Best Places98295, WA Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 98295, 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.
98295 ranks 6,843rd of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on clean air by a wide margin, and childcare costs are the weak spot.
The best neighborhoods in 98295
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.
98295's strengths and weaknesses
Where 98295 ranks high
- Air qualityBetter than 96% of zip codes
- Local economyBetter than 92% of zip codes
- Heat safetyBetter than 90% of zip codes
- Crime safetyBetter than 90% of zip codes
- Health outlookBetter than 88% of zip codes
Where 98295 ranks low
- Cheap childcare$1,516 a month, better than only 5% of zip codes
- Housing crash safetyBetter than only 8% of zip codes
- State infrastructureBetter than only 11% of zip codes
- Healthcare accessBetter than only 19% of zip codes
- Disaster safetyBetter than only 25% of zip codes
What it costs to buy a home in 98295
A household needs to earn about $123,000 a year to comfortably buy the median 98295 home, at 20% down and today's 30-year rate. That runs well above the area's median income of $95,802, 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 98295's effective rate of 0.65%, 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 98295
98295 runs younger than the country, and households here run larger than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 98295.
Who works in 98295, and how
Work in 98295 centers on construction and other services. Unemployment is close to the national rate, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 83%
- Work from home 10%
- Transit, walk, or bike 7%
Life in 98295
98295 has more restaurants and bars per resident than 98% of zip codes and more parkland per resident than 99% of zip codes. The coast is about 33 minutes away. Dining, parks, and nightlife concentrates in some parts of 98295 and thins out in others, which the map shows.
What the weather is like in 98295, month by month
98295 sees roughly 123 pleasant days a year. July highs average about 76 degrees. January highs sit near 48, with lows near 33. The comfortable stretch runs May through September.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 48° | 40° | 33° |
| April | 60° | 50° | 40° |
| July | 76° | 65° | 54° |
| October | 61° | 51° | 43° |
Flying in and out of 98295
The nearest airport, Bellingham International, is about 18 miles away and is a small airport. The nearest major hub is Seattle-Tacoma International, about 106 miles away.
98295 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 98295 against the other 33,109 zip codes.
Common questions about living in 98295
Is 98295 a good place to live?
Using BestNeighborhood's default rankings, 98295 ranks 6,843rd of 33,110 zip codes. It scores highest on clean air, a strong job market, and heat safety, and lowest on childcare costs and an overheated housing market. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 98295 expensive to live in?
The median home is worth $481,564. The overall cost of living runs about 6% above the national average. Set against a $95,802 median income, cost of living beats 56% of zip codes.
Is 98295 safe?
Yes, 98295 is safer than 90% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $266 per resident a year.
Compare 98295 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 98295. Scores are absolute rather than ranked, which means a 60 in 98295 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.
98295 detail on BestNeighborhood maps:
- Walk Grade for 98295: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 98295: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 98295: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 98295: carrier by carrier coverage behind the cell score.
98295 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.