Best Places98232, WA Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 98232, scored on 40 measures of daily life and ranked to fit what matters to you. The coast is close, and the measures below put a number on how close. To work out which city fits you best, start with the best places to live tool.
98232 ranks 13,269th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on clean air by a wide margin, and an overheated housing market is the weak spot.
The best neighborhoods in 98232
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
98232's strengths and weaknesses
Where 98232 ranks high
- Air qualityBetter than 98% of zip codes
- Heat safetyBetter than 88% of zip codes
- Household income$109,405 median, better than 86% of zip codes
- Low income/sales/gas taxBetter than 84% of zip codes
- Nice weatherabout 127 pleasant days a year, better than 79% of zip codes
Where 98232 ranks low
- Housing crash safetyBetter than only 4% of zip codes
- Cheap childcare$1,516 a month, better than only 5% of zip codes
- State infrastructureBetter than only 11% of zip codes
- Disaster safetyBetter than only 14% of zip codes
- WalkabilityBetter than only 26% of zip codes
What it costs to buy a home in 98232
A household needs to earn about $195,000 a year to comfortably buy the median 98232 home, at 20% down and today's 30-year rate. That runs well above the area's median income of $109,405, so buying stretches a typical household.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 98232's effective rate of 0.74%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in 98232
98232 runs older than the country.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 98232.
Who works in 98232, and how
Work in 98232 centers on education and retail trade. Unemployment is close to the national rate, and employment has held roughly flat.
Largest industries
How people get to work
- Drive or carpool 84%
- Work from home 12%
- Transit, walk, or bike 4%
Life in 98232
98232 has more restaurants and bars per resident than 76% of zip codes. The coast is about 7 minutes away. That concentrates in some parts of 98232 and thins out in others, which the map shows.
What the weather is like in 98232, month by month
98232 sees roughly 127 pleasant days a year. July highs average about 77 degrees. January highs sit near 48, with lows near 37. The comfortable stretch runs May through September.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 48° | 41° | 37° |
| April | 60° | 50° | 43° |
| July | 77° | 64° | 53° |
| October | 60° | 52° | 45° |
Flying in and out of 98232
The nearest airport, Bellingham International, is about 17 miles away and is a small airport. The nearest major hub is Seattle-Tacoma International, about 77 miles away.
98232 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 98232 against the other 33,109 zip codes.
Common questions about living in 98232
Is 98232 a good place to live?
Using BestNeighborhood's default rankings, 98232 ranks 13,269th of 33,110 zip codes. It scores highest on clean air, heat safety, and high incomes, and lowest on an overheated housing market and childcare costs. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 98232 expensive to live in?
The median home is worth $753,581. The overall cost of living runs about 19% above the national average. Set against a $109,405 median income, cost of living beats 64% of zip codes.
Is 98232 safe?
98232 is safer than 34% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $515 per resident a year.
Compare 98232 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 98232. Scores are absolute rather than ranked, which means a 60 in 98232 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
98232 detail on BestNeighborhood maps:
- Walk Grade for 98232: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 98232: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 98232: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 98232: carrier by carrier coverage behind the cell score.
98232 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.