AreaProfile

98409Tacoma, Washington

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 98409.

56
Area Score
Bottom 27% of 695 published profiles

How we calculate this

How this area ranks
Opportunity593rd of 727 published ZIP areas39
GrowthTop 9% of 701 published ZIP areas72
Housing affordability581st of 800 published ZIP areas55
ClimateTop 37% of 779 published ZIP areas74
Physical resilience609th of 800 published ZIP areas32
Access666th of 779 published ZIP areas89
Economic stabilityTop 42% of 800 published ZIP areas62
The quick read

Employment conditions sit below most comparable published ZIP profiles: unemployment is 5.3% and the Opportunity signal places 98409 in the bottom 18%.

Development activity is both elevated and accelerating — 1,267 housing units permitted over the past twelve months, up 155% on the prior year.

Physical-risk exposure is above the national median, driven mainly by earthquake, heat wave and avalanche.

At a glance

Population
27,843
2024 ACS 5-Year
Median household income
$73,348
Top 48% nationally
Density
3,899/sq mi
7.1 sq mi of land
Median age
33.2
2024 ACS 5-Year
City
Tacoma
Washington
Metro area
Seattle-Tacoma-Bellevue, WA
Nearest major airport
SEA
18 mi · Seattle-Tacoma Intl
Median home value
$394,500
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 5.3% is lower than 19% of the 1,061 measured US ZIP areas.

Employment fell 1.3% over the past year, to 119,962 employed residents.

MetricValueCompared with peersSource period
Median household income ±$8,400$73,348Top 48%2024 ACS 5-Year
Per capita income ±$4,554$40,831Top 37%2024 ACS 5-Year
Poverty rate15.6%Top 29%2024 ACS 5-Year
Average commute29.9 minTop 38%2024 ACS 5-Year
Bachelor's degree or higher22.4%Bottom 48%2024 ACS 5-Year
Employment119,962Bottom 22%June 2026
Employment change (3 years)0.6%Top 48%June 2026
Employment change (year over year)-1.3%Bottom 39%June 2026
Labor force126,652Bottom 22%June 2026
Labor force participation69.5%Top 16%2024 ACS 5-Year
Mean annual wage$91,790Top 5%2025 OEWS
Median annual wage$72,610Top 4%2025 OEWS
Unemployment change (year over year)0.4%Top 38%June 2026
Unemployment rate5.3%Top 19%June 2026
Median household income, successive ACS releases
202120222023202473k59k
Each point is a separate five-year estimate, most recently $73,348 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Seattle-Tacoma-Bellevue, WA
OccupationPeople employedMedian annual wage
Software Developers92,770$167,280
Home Health and Personal Care Aides54,670$48,210
Fast Food and Counter Workers49,190$39,150
Retail Salespersons46,620$42,080
Registered Nurses39,900$128,260
Business Operations Specialists, All Other38,800$101,920

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Tacoma, WA, the city containing this ZIP code.

Housing & affordability

How it’s calculated →

Median rent of $1,645 takes 27% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 5.4 times median household income here, well above the historic benchmark, at a level conventionally described as seriously unaffordable.

Rent as a share of income
26.9%
Below the 30% cost-burdened threshold
Home price to income
5.4×
median home value ÷ median income
Median gross rent
$1,645
2024 ACS 5-Year
Median home value
$394,500
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income5.38Top 13%2024 ACS 5-Year
Homeownership rate44.4%Bottom 7%2024 ACS 5-Year
Housing units ±62112,688Top 12%2024 ACS 5-Year
Median gross rent ±$56$1,645Top 18%2024 ACS 5-Year
Median home value ±$17,858$394,500Top 21%2024 ACS 5-Year
Rent as a share of income26.9%Top 10%2024 ACS 5-Year
Vacancy rate3.7%Bottom 16%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
72/ 100
Top 9% of 701 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

80% of recently permitted units are in buildings of five or more homes, so new supply is concentrated in apartments and condominiums rather than detached houses.

At 5.7 permitted units per 1,000 residents, building activity is above the median for measured US ZIP areas.

Units permitted
1,267
12 months ending July 2026
Per 1,000 residents
5.7
Top 27% nationally
Year over year
+155%
vs the prior twelve months
Multifamily share
80.0%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Tacoma, WA, the city containing this ZIP code.

Weather & climate

5 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 76°F and January a low of 36°F.

Normal annual precipitation is 42.0 inches.

30°50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station TACOMA NARROWS AP, 6.1 miles from this location.
Precipitation
JFMAMJJASOND7.2"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation42.0"1991-2020 Normals
Average January low36°F1991-2020 Normals
Average July high76°F1991-2020 Normals
Comfortable months51991-2020 Normals
Seasonal temperature swing24°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

32 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are earthquake, heat wave and avalanche.

EarthquakeHigh
Volcanic activityModerate
AvalancheModerate
Heat waveModerate
LandslideModerate

Low or minimal exposure: inland flooding, cold wave, lightning, winter weather, ice storm, wildfire, coastal flooding, tsunami, strong wind, tornado, hail, drought.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

Taxes

AreaProfile does not yet publish tax comparisons. No tax dataset has met the source admission test for coverage, methodology transparency and update cadence, and the product rule is to omit a dimension rather than estimate it. The Area Score is calculated without a tax component and the weighting is documented on the methodology page.

Nothing on AreaProfile is individualized tax advice.

Access

2 major airports lie within 100 miles, the nearest 18 miles away.

AirportCodeDistanceLongest runway
Seattle-Tacoma IntlSEA18 mi11,901 ft
Boeing Fld/King County IntlBFI23 mi10,007 ft
Portland IntlPDX112 mi11,000 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
56
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)

Profile recalculated August 29, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

98409 vs Tacoma

How this ZIP area compares with Tacoma as a whole. Both figures come from the same ACS release, so the comparison is like for like.

98409
Tacoma
Median household income
$73,348
vs
$85,884
Per capita income
$40,831
vs
$45,650
Population density
3,899/sq mi
vs
4,480/sq mi
Median home value
$394,500
vs
$479,600
Median gross rent
$1,645
vs
$1,676
Homeownership rate
44.4%
vs
55.8%
Bachelor's degree or higher
22.4%
vs
34.5%
Poverty rate
15.6%
vs
12.4%
Median age
33.2
vs
37.2

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.