Tacoma, WA · standard
ZIP Code 98446
Pierce County, Washington - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 10,173
- 357/sq mi High-density area
- $101,938
- Median income Above-median income area
- $487,500
- Median home value Above-median home value
- 21.5%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Tacoma pairs an upper-quartile household income with upper-quartile home values, in a low-density, homeowner-dominated area.
- Top 18%
- household income, US ZIPs
- Top 14%
- home value, US ZIPs
- 357
- people per sq mi
- 67%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 98446 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 98446 (Tacoma, WA) rose +5.0% from 2023 to 2024. The all-transactions index moved from 304.9 in 2023 to 320.2 in 2024 (2000 = 100).
ZIP code 98446 is a mid-sized community (a standard USPS delivery area) in Tacoma, Pierce County, Washington, home to 10,173 residents across 28.5 square miles, a density of 357 people per square mile, in the Los Angeles time zone.
ZIP 98446 lands in the middle-income range, with a median household income of $101,938 (12% above the average Washington ZIP), while per-capita income is $44,225. The poverty rate is 9.0%, with unemployment at 8.2%; those measures add context to the income figure. Median home value is $487,500 (5% below the average Washington ZIP) and median rent is $1,991; 66.8% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 21.5% of adults hold a bachelor's degree or higher, the median age is 36.7, and the average commute is 33 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Pierce County, so 98446 can be compared with both its immediate and county-level context.
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 98446
Top 5 sectors by establishment count in Tacoma, WA
Which industries have the most business establishments in ZIP 98446.
- Construction
Construction
79 establishments
- Other services (except public administration) 31
Other services (except public administration)
31 establishments
- Real estate and rental and leasing 20
Real estate and rental and leasing
20 establishments
- Administrative and support and waste management and remediation services 19
Administrative and support and waste management and remediation services
19 establishments
- Transportation and warehousing 17
Transportation and warehousing
17 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 98446, 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
10,173
Population
28.5
Area (sq mi)
357
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 98446?
36.7
Median Age
50.6%
Male
49.4%
Female
7.7%
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?
$101,938
Median Household Income
+12% vs state ZIP avg
$44,225
Per Capita Income
9.0%
Poverty Rate
8.2%
Unemployment Rate
32.5 min
Mean Commute Time
How ZIP 98446 ranks among Washington ZIPs
Tacoma, 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)
$101,938 Top 28% higher than 72% 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
5,579housing units
5,579
Total Housing Units
5,257
Occupied Units
322
Vacant Units
2.78
Avg Household Size
Occupancy Type
$487,500
Median Home Value
-5% vs state ZIP avg
$1,991
Median Rent
1994
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
+5.0%
YoY Change (2024)
320
HPI Index (2000 = 100)
+220%
Total Change Since 2000
Home values in ZIP 98446 have increased 5.0% over the past year (2024). Since 2000, this ZIP has seen +220% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +6.2% | 225 |
| 2021 | +16.6% | 263 |
| 2022 | +15.4% | 303 |
| 2023 | +0.6% | 305 |
| 2024 | +5.0% | 320 |
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 240 business establishments in ZIP 98446, employing approximately 3,428 people with a combined annual payroll of $248,262,000.
240
Businesses
3,428
Employees
$248.3M
Annual Payroll
13
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 79 | 32.9% |
| Other services (except public administration) | 31 | 12.9% |
| Real estate and rental and leasing | 20 | 8.3% |
| Administrative and support and waste management and remediation services | 19 | 7.9% |
| Transportation and warehousing | 17 | 7.1% |
| Retail trade | 16 | 6.7% |
| Professional, scientific, and technical services | 13 | 5.4% |
| Health care and social assistance | 12 | 5.0% |
| Wholesale trade | 11 | 4.6% |
| Manufacturing | 7 | 2.9% |
| Accommodation and food services | 7 | 2.9% |
| Utilities | 3 | 1.3% |
| Finance and insurance | 3 | 1.3% |
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 98446 vs 98445 →
ZIP 98446 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 98387
Spanaway (98387)
43,173 residents
- 98374
Puyallup (98374)
37,360 residents
- 98444
Tacoma (98444)
33,956 residents
- 98404
Tacoma (98404)
32,086 residents
- 98445
Tacoma (98445)
29,661 residents
- 98375
Puyallup (98375)
26,863 residents
- 98373
Puyallup (98373)
22,246 residents
- 98371
Puyallup (98371)
20,468 residents
- 98446 10,173
Tacoma (98446)
10,173 residents
What this shows Among its immediate neighbors, ZIP 98446 ranks #9 by population - useful context the national average alone can't give.
ZIP 98446 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 98375
Puyallup (98375)
$117,074 median income
- 98374
Puyallup (98374)
$112,662 median income
- 98387
Spanaway (98387)
$106,872 median income
- 98443
Tacoma (98443)
$105,035 median income
- 98373
Puyallup (98373)
$103,796 median income
- 98446
Tacoma (98446)
$101,938 median income
- 98371
Puyallup (98371)
$97,242 median income
- 98445
Tacoma (98445)
$92,520 median income
- 98404
Tacoma (98404)
$82,191 median income
What this shows By household income, ZIP 98446 ranks #6 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 98445 | Tacoma, WA | 29,661 | 1.8 mi |
| 98373 | Puyallup, WA | 22,246 | 2.6 mi |
| 98443 | Tacoma, WA | 5,371 | 5.2 mi |
| 98375 | Puyallup, WA | 26,863 | 3.0 mi |
| 98447 | Tacoma, WA | 842 | 3.4 mi |
| 98387 | Spanaway, WA | 43,173 | 5.1 mi |
| 98444 | Tacoma, WA | 33,956 | 3.9 mi |
| 98374 | Puyallup, WA | 37,360 | 5.3 mi |
| 98404 | Tacoma, WA | 32,086 | 5.8 mi |
| 98371 | Puyallup, WA | 20,468 | 5.4 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 98446, 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 (10,173 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Pierce County
Related Areas
Frequently Asked Questions
What county is ZIP code 98446 in?
ZIP code 98446 (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 98446?
ZIP code 98446 in Tacoma, WA has a population of 10,173 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 98446?
The median household income in ZIP 98446 is $101,938, which is 34% above the national average of $76,288.
What is the average home value in ZIP 98446?
The median home value in ZIP 98446 is $487,500, which is 75% above the national average of $278,155.
What is the demographic makeup of ZIP 98446?
The largest racial group in ZIP 98446 is White at 60.4%. Hispanic or Latino residents make up 15.4% of the population.
How many businesses are in ZIP code 98446?
ZIP code 98446 has 240 business establishments employing approximately 3,428 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 98446?
The top industries by establishment count in ZIP 98446 are: Construction (79), Other services (except public administration) (31), Real estate and rental and leasing (20). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 98446?
According to the FHFA House Price Index, home values in ZIP 98446 increased by 5.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 220%. 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 98446?
In ZIP code 98446, 48.6% of residents aged 25+ have a high school diploma or higher, and 21.5% 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 98446?
The mean commute time for workers in ZIP code 98446 is 32.5 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 98446?
In ZIP code 98446, approximately 66.8% of occupied housing units are owner-occupied and 33.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 98446?
The poverty rate in ZIP code 98446 is 9.0% 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 98446's numbers, next.
- See how ZIP 98446 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Tacoma, 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.