98045 ZIP Code — North Bend, WA

King County, Washington

ZIP code 98045 is located in North Bend, Washington, within King County. It covers approximately 172.28 square miles and serves a population of 15,412 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 425.

About ZIP code 98045

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $779,800. Owner-occupancy is high at 84%, well above the national average.

The gap between median ($154,803) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 5% is below the national average.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 30 minutes is near the national average. Remote work is prevalent — 21% of workers work from home.

Educational attainment is high — 51% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 98045 reflects a community defined by a highly educated population, high homeownership, and a high rate of remote workers.

15,412

population

172.28

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

98045 ZIP code map

Cities in ZIP code 98045

Below are the cities the US Postal Service accepts for ZIP code 98045. Using any city not on this list may result in mail delivery delays.

City	Status
North Bend	Acceptable
North Bend	Preferred

Nearby ZIP codes

98065 Snoqualmie (13.2 mi) 98024 Fall City (15.4 mi) 98051 Ravensdale (18.9 mi)

Demographics updated 05/2026

Population
Total population	15,412
Population density	89 / sq mi
State FIPS	53
County FIPS	033

Geography
Land area	172.28 sq mi
Water area	3.79 sq mi
Latitude	47.4610
Longitude	-121.5447
Timezone	Pacific (PT)
Area code	425

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	21.2%	24.4%	31.7%
$50k – $100k	22.6%	25.9%	30.6%
$100k – $200k	33.0%	30.8%	27.1%
Over $200k	23.2%	18.9%	10.6%

Demographics & statistics

15,412

Population

People per sq mi

40.6

Median age

$154,803

Median household income

$70,108

Per capita income

$779,800

Median home value

$1,868

Median monthly rent

83.8%

Home ownership

4.8%

Poverty rate

2.4%

Unemployment

4,873

Housing units

51.0%

Bachelor's or higher

Age distribution

Male Female

386

Under 5

375

482

5–9

469

536

10–14

521

574

15–19

558

271

20–24

263

939

25–34

914

1,299

35–44

1,265

1,248

45–54

1,215

650

55–59

632

458

60–64

445

704

65–74

685

208

75–84

202

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	3,467	22.5%
18 and over	11,945	77.5%
65 and over	1,912	12.4%
Median age	40.6 years

Race & ethnicity

White 75.5%

Two or more races 8.7%

Hispanic or Latino 6.6%

Asian 4.1%

Other race 3.1%

American Indian / Alaska Native 1.5%

Black or African American 0.4%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	12,454	75.5%
Two or more races	1,440	8.7%
Hispanic or Latino	1,083	6.6%
Asian	677	4.1%
Other race	508	3.1%
American Indian / Alaska Native	253	1.5%
Black or African American	70	0.4%
Native Hawaiian / Pacific Islander	10	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	21.2%	24.4%	31.7%
$50k – $100k	22.6%	25.9%	30.6%
$100k – $200k	33.0%	30.8%	27.1%
Over $200k	23.2%	18.9%	10.6%

Under $10k 2.3%

$10k–$15k 1.4%

$15k–$25k 1.2%

$25k–$35k 4.3%

$35k–$50k 6.2%

$50k–$75k 9.3%

$75k–$100k 10.2%

$100k–$150k 13.4%

$150k–$200k 15.6%

$200k+ 36.1%

Range	% of households
Under $10k	2.3%
$10k–$15k	1.4%
$15k–$25k	1.2%
$25k–$35k	4.3%
$35k–$50k	6.2%
$50k–$75k	9.3%
$75k–$100k	10.2%
$100k–$150k	13.4%
$150k–$200k	15.6%
$200k+	36.1%
Median income	$154,803

Housing

Home values

Under $50k 1.4%

$50k–$100k 1.7%

$200k–$300k 1.2%

$300k–$500k 12.1%

$500k–$1M 57.2%

$1M+ 26.4%

Housing overview

Metric	Value
Median home value	$779,800
Median rent / month	$1,868
Owner occupied	83.8%
Renter occupied	16.2%
Vacant	2.8%
Single-family detached	82.0%
Large apartment buildings	4.8%
Mobile homes	4.4%
Median rooms	6.8
Avg household size (owned)	2.80

Year built

Era	%
2020 or later	1.7%
2010–2019	9.2%
2000–2009	9.1%
1990–1999	26.2%
1980–1989	22.5%
1970–1979	16.1%
1960–1969	5.7%
1950–1959	3.0%
1940–1949	1.8%
1939 or earlier	4.8%

Bedrooms

Size	% of units
No bedroom (studio)	0.3%
1 bedroom	5.8%
2 bedrooms	14.7%
3 bedrooms	45.4%
4 bedrooms	28.8%
5+ bedrooms	5.0%

Vehicles per household

Vehicles	% of households
No vehicle	4.5%
1 vehicle	16.5%
2 vehicles	44.1%
3 or more	34.8%

Heating fuel

Fuel type	%
Utility gas	41.6%
Electricity	43.7%
Propane / LP gas	6.7%
Fuel oil	2.4%
Wood	4.1%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	3,667	65.2%
Cohabiting couple	380	6.8%
Male householder, no spouse	613	10.9%
Female householder, no spouse	967	17.2%
Households with children under 18	1,986	35.3%
Households with seniors (65+)	1,385	24.6%
Average household size	2.72

Marital status

Status	Male	Female
Never married	30.6%	22.2%
Married	58.8%	60.6%
Separated	0.0%	0.0%
Widowed	2.7%	4.5%
Divorced	7.9%	12.6%

Education

Less than 9th grade 1.7%

Some HS, no diploma 2.5%

HS graduate 16.6%

Some college, no degree 18.7%

Associate's degree 9.4%

Bachelor's degree 31.3%

Graduate / professional 19.7%

Metric	%
HS diploma or higher	95.7%
Bachelor's or higher	51.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	440	12.1%
Kindergarten	191	5.3%
Elementary school	1,547	42.6%
High school	1,043	28.7%
College / grad school	407	11.2%

Employment

Industry of employment

Education & healthcare 23.1%

Professional & management 21.8%

Arts, food & hospitality 13.0%

Retail trade 11.6%

Construction 6.7%

Manufacturing 5.9%

Finance & real estate 4.8%

Transportation & utilities 3.5%

Other services 3.0%

Wholesale trade 2.4%

Information 2.4%

Public administration 1.8%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	58.6%
Service	15.7%
Sales & office	16.3%
Natural resources & construction	4.3%
Production & transportation	5.0%

Employment type

Type	%
Private sector	84.4%
Government	11.5%
Self-employed	4.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	64.0%
Carpool	9.1%
Public transit	1.2%
Walk	2.3%
Work from home	21.4%
Other means	2.1%
Avg commute (minutes)	30.2

Poverty

All people 4.8%

Under 18 years 3.0%

18 and over 5.3%

Married-couple families 0.7%

Female-led households 16.4%

Income support

Source	% of households
Social Security	24.5%
Retirement income	20.4%
Supplemental Security	0.8%
Cash public assistance	3.3%
Food stamps / SNAP	3.7%

Health indicators

Condition	%
Obesity	23.2%
High blood pressure	26.1%
High cholesterol	29.9%
Diabetes	6.2%
Heart disease	4.2%
Stroke	2.1%
Asthma	9.8%
Arthritis	19.9%
Kidney disease	2.2%
Pulmonary disease	4.2%
Cancer	6.1%

Behavior / access	%
Smoking	11.4%
Binge drinking	20.8%
No physical activity	12.5%
Less than 7 hrs sleep	26.8%
Depression	26.1%
Fair or poor health	9.4%
Poor mental health	13.7%
Poor physical health	8.2%
No health insurance	8.1%
Visited doctor (checkup)	67.8%
Visited dentist	74.6%
Cholesterol screening	90.3%
Teeth loss	7.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	975	8.2%

Disability	%
Any disability	8.7%
Under 18	1.9%
18–64 years	8.4%
65 and over	23.0%

Health insurance coverage

Type	%
Private insurance	82.4%
Public insurance	20.7%
No insurance	7.0%
Uninsured under 19	8.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	14,651	95.1%
Spanish	415	2.8%
Other Indo-European	219	1.5%
Asian & Pacific Islander	17	0.1%
Other languages	179	1.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	14,073	91.3%
Born in same state	13,844	89.8%
Born in different state	7,481	48.5%
Foreign born	229	1.5%
Naturalized citizen	1,339	8.7%
Not a US citizen	682	50.9%

Ancestry

Ancestry	Count	%
French	2,238	14.5%
Italian	2,096	13.6%
Polish	724	4.7%
Arab	279	1.8%
Dutch	233	1.5%

Ancestry	Count	%
German	219	1.4%
English	162	1.1%
Norwegian	22	0.1%
Irish	17	0.1%

Technology access

Metric	% of households
Computer access	36.5%
Internet access	98.8%

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

Frequently asked questions about ZIP code 98045

What city is ZIP code 98045 in?

ZIP code 98045 is primarily assigned to North Bend, Washington.

What county is ZIP code 98045 in?

ZIP code 98045 falls within King County, Washington.

Is ZIP code 98045 mostly owner-occupied?

84% of occupied units in ZIP code 98045 are owner-occupied, well above the national average.

How educated is the population of ZIP code 98045?

51% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the median household income in ZIP code 98045?

The median household income in ZIP code 98045 is $154,803, above the national median of ~$75,000.

What is the typical home value in ZIP code 98045?

The median home value in ZIP code 98045 is $779,800.

What timezone is ZIP code 98045 in?

ZIP code 98045 observes the PST timezone.