PlainZIP

Tacoma, WA · standard

ZIP Code 98445

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

29,661
1,098/sq mi
$92,520
Median income
$444,800
Median home value
18.7%
Bachelor's or higher

The verdict

Tacoma pairs an upper-quartile household income with upper-quartile home values, in a low-density, homeowner-dominated area.

Top 24%
household income, US ZIPs
Top 17%
home value, US ZIPs
1,098
people per sq mi
69%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 98445 against every reporting US ZIP.

ZIP code 98445 is a densely settled ZIP (a standard USPS delivery area) in Tacoma, Pierce County, Washington, with 29,661 residents across 27.0 square miles, a density of 1,098 people per square mile, in the Los Angeles time zone.

ZIP 98445 lands in the middle-income range, with a median household income of $92,520 (2% above the Washington average), while per-capita income is $37,944. The poverty rate stands at 9.1% and the unemployment rate at 6.1%. Median home value sits at $444,800 (13% below the state average), median rent at $1,778 a month, and owner-occupancy at 68.5%.

Educational attainment sits below the national norm: 18.7% of adults hold a bachelor's degree or higher, the median age is 38.1, and the average commute is 33 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 98445, plus 6 more within Pierce County, give a clearer read than the national average alone.

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 98445

Top 5 sectors by establishment count in Tacoma, WA

Which industries have the most business establishments in ZIP 98445.

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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 98445, Tacoma, 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

29,661

Population

27.0

Area (sq mi)

1,098

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 98445?

38.1

Median Age

50.7%

Male

49.3%

Female

13.6%

Foreign-Born

White 53.8%
African American 10.6%
Asian 8.0%
American Indian or Alaska Native 3.2%
Native Hawaiian or Pacific Islander 4.8%
Two or More Ethnicities 17.1%
Hispanic or Latino 14.1%

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?

$92,520

Median Household Income

+2% vs state

$37,944

Per Capita Income

9.1%

Poverty Rate

6.1%

Unemployment Rate

32.7 min

Mean Commute Time

How ZIP 98445 ranks nationally

Tacoma, WA household income vs. every US ZIP code

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

$92,520 Top 24% higher than 76% 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%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $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 54.6%
Bachelor's Degree or Higher 18.7%

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

What does housing look like?

12,526

Total Housing Units

11,981

Occupied Units

545

Vacant Units

2.80

Avg Household Size

Occupancy Type

Owner 68.5%
Renter 31.5%

$444,800

Median Home Value

-13% vs state

$1,778

Median Rent

1987

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

+5.7%

YoY Change (2024)

342

HPI Index (2000 = 100)

+242%

Total Change Since 2000

Home values in ZIP 98445 have increased 5.7% over the past year (2024). Since 2000, this ZIP has seen +242% cumulative appreciation.

Year Annual Change HPI Index
2020 +7.3% 238
2021 +16.8% 278
2022 +15.4% 321
2023 +0.7% 323
2024 +5.7% 342

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 409 business establishments in ZIP 98445, employing approximately 3,292 people with a combined annual payroll of $171,639,000.

409

Businesses

3,292

Employees

$171.6M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Construction 147 35.9%
Other services (except public administration) 42 10.3%
Transportation and warehousing 37 9.1%
Health care and social assistance 36 8.8%
Administrative and support and waste management and remediation services 32 7.8%
Real estate and rental and leasing 24 5.9%
Retail trade 23 5.6%
Wholesale trade 15 3.7%
Professional, scientific, and technical services 14 3.4%
Manufacturing 12 2.9%
Accommodation and food services 12 2.9%
Finance and insurance 5 1.2%
Arts, entertainment, and recreation 4 1.0%

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

Nearby ZIP Codes

Want a side-by-side? Compare 98445 vs 98447 →

ZIP 98445 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 98445 ranks #4 by population - useful context the national average alone can't give.

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

ZIP 98445 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 98445 ranks #5 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
98447 Tacoma, WA 842 1.6 mi
98446 Tacoma, WA 10,173 1.8 mi
98444 Tacoma, WA 33,956 2.0 mi
98404 Tacoma, WA 32,086 4.8 mi
98373 Puyallup, WA 22,246 4.0 mi
98408 Tacoma, WA 18,830 4.4 mi
98438 Mcchord Afb, WA 366 4.1 mi
98387 Spanaway, WA 43,173 5.8 mi
98443 Tacoma, WA 5,371 4.8 mi
98439 Lakewood, WA 4,839 4.4 mi

More ZIP Codes in Pierce County

98391 standard
Bonney Lake, WA
Pop: 44,309
98387 standard
Spanaway, WA
Pop: 43,173
98374 standard
Puyallup, WA
Pop: 37,360
98444 standard
Tacoma, WA
Pop: 33,956
98404 standard
Tacoma, WA
Pop: 32,086
98499 standard
Lakewood, WA
Pop: 29,750

Related Areas

Pierce County Tacoma, WA Washington

Frequently Asked Questions

What county is ZIP code 98445 in? ▼
ZIP code 98445 (Tacoma) is located in Pierce County, Washington. Pierce County contains multiple ZIP codes, see the full list at /counties/pierce-wa.
What is the population of ZIP code 98445? ▼
ZIP code 98445 in Tacoma, WA has a population of 29,661 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 98445? ▼
The median household income in ZIP 98445 is $92,520, which is 21% above the national average of $76,288.
What is the average home value in ZIP 98445? ▼
The median home value in ZIP 98445 is $444,800, which is 60% above the national average of $278,155.
What is the demographic makeup of ZIP 98445? ▼
The largest racial group in ZIP 98445 is White at 53.8%. Hispanic or Latino residents make up 14.1% of the population.
How many businesses are in ZIP code 98445? ▼
ZIP code 98445 has 409 business establishments employing approximately 3,292 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 98445? ▼
The top industries by establishment count in ZIP 98445 are: Construction (147), Other services (except public administration) (42), Transportation and warehousing (37). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 98445? ▼
According to the FHFA House Price Index, home values in ZIP 98445 increased by 5.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 242%. 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 98445? ▼
In ZIP code 98445, 54.6% of residents aged 25+ have a high school diploma or higher, and 18.7% 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 98445? ▼
The mean commute time for workers in ZIP code 98445 is 32.7 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 98445? ▼
In ZIP code 98445, approximately 68.5% of occupied housing units are owner-occupied and 31.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 98445? ▼
The poverty rate in ZIP code 98445 is 9.1% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

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