Palmer, AK · standard
ZIP Code 99645
Matanuska-Susitna County, Alaska — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 25,176
- 22/sq mi
- $100,455
- Median income
- $367,400
- Median home value
- 32.4%
- Bachelor's or higher
The verdict
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.
ZIP code 99645 is classified by USPS as a standard delivery area and covers roughly 1144.4 square miles in Palmer, Matanuska-Susitna County, Alaska. The area is home to 25,176 residents, producing a population density of 22 people per square mile, and falls within the Anchorage time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 99645 against Alaska and the nation.
On the economic side, the median household income for ZIP 99645 sits at $100,455 (39% above the Alaska average), while per-capita income is $44,034. The poverty rate stands at 8.1% and the unemployment rate at 4.8%. On housing, the median home value is $367,400 (75% above the state average) with median rent at $1,332 per month, and 80.2% of occupied units are owner-occupied, a direct signal of whether 99645 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 32.4% of adults hold a bachelor's degree or higher, the median age is 37.5, and the average commute is 31 minutes. Use the benchmarks above to see where 99645 sits relative to Alaska 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 99645
Top 5 sectors by establishment count
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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
$44,034
Per Capita Income
8.1%
Poverty Rate
4.8%
Unemployment Rate
30.8 min
Mean Commute Time
How ZIP 99645 ranks nationally
Household income vs. every US ZIP code
Median household income — the full national distribution, with this ZIP marked
$100,455 Top 19% higher than 81% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
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
$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.
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Frequently Asked Questions
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ZIP Code Research Guides
Official Data Resources for Palmer, AK
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.