ZIP Code 98445: Population, Income, Housing

State: WA

Total population: 33,684 Household income: $92,520 Rent: $1,778

Overview

Total population

33,684

Rent

$1,778

Year built

1987

Household income

$92,520

Per capita income

$37,944

Poverty rate

9.1%

Unemployment rate

N/A

Household size

2.8 persons

Rent over 30% of income

53.2%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State

Washington

County

Pierce County

City

Tacoma

Total population

33,684

Adults over 25

23,091

Total households

11,981

Household size

2.8 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Income & Poverty

Household income

$92,520

Per capita income

$37,944

Poverty rate

9.1%

Unemployment rate

N/A

Rent over 30% of income

53.2%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Housing

Rent

$1,778

Year built

1987

Households that rent

31.5%

Households that own

68.5%

Rooms per home (all homes)

5.9

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Race

White

53.8%

Black

10.6%

Asian

Two or more races

17.1%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Ethnicity

Hispanic or Latino

14.1%

Not Hispanic or Latino

85.9%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Commute

Commute rate

14,532 (91.7%)

Commute time to work

33 mins

Work from home

1,318 (8.3%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Education

Less than high school

33.1%

High school graduate or GED

36%

Some college or associate degree

12.3%

Bachelor’s degree or higher

18.7%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Comparison of ZIP Code 98445 with: Pierce County, WA Seattle metro area, WA Washington State United States

ZIP 98445

Total population33,684

Rent$1,778

Year built1987

Household income$92,520

Per capita income$37,944

Poverty rate9.1%

Unemployment rateN/A

Pierce County, WA

Total population930,319

Rent$1,806

Year built1986

Household income$99,564

Per capita income$47,648

Poverty rate8.8%

Unemployment rate3.9%

Seattle Metro Area, WA

Total population4,061,920

Rent$2,000

Year built1985

Household income$115,177

Per capita income$63,994

Poverty rate8.5%

Unemployment rate4.2%

Washington State

Total population7,816,116

Rent$1,760

Year built1985

Household income$98,141

Per capita income$53,744

Poverty rate9.9%

Unemployment rate4.5%

United States

Total population334,922,499

Rent$1,413

Year built1980

Household income$80,734

Per capita income$44,673

Poverty rate12.5%

Unemployment rate4%

Metric	ZIP98445	CountyPierce, WA	Metro AreaSeattle metro area, WA	StateWashington	CountryUnited States
Total population	33,684	930,319	4,061,920	7,816,116	334,922,499
Rent	$1,778	$1,806	$2,000	$1,760	$1,413
Year built	1987	1986	1985	1985	1980
Household income	$92,520	$99,564	$115,177	$98,141	$80,734
Per capita income	$37,944	$47,648	$63,994	$53,744	$44,673
Poverty rate	9.1%	8.8%	8.5%	9.9%	12.5%
Unemployment rate	N/A	3.9%	4.2%	4.5%	4%

View the full multi-level comparison →

Summary for 98445

Rent & Income

In 98445, the typical monthly rent is $1,778 and the typical household income is $92,520. Rent here is similar to Washington, and household income is lower than Washington. The estimated poverty rate is 9.1%.

Housing & Affordability

This ZIP Code is primarily owner-occupied, with renters accounting for about 31.5% of households. About 53.2% of renters spend more than 30% of their income on housing, indicating high cost burden.

Education & Employment

Only about 18.7% of adults have a bachelor’s degree or higher, indicating lower levels of formal education.

ZIP 98445 — Rent vs Household Income

ZIP 98445 — Poverty

How ZIP 98445 compares in Washington State (102 ZIP Codes)

Metric	This ZIP	Rank	Starts from	State range
Rent	$1,778	43 / 102	from lower rent	$1,024 – $2,836
Household income	$92,520	59 / 102	from higher income	$48,231 – $244,362
Poverty rate	9.1%	53 / 102	from lower poverty	3.3% – 28.6%

Rankings are calculated among ZIP Codes in Washington State with total population > 30,000 (year 2024).

Detailed Ranking Explanation for ZIP Code 98445

Rent

When it comes to rent, ZIP Code 98445 ranks 43rd out of 102 ZIP Codes in Washington State. Statewide, values range from $1,024 in ZIP 98901 up to $2,836 in ZIP 98006.

Household income

Income-wise, this area is placed 59th out of 102 ZIP Codes. Across Washington State, figures vary from $48,231 in ZIP 99163 up to $244,362 in ZIP 98074.

Poverty rate

When it comes to poverty, ZIP Code 98445 places 53rd out of 102 ZIP Codes. Throughout Washington State, numbers span from 3.3% in ZIP 98685 up to 28.6% in ZIP 99163.

💰 Rent in ZIP Code 98445 (with Utilities)

Estimated Monthly Rent: $1,778 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 98445

Annual Household Income: $92,520

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 98445

Estimated Rate: 9.1%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 98445

In ZIP Code 98445, households that rent: 3,779 (31.5%)

📊 What does the renter household percentage reveal about this ZIP Code?

Household Type	Count	Share
Renter-Occupied	3,779	31.5%
Owner-Occupied	8,202	68.5%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 98445

In ZIP Code 98445, cost-burdened renters (households spending over 30% of income on housing): 2,011 (53.2%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?

Household Group	Households	Share
Cost-burdened renters (over 30%)	2,011	53.2%
Other renter households	1,768	46.8%
Total renter households	3,779	100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 98445

Less than High School: 7,634 people (33.1%)

Includes adults who did not complete high school.

High School Graduate or GED: 8,304 people (36%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 2,842 people (12.3%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 4,311 people (18.7%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 23,091

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.