ZIP 98445
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12-month history
Last updated: October 17, 2026
What the numbers show
March. Asking rents in ZIP 98445 usually run 1% below trend in March and 0.7% above it in August, about $35 a month apart at today's median. Based on 9 years of data.
Rent in ZIP 98445 is at its highest level since Zillow's records here began in June 2017.
Rent in ZIP 98445 changed +2.5% over the year to September 2026. Across the 193 Washington ZIP codes Zillow tracks, the typical change was +2.5%.
From 2019 to 2024, rent in ZIP 98445 rose 40.3% while median household income rose 40.5% ($65,851 to $92,520). Income kept ahead of rent.
Rent in ZIP 98445 is 44.6% higher than in March 2020. Across the US, rent is up 37.3% over the same stretch.
Rent has risen 7 months in a row, and rose in 9 of the last 12 months.
30% of the median household income ($92,520) is $2,313 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,970); a 3-bedroom is $2,730.
ZIP 98444, 2 miles away, rents for 24% less ($1,577/mo), about $6,000 a year in savings.
From Zillow's monthly rent index (ZORI) for ZIP 98445. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.
Who lives here
ZIP 98445 (Clover Creek, WA) is majority owner-occupied, has a median income above the national average, 18.7% of residents hold a bachelor's degree or higher.
Source: U.S. Census Bureau · ACS 2024 5-Year Estimates
How ZIP 98445 in Clover Creek, WA has changed in 5 years
Across the past five years, the going rent in ZIP 98445 in Clover Creek, WA has shifted from $1,645 to $2,073, up 26.0% since 2021. Local incomes tracked alongside that move, going from a median of $75,677 in 2021 to $92,520 more recently. Because rent grew faster than wages over the same span, the affordability picture has tightened relative to 2021. Census counts show ZIP 98445 in Clover Creek, WA adding about 1,380 residents over the five-year window, up 4.3% on net. The renter share has risen from 27.4% to 31.5%, with owner-occupied housing accounting for the remainder. These shifts give renters and would-be renters a longer baseline for sizing up today's listings against the ZIP 98445 in Clover Creek, WA market of 2021.
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Tips for renters in ZIP 98445
Last updated: October 17, 2026
ZIP code 98445 covers Clover Creek, WA. The median rent here is $2,073/mo as of October 2026. A 1-bedroom rents for a median of $1,600/mo. A 2-bedroom rents for a median of $1,970/mo.
At 27% of local median household income ($92,520/yr), ZIP 98445 ranks as affordable compared to the national benchmark of 30%. Rents have increased 2.5% over the past year.
Frequently asked questions
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How does ZIP 98445 compare to the rest of Clover Creek?
At $2,073/mo, rent takes ~27% of ZIP 98445's median household income ($92,520/yr). The standard benchmark is 30%.
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