98446 Zip Code Detailed Profile




Cities: Clover Creek, WA (39.70%), Frederickson, WA (37.87%), Summit, WA (22.43%)
County: Pierce County, WA
Estimated zip code population in 2013: 10,065
Zip code population in 2010: 10,173
Zip code population in 2000: 9,178

Houses and condos: 4,107
Renter-occupied apartments: 1,202
% of renters here:

31%
State:

38%
Mar. 2013 cost of living index in zip code 98446: 109.5 (more than average, U.S. average is 100)

Land area: 11.0 sq. mi.
Water area: 0.0 sq. mi.
Population density: 916 people per square mile 
 
 (low).

Age and Sex of Residents in zip code 98446
Zip code 98446 (Clover Creek, Washington) real estate house value trends

Recent home sales, real estate maps, and home value estimator for zip code 98446

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Real estate property taxes paid for housing units in 2013:
This zip code:

1.3% ($3,201)
Washington:

1.1% ($2,743)
Median real estate property taxes paid for housing units with mortgages in 2013: $3,166 (1.3%)
Median real estate property taxes paid for housing units with no mortgage in 2013: $3,324 (1.4%)

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Males: 4,866  (48.3%)
Females: 5,199  (51.7%)

For population 25 years and over in 98446:

For population 15 years and over in 98446:

Zip code 98446 compared to state average:

  • Black race population percentage above state average.
  • Hispanic race population percentage below state average.
  • Percentage of population with a bachelor's degree or higher below state average.
  • Races in zip code 98446

  • Zip code 98446 races chart
    • 7,664White population
    • 497Black population
    • 112American Indian population
    • 478Asian population
    • 198Native Hawaiian and Other Pacific Islander population
    • 18Some other race population
    • 552Two or more races population
    • 654Hispanic or Latino population

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Data:
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Based on 2000-2013 data
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123
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100% urban population.

Estimated median house/condo value in 2013: $248,600
98446:

$248,600
Washington:

$250,800
Median resident age:
This zip code:

39.2 years
Washington median age:

37.4 years
Average household size:
This zip code:

2.6 people
Washington:

2.6 people

Averages for the 2012 tax year for zip code 98446, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $54,665 (Individual Income Tax Returns)
Here:

$54,665
State:

$69,533

Salary/wage: $48,827 (reported on 83.2% of returns)
Here:

$48,827
State:

$57,267
(% of AGI for various income ranges: 72.4% for AGIs below $25k, 77.6% for AGIs $25k-50k, 77.3% for AGIs $50k-75k, 74.7% for AGIs $75k-100k, 78.7% for AGIs $100k-200k, 52.0% for AGIs over 200k)

Taxable interest for individuals: $1,064 (reported on 34.0% of returns)
This zip code:

$1,064
Washington:

$1,816
(% of AGI for various income ranges: 1.0% for AGIs below $25k, 0.7% for AGIs $25k-50k, 0.7% for AGIs $50k-75k, 0.6% for AGIs $75k-100k, 0.5% for AGIs $100k-200k, 0.8% for AGIs over 200k)

Ordinary dividends: $2,564 (reported on 15.5% of returns)
Here:

$2,564
State:

$8,163
(% of AGI for various income ranges: 1.5% for AGIs below $25k, 0.8% for AGIs $25k-50k, 0.5% for AGIs $50k-75k, 0.8% for AGIs $75k-100k, 0.7% for AGIs $100k-200k, 0.6% for AGIs over 200k)

Net capital gain/loss in AGI: +$7,084 (reported on 11.6% of returns)
Here:

+$7,084
State:

+$21,568
(% of AGI for various income ranges: 0.3% for AGIs $50k-75k, 0.8% for AGIs $100k-200k, 11.8% for AGIs over 200k)

Profit/loss from business: +$10,955 (reported on 11.6% of returns)
Here:

+$10,955
State:

+$16,521
(% of AGI for various income ranges: 5.7% for AGIs below $25k, 3.0% for AGIs $25k-50k, 2.1% for AGIs $50k-75k, 1.7% for AGIs $75k-100k, 2.4% for AGIs $100k-200k)

Taxable individual retirement arrangement distribution: $10,427 (reported on 9.2% of returns)
98446:

$10,427
Washington:

$18,648
(% of AGI for various income ranges: 3.1% for AGIs below $25k, 1.7% for AGIs $25k-50k, 1.9% for AGIs $50k-75k, 2.2% for AGIs $75k-100k, 1.8% for AGIs $100k-200k)

Total itemized deductions: $20,608 (24% of AGI, reported on 35.5% of returns)
Here:

$20,608
State:

$23,872

Here:

23.9% of AGI
State:

18.2% of AGI
(% of AGI for various income ranges: 12.4% for AGIs below $25k, 12.2% for AGIs $25k-50k, 13.5% for AGIs $50k-75k, 14.1% for AGIs $75k-100k, 15.0% for AGIs $100k-200k, 10.1% for AGIs over 200k)

Charity contributions: $2,924 (reported on 27.5% of returns)
Here:

$2,924
State:

$4,465
(% of AGI for various income ranges: 0.9% for AGIs below $25k, 1.2% for AGIs $25k-50k, 1.3% for AGIs $50k-75k, 1.6% for AGIs $75k-100k, 1.9% for AGIs $100k-200k, 1.5% for AGIs over 200k)

Taxes paid: $5,475 (reported on 35.5% of returns)
98446:

$5,475
State:

$6,400
(% of AGI for various income ranges: 2.6% for AGIs below $25k, 3.1% for AGIs $25k-50k, 3.6% for AGIs $50k-75k, 4.1% for AGIs $75k-100k, 4.2% for AGIs $100k-200k, 2.4% for AGIs over 200k)

Earned income credit: $2,085 (reported on 15.3% of returns)
Here:

$2,085
State:

$2,073
(% of AGI for various income ranges: 5.4% for AGIs below $25k, 1.0% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2012 taxes: 44.5%
Here:

45%
State:

43%
(% for various income ranges: 36.9% for AGIs below $25k, 43.2% for AGIs $25k-50k, 46.1% for AGIs $50k-75k, 49.0% for AGIs $75k-100k, 57.6% for AGIs $100k-200k, 75.0% for AGIs over 200k)

Averages for the 2004 tax year for zip code 98446, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $47,236 (Individual Income Tax Returns)
Here:

$47,236
State:

$54,331

Salary/wage: $43,046 (reported on 84.4% of returns)
Here:

$43,046
State:

$45,761
(% of AGI for various income ranges: 110.1% for AGIs below $10k, 71.1% for AGIs $10k-25k, 78.9% for AGIs $25k-50k, 81.5% for AGIs $50k-75k, 83.6% for AGIs $75k-100k, 67.9% for AGIs over 100k)

Taxable interest for individuals: $1,166 (reported on 44.2% of returns)
This zip code:

$1,166
Washington:

$2,110
(% of AGI for various income ranges: 5.0% for AGIs below $10k, 2.0% for AGIs $10k-25k, 1.1% for AGIs $25k-50k, 1.0% for AGIs $50k-75k, 0.6% for AGIs $75k-100k, 1.0% for AGIs over 100k)

Taxable dividends: $1,612 (reported on 22.1% of returns)
Here:

$1,612
State:

$5,879
(% of AGI for various income ranges: 3.5% for AGIs below $10k, 1.4% for AGIs $10k-25k, 0.6% for AGIs $25k-50k, 0.4% for AGIs $50k-75k, 0.4% for AGIs $75k-100k, 1.1% for AGIs over 100k)

Net capital gain/loss: +$6,620 (reported on 17.9% of returns)
Here:

+$6,620
State:

+$15,835
(% of AGI for various income ranges: -1.1% for AGIs below $10k, 0.6% for AGIs $10k-25k, 0.5% for AGIs $25k-50k, 0.9% for AGIs $50k-75k, 0.8% for AGIs $75k-100k, 6.8% for AGIs over 100k)

Profit/loss from business: +$12,231 (reported on 13.3% of returns)
Here:

+$12,231
State:

+$13,994
(% of AGI for various income ranges: -11.6% for AGIs below $10k, 5.6% for AGIs $10k-25k, 3.6% for AGIs $25k-50k, 2.6% for AGIs $50k-75k, 1.9% for AGIs $75k-100k, 5.0% for AGIs over 100k)

IRA payment deduction: $2,940 (reported on 2.4% of returns)
98446:

$2,940
Washington:

$3,001
(% of AGI for various income ranges: 0.3% for AGIs $10k-25k, 0.2% for AGIs $25k-50k, 0.1% for AGIs $50k-75k, 0.1% for AGIs $75k-100k, 0.1% for AGIs over 100k)

Self-employed pension: $4,941 (reported on 0.4% of returns)
Here:

$4,941
Washington:

$14,244

Total itemized deductions: $17,175 (24% of AGI, reported on 41.4% of returns)
Here:

$17,175
State:

$19,669

Here:

23.9% of AGI
State:

20.7% of AGI
(% of AGI for various income ranges: 13.5% for AGIs below $10k, 13.5% for AGIs $10k-25k, 15.7% for AGIs $25k-50k, 17.3% for AGIs $50k-75k, 17.3% for AGIs $75k-100k, 11.9% for AGIs over 100k)

Charity contributions deductions: $2,455 (3% of AGI, reported on 35.3% of returns)
Here:

$2,455
State:

$3,569

Here:

3.3% of AGI
State:

3.5% of AGI
(% of AGI for various income ranges: 0.7% for AGIs below $10k, 1.3% for AGIs $10k-25k, 1.3% for AGIs $25k-50k, 2.0% for AGIs $50k-75k, 2.0% for AGIs $75k-100k, 2.2% for AGIs over 100k)

Total tax: $6,491 (reported on 78.2% of returns)
98446:

$6,491
State:

$9,065
(% of AGI for various income ranges: 2.2% for AGIs below $10k, 4.3% for AGIs $10k-25k, 6.9% for AGIs $25k-50k, 8.7% for AGIs $50k-75k, 10.0% for AGIs $75k-100k, 17.5% for AGIs over 100k)

Earned income credit: $1,625 (reported on 12.4% of returns)
Here:

$1,625
State:

$1,607

Percentage of individuals using paid preparers for their 2004 taxes: 52.4%
Here:

52%
State:

49%
(% for various income ranges: 41.7% for AGIs below $10k, 52.6% for AGIs $10k-25k, 53.6% for AGIs $25k-50k, 52.2% for AGIs $50k-75k, 56.6% for AGIs $75k-100k, 64.1% for AGIs over 100k)

Estimated median household income in 2013:
This zip code:

$61,703
Washington:

$58,405
Clover Creek, WA (98446) map Nearest zip codes: 98445, 98375, 98373, 98447, 98387, 98443.
Percentage of family households:
This zip code:

54.8%
Washington:

49.7%
Percentage of households with unmarried partners:
This zip code:

8.4%
Washington:

7.2%
Likely homosexual households (counted as self-reported same-sex unmarried-partner households)

Household received Food Stamps/SNAP in the past 12 months: 419
Household did not receive Food Stamps/SNAP in the past 12 months: 3,495


Women who had a birth in the past 12 months: 191 (153 now married, 38 unmarried)
Women who did not have a birth in the past 12 months: 2,278 (1,009 now married, 1,269 unmarried)


Housing units in zip code 98446 with a mortgage: 2,027 (101 second mortgage, 216 home equity loan, 5 both second mortgage and home equity loan)
Houses without a mortgage: 685

Median monthly owner costs for units with a mortgage: $1,698
Median monthly owner costs for units without a mortgage: S488

Residents with income below the poverty level in 2013:
This zip code:

8.6%
Whole state:

14.1%
Residents with income below 50% of the poverty level in 2013:
This zip code:

6.9%
Whole state:

7.8%
Median number of rooms in houses and condos:
Here:

6.3
State:

6.5
Median number of rooms in apartments:
Here:

4.9
State:

4.2
  • Notable locations in this zip code not listed on our city pages

  • Click to draw/clear zip code borders
  • Churches in zip code 98446 include: Our Savior Lutheran Church (A), Pacific Christian Center (B), Sound Life Church (C), Summit Christian Fellowship Church (D), Summit United Methodist Church (E), Calvary Chapel of Tacoma (F), Crossroads Church (G), Korean Mission Church (H), L'Arche Tahoma Hope Community Church (I). Display/hide their locations on the map

Year house built

  • 02010 or later
  • 9832000 to 2009
  • 5811990 to 1999
  • 5011980 to 1989
  • 6011970 to 1979
  • 6461960 to 1969
  • 3601950 to 1959
  • 1051940 to 1949
  • 3301939 or earlier

Zip code 98446 satellite photo by USGS

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in Clover Creek, WA (98446)

  • 0no bedroom
  • 81 bedroom
  • 3082 bedrooms
  • 1,8033 bedrooms
  • 5104 bedrooms
  • 835+ bedrooms

Bedrooms in renter-occupied apartments in Clover Creek, WA (98446)

  • 32no bedroom
  • 981 bedroom
  • 5092 bedrooms
  • 4603 bedrooms
  • 874 bedrooms
  • 165+ bedrooms
Owner-occupied Renter-occupied

Cars and other vehicles available in Clover Creek, WA (98446) in owner-occupied houses/condos

  • 46no vehicle
  • 5231 vehicle
  • 1,2372 vehicles
  • 4353 vehicles
  • 3214 vehicles
  • 1505+ vehicles

Cars and other vehicles available in Clover Creek, WA (98446) in renter-occupied apartments

  • 57no vehicle
  • 3711 vehicle
  • 6152 vehicles
  • 1443 vehicles
  • 154 vehicles
  • 05+ vehicles

Median gross rent in 2013: $1,169.

Estimated median house (or condo) value in 2013 for:


Estimated median house or condo value in 2013: $248,600
98446:

$248,600
Washington:

$250,800
Lower value quartile - upper value quartile: $203,900 - $321,400

Mean price in 2013:

Detached houses: $263,853
Here:

$263,853
State:

$329,559

Townhouses or other attached units: $219,496
Here:

$219,496
State:

$270,940

In 2-unit structures: $181,905
Here:

$181,905
State:

$280,281

In 3-to-4-unit structures: $194,771
Here:

$194,771
State:

$202,515

In 5-or-more-unit structures: $239,077
Here:

$239,077
State:

$245,538

Mobile homes: $92,564
Here:

$92,564
State:

$98,688

Occupied boats, RVs, vans, etc.: $34,288
Here:

$34,288
State:

$69,606

Owners and renters by unit type in %

Housing units in structures:


Unemployment: 8.3%

Percentage of zip code residents living and working in this county: 73.4%

Household type by relationship:

Households: 10,030

Size of family households: 1,209 2-persons, 762 3-persons, 436 4-persons, 179 5-persons, 68 6-persons, 26 7-or-more-persons

Size of nonfamily households: 877 1-person, 325 2-persons, 10 4-persons, 22 6-persons

1,224 married couples with children.
652 single-parent households (262 men, 390 women).

84.2% of residents of 98446 zip code speak English at home.
2.8% of residents speak Spanish at home (86% very well, 12% well, 2% not well).
5.2% of residents speak other Indo-European language at home (49% very well, 17% well, 35% not well).
7.4% of residents speak Asian or Pacific Island language at home (42% very well, 15% well, 39% not well, 4% not at all).
0.4% of residents speak other language at home (100% very well).

Foreign born population: 915 (9.1%)
(50.9% of them are naturalized citizens)
This zip code:

9.1%
Whole state:

13.5%

Most common places of birth for the foreign-born residents

  • 22%Korea
  • 12%Mexico
  • 11%Philippines
  • 8%Thailand
  • 6%Oceania, n.e.c.
  • 4%Other Eastern Africa
  • 4%Vietnam

Most common first ancestries reported in 98446 (%)

  • 30%Other groups
  • 18%German
  • 8%Irish
  • 7%American
  • 5%English
  • 5%Norwegian
  • 3%Italian

Year of entry for the foreign-born population

  • 02010 or later
  • 3292000 to 2009
  • 3321990 to 1999
  • 548Before 1990

Public primary/middle schools in zip code 98446 not listed on the city page:

  • CLOVER CREEK ELEMENTARY (Students: 482; Location: 16715 36TH AVENUE EAST, TACOMA, WA; Grades: KG - 06)
  • COLLINS ELEMENTARY (Students: 400; Location: 4608 128TH ST E, TACOMA, WA; Grades: PK - 06)
  • CENTRAL AVENUE ELEMENTARY (Students: 342; Location: 4505 104TH STREET E, TACOMA, WA; Grades: KG - 06)
There are 13 Medical Specialists in Zip Code 98446.

Facilities with environmental interests located in this zip code:


Zip code 98446 marital status for males
Zip code 98446 marital status for females

Housing units lacking complete plumbing facilities: 1.0%

Most commonly used house heating fuel

  • 77%Electricity
  • 15%Utility gas
  • 4%Wood
  • 2%Fuel oil, kerosene, etc.
  • 1%Bottled, tank, or LP gas
  • 1%Other fuel

Population in 1990: 7,156. Population change in the 1990s: +2,022 (+28.3%).

Place of birth for U.S.-born residents:


56% of the 98446 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 69% lived in this county.
   Out of people who lived in different counties, 50% lived in Washington.

87% of the 98446 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 59% moved from this county.
   Out of people who lived in different houses, 27% moved from different county within same state.
   Out of people who lived in different houses, 6% moved from different state.
   Out of people who lived in different houses, 8% moved from abroad.

Year Householders Moved Into Unit

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 52
Here:

5.2%
Washington:

10.0%
Students in private schools in grades 9 to 12 (high school): 29
Here:

6.6%
Washington:

6.5%
Students in private undergraduate colleges: 55
Here:

15.7%
Washington:

17.0%

Educational Attainment (%)

School Enrollment by Level of School (%)

Class of Workers (%)

Occupation by median earnings in the past 12 months ($)

  • 120,417Architecture and engineering occupations
  • 76,919Management occupations
  • 55,449Business and financial operations occupations
  • 53,158Installation, maintenance, and repair occupations
  • 51,736Health diagnosing and treating practitioners and other technical occupations
  • 49,261Computer and mathematical occupations

Companies with federal contracts located in this zip code (TACOMA, WA):

Top industries in this zip code by the number of employees in 2005:


Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)

Age and Sex of Physically-Disabled Residents (Noninstitutionalized)

Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)

Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)

Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)

Age and Sex of Residents with Employment Disability (Noninstitutionalized)

People in group quarters in 2010:

  • 24 people in group homes intended for adults
  • 6 people in workers' group living quarters and job corps centers

People in group quarters in 2000:

  • 23 people in other types of correctional institutions
  • 23 people in homes for the mentally retarded
  • 15 people in other noninstitutional group quarters

Fatal accident statistics in 2011:

  • Fatal accident count: 1
  • Vehicles involved in fatal accidents: 1
  • Fatal accidents caused by drunken drivers: 0
  • Fatalities: 1
  • Persons involved in fatal accidents: 4
  • Pedestrians involved in fatal accidents: 0
Home Mortgage Disclosure Act Aggregated Statistics For Year 2009
(Based on 8 partial tracts)
A) FHA, FSA/RHS & VA
Home Purchase Loans
B) Conventional
Home Purchase Loans
C) Refinancings
D) Home Improvement Loans
E) Loans on Dwellings For 5+ Families
F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D)
G) Loans On Manufactured
Home Dwelling (A B C & D)
NumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED199$223,30486$205,639768$213,88735$129,1400$057$160,09427$176,516
APPLICATIONS APPROVED, NOT ACCEPTED13$203,6764$172,37592$229,3532$7,5450$01$181,8403$105,893
APPLICATIONS DENIED31$231,27324$213,243290$229,39524$107,4250$021$151,98912$131,380
APPLICATIONS WITHDRAWN29$206,6727$227,063207$230,0998$102,4462$242,52014$182,83011$201,526
FILES CLOSED FOR INCOMPLETENESS5$234,5985$298,99043$252,8962$188,5150$01$241,4800$0

Detailed HMDA statistics for the following Tracts: 0711.00 , 0713.05, 0713.06, 0714.06

Private Mortgage Insurance Companies Aggregated Statistics For Year 2009
(Based on 8 partial tracts)
A) Conventional
Home Purchase Loans
B) Refinancings
C) Non-occupant Loans on
< 5 Family Dwellings (A & B)
NumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED12$298,01614$220,8602$120,450
APPLICATIONS APPROVED, NOT ACCEPTED5$269,49410$300,8070$0
APPLICATIONS DENIED3$352,3773$235,1230$0
APPLICATIONS WITHDRAWN4$448,4205$246,5880$0
FILES CLOSED FOR INCOMPLETENESS0$00$00$0

Detailed PMIC statistics for the following Tracts: 0711.00 , 0713.05, 0713.06, 0714.06

Conventional Home Purchase Loans

Conventional Home Purchase Loans - Value

Most common first names in zip code 98446 among deceased individuals
NameCountLived (average)
John4174.5 years
Robert2865.2 years
James2876.7 years
George2474.0 years
William2273.8 years
Elizabeth1979.2 years
Mary1875.3 years
Joseph1771.5 years
Harold1778.2 years
Richard1772.4 years
Most common last names in zip code 98446 among deceased individuals
Last nameCountLived (average)
Anderson2378.2 years
Smith2279.2 years
Johnson1280.6 years
Brown1074.5 years
Clark1073.3 years
Martin973.4 years
Larson985.3 years
Nelson986.1 years
Young879.5 years
Morris876.2 years

Businesses in zip code 98446



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