's primary county is growing. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $68,490, fair market rent of $1,450 for a two-bedroom, and a typical home value of $386,295, down 0.1% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits higher the national rate at 26.3%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
33.8%, which is 0.8 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
26.3%, which is 4.3 percentage points above the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
36.9%, which is 4.9 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
3 schools serve this ZIP, including 3 public schools (NCES CCD, retrieved Apr 27, 2026). No charter schools are listed in this ZIP by NCES CCD.
No charter schools are listed in ZIP 98563 by NCES CCD (retrieved Apr 27, 2026).
Yes, 1 high school serves this ZIP: Montesano Jr-Sr High. (NCES CCD, retrieved Apr 27, 2026).
7,611 people live in ZIP 98563, with a median age of 47.8 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
$68,490 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 98563, 75.2% of occupied housing units are owner-occupied and 24.8% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 98563, 5.0% of workers work from home. Public transit is used by 0.1% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
7.8% of the population in ZIP 98563 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
90.5% of households in ZIP 98563 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
The typical home value in ZIP 98563 is $386,295, down 0.1% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Home values are down 0.1% over the past year and up 15.4% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
The average Adjusted Gross Income reported on tax returns from ZIP 98563 (Montesano, WA) is $80,505 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
Tax returns from ZIP 98563 report an average of $238 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
5.4% of tax returns from ZIP 98563 (Montesano, WA) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
As of 2022, 168 business establishments operated in ZIP 98563 employing 1,150 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
The average annual pay across all local establishments in ZIP 98563 is $48,644, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
According to the CDC Social Vulnerability Index (2022), ZIP 98563 ranks in the 40th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 98563, ranking in the 65th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
FEMA has recorded 40 federal disaster declarations affecting ZIP 98563 between 1964–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
Flood is the most common federally declared disaster type affecting ZIP 98563, accounting for 17 of 40 declarations (43%, FEMA OpenFEMA, retrieved May 3, 2026).
The most recent FEMA disaster declaration affecting ZIP 98563 was "SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, LANDSLIDES, AND MUDSLIDES" — a flood declared in 2026 (DR-4906) (FEMA OpenFEMA, retrieved May 3, 2026).
6 colleges and universities are listed near ZIP 98563 by the U.S. Department of Education College Scorecard, including South Puget Sound Community College, The Evergreen State College, and Centralia College (retrieved May 2, 2026).
Median in-state tuition across 6 nearby institutions is $5,593 (College Scorecard, retrieved May 2, 2026).
Graduates of nearby colleges earn a median of $45,039 ten years after entry (College Scorecard, retrieved May 2, 2026).
ZIP 98563 has an average annual temperature of 51.1°F and 89.9" of annual precipitation based on the MATLOCK 8 S, WA US weather station 10.8 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Washington has no state income tax. For a household earning the local median AGI of $80,505, this saves approximately $3,703 per year compared to the national average effective state tax rate. The combined state and local sales tax rate is 9.51% (Tax Foundation 2025).
Washington runs an active paid family leave program (Paid Family & Medical Leave) offering up to 18 weeks of paid leave per year, with a maximum weekly benefit of $1,647 (Bipartisan Policy Center 2026).
This page covers health outcomes from CDC PLACES (33 metrics), school information from NCES CCD (3 schools), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (6 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (40 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
Health data retrieved Apr 24, 2026 from CDC PLACES. School data retrieved Apr 27, 2026 from NCES CCD. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (40 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Nearby ZIPs by distance
98560 (11.1 mi) · 98541 (Malone, 14.6 mi) · 98583 (Satsop, 15.6 mi) · 98550 (Hoquiam, 16.2 mi) · 98552 (Humptulips, 17.4 mi) · 98520 (Aberdeen, 18.5 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Have a specific question about ZIP 98563?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
40th percentile
Moderate Vulnerability
Based on 6 census tracts, population 9,893
Vulnerability Themes
Households Without Vehicle
91
Limited English Speakers
46
Persons with Disability
1,932
Without HS Diploma
349
Without Health Insurance
397
Adults Age 65+
2,561
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.