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 Moderate-density area
- $175,765
- Median income Above-median income area
- $938,500
- Median home value Above-median home value
- 56.6%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 98045 (North Bend, WA) rose +7.5% from 2023 to 2024. The all-transactions index moved from 325.9 in 2023 to 350.4 in 2024 (2000 = 100).
ZIP code 98045 is a mid-sized community (a standard USPS delivery area) in North Bend, King County, Washington, home to 13,888 residents across 873.5 square miles, a density of 16 people per square mile, in the Los Angeles time zone.
ZIP 98045 skews affluent, with a median household income of $175,765 (93% above the average Washington ZIP), while per-capita income is $80,541. Both reported hardship measures are comparatively low in absolute terms: poverty is 3.6% and unemployment is 2.6%. Housing is both higher-cost and owner-heavy: median home value is $938,500 (84% above the average Washington ZIP), while 83.7% of occupied homes are owner-occupied and median rent is $2,238.
This is a highly-educated ZIP: 56.6% of adults hold a bachelor's degree or higher, the median age is 40.4, and the average commute is 30 minutes. No nearby ZIP peer set is available for this delivery area, so the Washington and national benchmarks above are the appropriate context for 98045.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 98045
Top 5 sectors by establishment count in North Bend, WA
Which industries have the most business establishments in ZIP 98045.
- Construction
Construction
76 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
64 establishments
- Retail trade
Retail trade
60 establishments
- Health care and social assistance
Health care and social assistance
52 establishments
- Accommodation and food services
Accommodation and food services
50 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, 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; 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
Who lives in ZIP 98045?
40.4
Median Age
50.2%
Male
49.8%
Female
9.1%
Foreign-Born
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 ZIP avg
$80,541
Per Capita Income
3.6%
Poverty Rate
2.6%
Unemployment Rate
29.9 min
Mean Commute Time
How ZIP 98045 ranks among Washington ZIPs
North Bend, WA household income vs. every Washington ZIP code
Median household income among 547 reporting Washington ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$175,765 Top 4% higher than 96% of 547 Washington ZIPs
Each bar is a $20K-wide band; taller bars hold more Washington 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
5,748housing units
5,748
Total Housing Units
5,514
Occupied Units
234
Vacant Units
2.75
Avg Household Size
Occupancy Type
$938,500
Median Home Value
+84% vs state ZIP avg
$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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 98045, both outside WA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (13,888 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in King County
Related Areas
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.
Related
Take this with you
What to do with ZIP 98045's numbers, next.
- See how ZIP 98045 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where North Bend, WA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.