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ZIP Code · WA

ZIP 98445

Pop. 33,684·Pierce County·110th most expensive ZIP in Washington
Median rent (all units)
$2,033/mo
Year-over-Year
+10.8%
Month-over-Month
-0.8%
vs US Median
+$68
Falling (Monthly)
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Most AffordableMost Expensive
ZIP 98445 · $2,033
More expensive than 62% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$1,430
1 BR
$1,600
2 BR
$1,970
3 BR
$2,730
4 BR+
$3,100
Research median
$1,970/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: July 20, 2026

Annual cost
$24,396/yr
At $2,033/mo median
Location
StateWA
CountyPierce County
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 10.8% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+10.8% YoY, -0.8% MoM), not inventory.
Demographics

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.

Population
33,684
Median income
$92,520
Median age
38.1
Renters
31.5%
Age distribution
22.9%
23.7%
23.6%
13%
16.8%
Under 1822.9%
18–3423.7%
35–5423.6%
55–6413%
65+16.8%
Gender
50.7%
49.3%
Male50.7%
Female49.3%
Race & ethnicity
53.8%
14.1%
13.5%
White53.8%
Black10.6%
Hispanic14.1%
Asian8%
Other13.5%
Education (25+)
36%
35.1%
18.7%
No HS diploma10.3%
HS diploma36%
Some college35.1%
Bachelor's+18.7%
Housing tenure
68.5%
31.5%
Owner68.5%
Renter31.5%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 98445 in Clover Creek, WA has changed in 5 years

Rent
$1,562 → $2,033
up 30.2%
Income
$75,677 → $92,520
up 22.3%
Population
32,304 → 33,684
up 4.3%
Renter share
27.4% → 31.5%
+4.1 pts
Bachelor's+
16.8% → 18.7%
+1.9 pts

Across the past five years, the going rent in ZIP 98445 in Clover Creek, WA has shifted from $1,562 to $2,033, up 30.2% 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.

Community

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Local insights

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About renting in ZIP 98445

Last updated: July 20, 2026

ZIP code 98445 covers Clover Creek, WA. The median rent here is $2,033/mo as of July 2026. A 1-bedroom rents for a median of $1,600/mo. A 2-bedroom rents for a median of $1,970/mo.

At 26% of local median household income ($92,520/yr), ZIP 98445 ranks as affordable compared to the national benchmark of 30%. Rents have increased 10.8% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 98445?

As of July 20, 2026, the median monthly rent in ZIP 98445 (Clover Creek, WA) is $2,033. This is based on aggregated data from public sources and community submissions.

How does ZIP 98445 rent compare to the US average?

ZIP 98445's median rent of $2,033/mo is $68 (3%) above the US national median of $1,965/mo.

How does ZIP 98445 compare to other ZIPs in Washington?

ZIP 98445 falls in the middle range for Washington, ranking #110 out of 209 ZIPs at $2,033/mo.

How much income do you need to rent in ZIP 98445?

To keep rent at or below 30% of gross income, you would need to earn at least $81,000/year (~$39/hour full-time) to afford the median rent of $2,033/mo in ZIP 98445. The local median household income is $92,520/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 98445?

Rent in ZIP 98445 has increased 10.8% over the past year as of July 20, 2026, putting upward pressure on renter budgets.

Is ZIP 98445 an affordable place to rent?

ZIP 98445 is considered affordable for renters. At $2,033/mo, rent takes approximately 26% of the local median household income ($92,520/yr). The standard benchmark is 30%. ZIP 98445 falls comfortably within that range.

What percentage of ZIP 98445 residents rent vs. own?

According to Census data, approximately 31.5% of ZIP 98445 households are renters, while 68.5% are owner-occupied. ZIP 98445 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 98445 compare to the rest of Clover Creek?

ZIP 98445 is more affordable than Clover Creek overall. At $2,033/mo, it's $44 below the Clover Creek citywide median of $2,077/mo.

When was rent data for ZIP 98445 last updated?

Rent data for ZIP 98445 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
26%
AFFORDABLE

At $2,033/mo, rent takes ~26% of ZIP 98445's median household income ($92,520/yr). The standard benchmark is 30%.

ZIP 98445 26%Benchmark 30%
State income taxNone
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Public schools near ZIP 98445 (Clover Creek, WA)

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