PlainZIP

North Bend, WA · standard

ZIP Code 98045

King County, Washington — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

13,888
16/sq mi
$175,765
Median income
$938,500
Median home value
56.6%
Bachelor's or higher

The verdict

North Bend pairs a top-decile household income with top-decile home values, in a rural, homeowner-dominated area.

Top 2%
household income, US ZIPs
Top 3%
home value, US ZIPs
16
people per sq mi
84%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 98045 against every reporting US ZIP.

ZIP code 98045 is classified by USPS as a standard delivery area and covers roughly 873.5 square miles in North Bend, King County, Washington. The area is home to 13,888 residents, producing a population density of 16 people per square mile, and falls within the Los Angeles time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 98045 against Washington and the nation.

On the economic side, the median household income for ZIP 98045 sits at $175,765 (93% above the Washington average), while per-capita income is $80,541. The poverty rate stands at 3.6% and the unemployment rate at 2.6%. On housing, the median home value is $938,500 (84% above the state average) with median rent at $2,238 per month, and 83.7% of occupied units are owner-occupied, a direct signal of whether 98045 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 56.6% of adults hold a bachelor's degree or higher, the median age is 40.4, and the average commute is 30 minutes. Use the benchmarks above to see where 98045 sits relative to Washington and the national baseline rather than viewing the numbers in isolation. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 98045

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 98045.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 98045, North Bend, WA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

13,888

Population

873.5

Area (sq mi)

16

People / sq mi

Los Angeles

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 98045?

40.4

Median Age

50.2%

Male

49.8%

Female

9.1%

Foreign-Born

White 77.5%
African American 0.6%
Asian 5.0%
American Indian or Alaska Native 1.1%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 11.8%
Hispanic or Latino 9.2%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$175,765

Median Household Income

+93% vs state

$80,541

Per Capita Income

3.6%

Poverty Rate

2.6%

Unemployment Rate

29.9 min

Mean Commute Time

How ZIP 98045 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$175,765 Top 2% higher than 98% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). Below this entry. $160,000–$180,000: 364 US ZIPs (1%). This entry sits in this band. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 71.4%
Bachelor's Degree or Higher 56.6%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

5,748

Total Housing Units

5,514

Occupied Units

234

Vacant Units

2.75

Avg Household Size

Occupancy Type

Owner 83.7%
Renter 16.3%

$938,500

Median Home Value

+84% vs state

$2,238

Median Rent

1988

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+7.5%

YoY Change (2024)

350

HPI Index (2000 = 100)

+250%

Total Change Since 2000

Home values in ZIP 98045 have increased 7.5% over the past year (2024). Since 2000, this ZIP has seen +250% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.5% 239
2021 +14.2% 274
2022 +18.7% 325
2023 +0.3% 326
2024 +7.5% 350

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 476 business establishments in ZIP 98045, employing approximately 3,325 people with a combined annual payroll of $169,214,000.

476

Businesses

3,325

Employees

$169.2M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Construction 76 16.0%
Professional, scientific, and technical services 64 13.4%
Retail trade 60 12.6%
Health care and social assistance 52 10.9%
Accommodation and food services 50 10.5%
Real estate and rental and leasing 36 7.6%
Other services (except public administration) 33 6.9%
Administrative and support and waste management and remediation services 26 5.5%
Finance and insurance 20 4.2%
Educational services 15 3.1%
Wholesale trade 11 2.3%
Arts, entertainment, and recreation 11 2.3%
Manufacturing 6 1.3%
Information 5 1.1%
Transportation and warehousing 4 0.8%
Utilities 3 0.6%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

More ZIP Codes in King County

98052 standard
Redmond, WA
Pop: 58,442
98023 standard
Federal Way, WA
Pop: 47,510
98115 standard
Seattle, WA
Pop: 46,206
98103 standard
Seattle, WA
Pop: 45,911
98133 standard
Seattle, WA
Pop: 44,555
98003 standard
Federal Way, WA
Pop: 44,151

Related Areas

King County North Bend, WA Washington

Frequently Asked Questions

What county is ZIP code 98045 in? ▼
ZIP code 98045 (North Bend) is located in King County, Washington. King County contains multiple ZIP codes, see the full list at /counties/king-wa.
What is the population of ZIP code 98045? ▼
ZIP code 98045 in North Bend, WA has a population of 13,888 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 98045? ▼
The median household income in ZIP 98045 is $175,765, which is 130% above the national average of $76,288.
What is the average home value in ZIP 98045? ▼
The median home value in ZIP 98045 is $938,500, which is 237% above the national average of $278,155.
What is the demographic makeup of ZIP 98045? ▼
The largest racial group in ZIP 98045 is White at 77.5%. Hispanic or Latino residents make up 9.2% of the population.
How many businesses are in ZIP code 98045? ▼
ZIP code 98045 has 476 business establishments employing approximately 3,325 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 98045? ▼
The top industries by establishment count in ZIP 98045 are: Construction (76), Professional, scientific, and technical services (64), Retail trade (60). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 98045? ▼
According to the FHFA House Price Index, home values in ZIP 98045 increased by 7.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 250%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 98045? ▼
In ZIP code 98045, 71.4% of residents aged 25+ have a high school diploma or higher, and 56.6% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 98045? ▼
The mean commute time for workers in ZIP code 98045 is 29.9 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 98045? ▼
In ZIP code 98045, approximately 83.7% of occupied housing units are owner-occupied and 16.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 98045? ▼
The poverty rate in ZIP code 98045 is 3.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for North Bend, WA

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

Read our methodology to see how this data is sourced, computed, and verified.