ZIP Code · WA

ZIP 98446

Part of Clover Creek, WA

Pop. 14,634·Pierce County·92nd most expensive ZIP in Washington

Median rent (all units)

$2,074/mo

Year-over-Year

+2.6%

Month-over-Month

+0.9%

vs US Median

+$142

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 98446 · $2,074

More expensive than 65% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$1,590

1 BR

$1,790

2 BR

$2,200

3 BR

$3,050

4 BR+

$3,460

Research median

$2,200/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: October 17, 2026

From the history

What the numbers show

Compared with the peak

Rent in ZIP 98446 is 0.1% below its high of $2,077 in April 2026, at $2,074 as of September 2026.

Past year vs. the rest of Washington

Rent in ZIP 98446 changed +2.6% over the year to September 2026. Across the 193 Washington ZIP codes Zillow tracks, the typical change was +2.5%.

Recent direction

Rent has risen 3 months in a row, and rose in 9 of the last 12 months.

What a typical income covers

30% of the median household income ($101,938) is $2,548 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($2,200); a 3-bedroom is $3,050.

Cheaper nearby

ZIP 98444, 4 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 98446. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$24,888/yr

At $2,074/mo median

Location

CityClover Creek

StateWA

CountyPierce County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (2.6% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+2.6% YoY, +0.9% MoM), not inventory.

Demographics

Who lives here

ZIP 98446 (Clover Creek, WA) is majority owner-occupied, has a large share of families with children, has a median income above the national average, 21.5% of residents hold a bachelor's degree or higher.

Population

14,634

Median income

$101,938

Median age

36.7

Renters

33.2%

Age distribution

25.1%

22%

25.3%

14.3%

13.3%

Under 1825.1%

18–3422%

35–5425.3%

55–6414.3%

65+13.3%

Gender

50.6%

49.4%

Male50.6%

Female49.4%

Race & ethnicity

60.4%

15.4%

White60.4%

Black9.6%

Hispanic15.4%

Asian4.1%

Other10.3%

Education (25+)

12.3%

27.1%

39%

21.5%

No HS diploma12.3%

HS diploma27.1%

Some college39%

Bachelor's+21.5%

Housing tenure

66.8%

33.2%

Owner66.8%

Renter33.2%

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

2022 vs 2026

How ZIP 98446 in Clover Creek, WA has changed in 5 years

Rent

$1,833 → $2,074

up 13.1%

Income

$89,743 → $101,938

up 13.6%

Population

13,068 → 14,634

up 12.0%

Renter share

25.4% → 33.2%

+7.8 pts

Bachelor's+

23.5% → 21.5%

-2.0 pts

Median age

37.6 → 36.7

-0.9 yrs

Since 2022, the typical rent in ZIP 98446 in Clover Creek, WA has increased from $1,833 to $2,074, a 13.1% change over five years. Census figures show median household income at $101,938 today, compared with $89,743 five years earlier. The population has grown by 12.0% since 2021, moving from about 13,068 residents to roughly 14,634. Renters now make up 33.2% of households, compared with 25.4% five years ago. College-educated residents now make up 21.5% of adults here, versus 23.5% in 2021. The combined trend lines point to a market that has changed measurably from where it stood in early 2022.

Community

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Local insights

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About renting in ZIP 98446

Last updated: October 17, 2026

ZIP code 98446 covers Clover Creek, WA. The median rent here is $2,074/mo as of October 2026. A 1-bedroom rents for a median of $1,790/mo. A 2-bedroom rents for a median of $2,200/mo.

At 24% of local median household income ($101,938/yr), ZIP 98446 ranks as affordable compared to the national benchmark of 30%. Rents have increased 2.6% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 98446?

To keep rent at or below 30% of gross income, you would need to earn at least $83,000/year (about $40/hour full-time) to afford the median rent of $2,074/mo in ZIP 98446. The local median household income is $101,938/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 98446?

Rent in ZIP 98446 has risen 2.6% over the past year as of September 2026. It sits 0.1% below its high of $2,077 in April 2026.

How does ZIP 98446 compare to other ZIPs in Washington?

ZIP 98446 is in the middle among Washington ZIP codes for rent, ranking #92 of 207 at $2,074/mo. Over the year to September 2026, rent in ZIP 98446 changed +2.6%, against a typical +2.5% across the 193 Washington ZIP codes Zillow tracks.