Palmer, AK · standard
ZIP Code 99645
Matanuska-Susitna, Alaska - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 25,176
- 22/sq mi Moderate-density area
- $100,455
- Median income Above-median income area
- $367,400
- Median home value Above-median home value
- 32.4%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Palmer pairs an upper-quartile household income with upper-quartile home values, in a rural, homeowner-dominated area.
- Top 19%
- household income, US ZIPs
- Top 24%
- home value, US ZIPs
- 22
- people per sq mi
- 80%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 99645 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 99645 (Palmer, AK) rose +3.4% from 2023 to 2024. The all-transactions index moved from 243.3 in 2023 to 251.5 in 2024 (2000 = 100).
ZIP code 99645 is a densely settled ZIP (a standard USPS delivery area) in Palmer, Matanuska-Susitna, Alaska, with 25,176 residents across 1144.4 square miles, a density of 22 people per square mile, in the Anchorage time zone.
ZIP 99645 lands in the middle-income range, with a median household income of $100,455 (39% above the average Alaska ZIP), while per-capita income is $44,034. The poverty rate is 8.1%, with unemployment at 4.8%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $367,400 (75% above the average Alaska ZIP), while 80.2% of occupied homes are owner-occupied and median rent is $1,332.
A solid share of residents have a four-year degree: 32.4% of adults hold a bachelor's degree or higher, the median age is 37.5, and the average commute is 31 minutes. No nearby ZIP peer set is available for this delivery area, so the Alaska and national benchmarks above are the appropriate context for 99645.
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 99645
Top 5 sectors by establishment count in Palmer, AK
Which industries have the most business establishments in ZIP 99645.
- Construction
Construction
165 establishments
- Health care and social assistance
Health care and social assistance
123 establishments
- Other services (except public administration)
Other services (except public administration)
81 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
79 establishments
- Retail trade
Retail trade
69 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 99645, Palmer, AK · 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
25,176
Population
1144.4
Area (sq mi)
22
People / sq mi
Anchorage
Time Zone
standard
ZIP Type
Who lives in ZIP 99645?
37.5
Median Age
50.5%
Male
49.5%
Female
2.7%
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?
$100,455
Median Household Income
+39% vs state ZIP avg
$44,034
Per Capita Income
8.1%
Poverty Rate
4.8%
Unemployment Rate
30.8 min
Mean Commute Time
How ZIP 99645 ranks among Alaska ZIPs
Palmer, AK household income vs. every Alaska ZIP code
Median household income among 197 reporting Alaska ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$100,455 Top 16% higher than 84% of 197 Alaska ZIPs
Each bar is a $20K-wide band; taller bars hold more Alaska 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
12,015housing units
12,015
Total Housing Units
11,103
Occupied Units
912
Vacant Units
2.82
Avg Household Size
Occupancy Type
$367,400
Median Home Value
+75% vs state ZIP avg
$1,332
Median Rent
1997
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
+3.4%
YoY Change (2024)
252
HPI Index (2000 = 100)
+152%
Total Change Since 2000
Home values in ZIP 99645 have increased 3.4% over the past year (2024). Since 2000, this ZIP has seen +152% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.0% | 175 |
| 2021 | +8.1% | 189 |
| 2022 | +15.7% | 219 |
| 2023 | +11.1% | 243 |
| 2024 | +3.4% | 252 |
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 798 business establishments in ZIP 99645, employing approximately 6,959 people with a combined annual payroll of $478,276,000.
798
Businesses
6,959
Employees
$478.3M
Annual Payroll
18
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 165 | 20.7% |
| Health care and social assistance | 123 | 15.4% |
| Other services (except public administration) | 81 | 10.2% |
| Professional, scientific, and technical services | 79 | 9.9% |
| Retail trade | 69 | 8.7% |
| Accommodation and food services | 67 | 8.4% |
| Real estate and rental and leasing | 37 | 4.6% |
| Administrative and support and waste management and remediation services | 32 | 4.0% |
| Manufacturing | 27 | 3.4% |
| Finance and insurance | 25 | 3.1% |
| Transportation and warehousing | 22 | 2.8% |
| Arts, entertainment, and recreation | 20 | 2.5% |
| Educational services | 16 | 2.0% |
| Information | 14 | 1.8% |
| Wholesale trade | 8 | 1.0% |
| Mining, quarrying, and oil and gas extraction | 6 | 0.8% |
| Agriculture, forestry, fishing and hunting | 3 | 0.4% |
| Industries not classified | 3 | 0.4% |
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 99645, both outside AK so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (25,176 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Matanuska-Susitna
Related Areas
Frequently Asked Questions
What county is ZIP code 99645 in?
ZIP code 99645 (Palmer) is located in Matanuska-Susitna, Alaska. Matanuska-Susitna contains multiple ZIP codes, see the full list at /counties/matanuska-susitna-ak.
What is the population of ZIP code 99645?
ZIP code 99645 in Palmer, AK has a population of 25,176 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 99645?
The median household income in ZIP 99645 is $100,455, which is 32% above the national average of $76,288.
What is the average home value in ZIP 99645?
The median home value in ZIP 99645 is $367,400, which is 32% above the national average of $278,155.
What is the demographic makeup of ZIP 99645?
The largest racial group in ZIP 99645 is White at 78.5%. Hispanic or Latino residents make up 6.0% of the population.
How many businesses are in ZIP code 99645?
ZIP code 99645 has 798 business establishments employing approximately 6,959 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 99645?
The top industries by establishment count in ZIP 99645 are: Construction (165), Health care and social assistance (123), Other services (except public administration) (81). There are 18 industry sectors represented in total.
How have home values changed in ZIP code 99645?
According to the FHFA House Price Index, home values in ZIP 99645 increased by 3.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 152%. 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 99645?
In ZIP code 99645, 58.8% of residents aged 25+ have a high school diploma or higher, and 32.4% 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 99645?
The mean commute time for workers in ZIP code 99645 is 30.8 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 99645?
In ZIP code 99645, approximately 80.2% of occupied housing units are owner-occupied and 19.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 99645?
The poverty rate in ZIP code 99645 is 8.1% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
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What to do with ZIP 99645's numbers, next.
- See how ZIP 99645 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
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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.