99645 ZIP Code — Palmer, AK

Matanuska Susitna County, Alaska

ZIP code 99645 is located in Palmer, Alaska, within Matanuska Susitna County. It covers approximately 586.22 square miles and serves a population of 30,849 residents. This is a standard ZIP code in the Alaska (AKT) timezone, served by area code 907.

About ZIP code 99645

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $313,500. Owner-occupancy is high at 78%, well above the national average.

Median household income is $93,242.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 32 minutes is near the national average.

Educational attainment is near the national average, with 30% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 13% of civilians, above the national average of 7%.

Overall, ZIP code 99645 reflects a community defined by a strong veteran community and high homeownership.

30,849

population

586.22

sq mi land

Standard

ZIP type

Alaska (AKT)

timezone

99645 ZIP code map

Cities in ZIP code 99645

Below are the cities the US Postal Service accepts for ZIP code 99645. Using any city not on this list may result in mail delivery delays.

City	Status
Palmer	Preferred

Nearby ZIP codes

99567 Chugiak (18.7 mi)

Demographics updated 06/2026

Population
Total population	30,849
Population density	53 / sq mi
State FIPS	02
County FIPS	170

Geography
Land area	586.22 sq mi
Water area	24.33 sq mi
Latitude	61.6060
Longitude	-148.9098
Timezone	Alaska (AKT)
Area code	907

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	30.7%	32.7%	29.8%
$50k – $100k	29.4%	29.9%	32.4%
$100k – $200k	30.2%	29.3%	28.9%
Over $200k	9.6%	8.1%	8.8%

Demographics & statistics

30,849

Population

People per sq mi

35.8

Median age

$93,242

Median household income

$40,987

Per capita income

$313,500

Median home value

$1,260

Median monthly rent

77.8%

Home ownership

7.8%

Poverty rate

6.9%

Unemployment

9,362

Housing units

30.0%

Bachelor's or higher

Age distribution

Male Female

1,075

Under 5

1,024

1,083

5–9

1,031

1,212

10–14

1,155

1,121

15–19

1,068

1,012

20–24

963

2,245

25–34

2,138

2,152

35–44

2,049

1,906

45–54

1,815

1,021

55–59

972

907

60–64

863

1,393

65–74

1,327

539

75–84

514

135

85+

129

← Male

Female →

Age summary

Group	Count	%
Under 18	8,000	25.9%
18 and over	22,849	74.1%
65 and over	4,037	13.1%
Median age	35.8 years

Race & ethnicity

White 75.4%

Two or more races 9.9%

American Indian / Alaska Native 6.1%

Hispanic or Latino 3.9%

Other race 1.4%

Black or African American 1.4%

Asian 1.2%

Native Hawaiian / Pacific Islander 0.8%

Group	Count	%
White	24,186	75.4%
Two or more races	3,165	9.9%
American Indian / Alaska Native	1,958	6.1%
Hispanic or Latino	1,248	3.9%
Other race	445	1.4%
Black or African American	435	1.4%
Asian	393	1.2%
Native Hawaiian / Pacific Islander	267	0.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	30.7%	32.7%	29.8%
$50k – $100k	29.4%	29.9%	32.4%
$100k – $200k	30.2%	29.3%	28.9%
Over $200k	9.6%	8.1%	8.8%

Under $10k 3.9%

$10k–$15k 2.3%

$15k–$25k 4.1%

$25k–$35k 4.6%

$35k–$50k 9.2%

$50k–$75k 14.2%

$75k–$100k 15.7%

$100k–$150k 21.1%

$150k–$200k 12.1%

$200k+ 12.8%

Range	% of households
Under $10k	3.9%
$10k–$15k	2.3%
$15k–$25k	4.1%
$25k–$35k	4.6%
$35k–$50k	9.2%
$50k–$75k	14.2%
$75k–$100k	15.7%
$100k–$150k	21.1%
$150k–$200k	12.1%
$200k+	12.8%
Median income	$93,242

Housing

Home values

Under $50k 1.8%

$50k–$100k 2.1%

$100k–$150k 3.1%

$150k–$200k 7.3%

$200k–$300k 32.1%

$300k–$500k 41.3%

$500k–$1M 11.5%

$1M+ 0.9%

Housing overview

Metric	Value
Median home value	$313,500
Median rent / month	$1,260
Owner occupied	77.8%
Renter occupied	22.2%
Vacant	7.5%
Single-family detached	81.0%
Large apartment buildings	1.6%
Mobile homes	2.9%
Median rooms	5.7
Avg household size (owned)	2.86

Year built

Era	%
2020 or later	0.9%
2010–2019	13.0%
2000–2009	27.9%
1990–1999	15.4%
1980–1989	23.1%
1970–1979	11.6%
1960–1969	2.4%
1950–1959	3.2%
1940–1949	1.2%
1939 or earlier	1.3%

Bedrooms

Size	% of units
No bedroom (studio)	2.2%
1 bedroom	7.6%
2 bedrooms	18.2%
3 bedrooms	45.0%
4 bedrooms	22.0%
5+ bedrooms	5.0%

Vehicles per household

Vehicles	% of households
No vehicle	3.0%
1 vehicle	22.9%
2 vehicles	37.5%
3 or more	36.6%

Heating fuel

Fuel type	%
Utility gas	77.2%
Electricity	8.1%
Propane / LP gas	1.6%
Fuel oil	9.1%
Wood	3.1%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	6,310	57.9%
Cohabiting couple	723	6.6%
Male householder, no spouse	1,608	14.8%
Female householder, no spouse	2,258	20.7%
Households with children under 18	3,991	36.6%
Households with seniors (65+)	2,944	27.0%
Average household size	2.75

Marital status

Status	Male	Female
Never married	32.1%	23.2%
Married	56.4%	55.8%
Separated	1.0%	1.2%
Widowed	2.1%	7.3%
Divorced	8.4%	12.5%

Education

Less than 9th grade 1.6%

Some HS, no diploma 3.2%

HS graduate 26.7%

Some college, no degree 27.4%

Associate's degree 11.1%

Bachelor's degree 19.6%

Graduate / professional 10.4%

Metric	%
HS diploma or higher	95.2%
Bachelor's or higher	30.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	296	3.9%
Kindergarten	365	4.9%
Elementary school	3,540	47.2%
High school	1,818	24.2%
College / grad school	1,488	19.8%

Employment

Industry of employment

Education & healthcare 25.0%

Construction 10.9%

Retail trade 10.9%

Public administration 10.7%

Professional & management 8.2%

Transportation & utilities 7.8%

Arts, food & hospitality 7.5%

Other services 5.1%

Agriculture & mining 4.1%

Finance & real estate 3.3%

Manufacturing 2.5%

Information 2.3%

Wholesale trade 1.7%

Occupation

Category	%
Management, business & arts	39.2%
Service	19.3%
Sales & office	18.3%
Natural resources & construction	13.2%
Production & transportation	10.0%

Employment type

Type	%
Private sector	67.9%
Government	24.0%
Self-employed	7.9%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	73.5%
Carpool	9.9%
Public transit	0.6%
Walk	2.3%
Work from home	9.1%
Other means	4.6%
Avg commute (minutes)	31.7

Poverty

All people 7.8%

Under 18 years 9.9%

18 and over 7.0%

Married-couple families 2.7%

Female-led households 24.2%

Income support

Source	% of households
Social Security	26.0%
Retirement income	29.3%
Supplemental Security	5.1%
Cash public assistance	6.3%
Food stamps / SNAP	9.6%

Health indicators

Condition	%
Obesity	33.3%
High blood pressure	30.2%
High cholesterol	30.0%
Diabetes	7.5%
Heart disease	5.0%
Stroke	2.4%
Asthma	9.5%
Arthritis	21.4%
Kidney disease	2.3%
Pulmonary disease	5.4%
Cancer	5.6%

Behavior / access	%
Smoking	18.6%
Binge drinking	19.5%
No physical activity	21.4%
Less than 7 hrs sleep	32.1%
Depression	18.7%
Fair or poor health	11.5%
Poor mental health	12.7%
Poor physical health	9.0%
No health insurance	14.0%
Visited doctor (checkup)	63.4%
Visited dentist	61.6%
Cholesterol screening	86.7%
Teeth loss	14.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	2,897	13.0%

Disability	%
Any disability	13.6%
Under 18	4.5%
18–64 years	13.1%
65 and over	33.8%

Health insurance coverage

Type	%
Private insurance	69.1%
Public insurance	33.3%
No insurance	11.6%
Uninsured under 19	10.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	28,750	93.2%
Spanish	377	1.3%
Other Indo-European	85	0.3%
Asian & Pacific Islander	60	0.2%
Other languages	165	0.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	30,061	97.4%
Born in same state	29,550	95.8%
Born in different state	12,335	40.0%
Foreign born	511	1.7%
Naturalized citizen	788	2.6%
Not a US citizen	543	68.9%

Ancestry

Ancestry	Count	%
French	3,559	11.5%
Italian	3,006	9.7%
Arab	1,380	4.5%
Polish	1,298	4.2%
English	448	1.5%

Ancestry	Count	%
Dutch	226	0.7%
German	225	0.7%
Norwegian	73	0.2%
Irish	59	0.2%

Technology access

Metric	% of households
Computer access	35.3%
Internet access	97.6%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 99645

What city is ZIP code 99645 in?

ZIP code 99645 is primarily assigned to Palmer, Alaska.

What county is ZIP code 99645 in?

ZIP code 99645 falls within Matanuska Susitna County, Alaska.

Does ZIP code 99645 have a large veteran population?

13% of civilians in ZIP code 99645 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 99645?

The median home value in ZIP code 99645 is $313,500.

What is the population of ZIP code 99645?

ZIP code 99645 has an estimated population of 30,849 residents, with a density of 53 people per square mile.

What is the median household income in ZIP code 99645?

The median household income in ZIP code 99645 is $93,242, above the national median of ~$75,000.

What timezone is ZIP code 99645 in?

ZIP code 99645 observes the AKST timezone.