Steele Creek, AK (99712)

Fairbanks North Star Borough · Fairbanks-College, AK · Population 12,683

Fresh.Data current as of Apr 24, 2026

Steele Creek, AK (ZIP 99712) sits in Fairbanks North Star Borough within the Fairbanks-College metro area. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Annual Checkup comes in above the national average at 68.7%. No NCES schools are mapped to this ZIP in the current dataset. 2 colleges and universities serve the area, with median in-state tuition of $6,998. IRS data shows average household income (AGI) of $99,164, well above the ~$45K national average per return. Average annual pay across local establishments runs $81,418 per worker (Census ZBP) — a high-wage local economy. The most recent FEMA disaster declaration here was fire-related (NENANA RIDGE COMPLEX, 2025). Annual average temperature is just 29.9°F per NOAA's 1991–2020 Climate Normals — a notably cold-weather climate. 38.7% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. Alaska has no state income tax, saving the local median household (AGI $99,164) approximately $4,562/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net loss of 2,084 residents (682 households) — the ZIP's primary county is shrinking. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $105,787, fair market rent of $1,510 for a two-bedroom, and a typical home value of $312,297, down 1.8% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.

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Demographics

Population & age

Total population
12,683
Median age
39.7

Race & ethnicity

White
82.4%
Black
0.9%
Asian
2.0%
Hispanic / Latino
4.3%
Other / multi-racial
7.8%

Income & housing

Median household income
$105,787
Median home value
$293,700

Education

Bachelor's degree or higher (age 25+)
31.9%

Employment

Unemployment rate
5.0%

Housing

Owner-occupied
3,980(84.1%)
Renter-occupied
750(15.9%)
Vacant units
1,434
Built (median)
1987

Commute

Public transit
61(0.9%)
Work from home
665(10.1%)
Avg commute
24.9 min

Economic wellbeing

Below poverty line
561(4.5%)
Uninsured
131(1.0%)

Digital access

Broadband access
4,327(91.5%)
No broadband
403(8.5%)

Language & nativity

Foreign-born
289(2.3%)
Non-English at home
509(4.2%)

Studio

$1,030

/month

1 Bed

$1,150

/month

2 Bed

$1,510

/month

3 Bed

$2,110

/month

4 Bed

$2,530

/month

HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.

See national housing trends →

Home values

Typical home value

$312,297

Zillow Home Value Index (ZHVI) · as of March 2026

Year-over-year change

-1.8%

vs. March 2025

5-year change

+4.4%

vs. March 2021

Metro area

Fairbanks, AK

Metropolitan statistical area

Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.

New housing construction

New housing units permitted

18

Across 9 permitted buildings. Total construction value: $5.8M.

Single-family

6

33% of total units

Multifamily (2+ unit)

12

67% of total units

Single-family value

$3.1M

construction value

Multifamily value

$2.6M

construction value

Apartment construction (5+ unit buildings) accounts for 44% of new units this year — the area is densifying, not just adding single-family stock.

Based on county-level data (2024).

Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.

Income & tax statistics

Tax returns filed

4,350

Average AGI

$99,164

Avg property tax

$299

EITC participation

6.9%

Income distribution

  • $1 – $25,00020.5% · 890
  • $25,000 – $50,00016.3% · 710
  • $50,000 – $75,00014.3% · 620
  • $75,000 – $100,00012.4% · 540
  • $100,000 – $200,00027.6% · 1,200
  • $200,000 or more9.0% · 390

Avg mortgage interest

$409

Avg charitable contribution

$870

Avg capital gains

$3,408

Avg total income tax

Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $431.4M across all reported brackets.

Business & employment

Business establishments

187

Total employment

1,432

Annual payroll

$116.6M

Average annual pay

$81,418

Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.

Employment & wages

Average annual pay

$69,700

Average weekly wage

$1,340

Total employment

37,015

Total establishments

2,441

That is roughly 6% above the US national average of $65,470 per worker.

Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.

Unemployment

Unemployment rate

4.0%

That tracks the US national unemployment rate of about 4.0%.

Labor force

45,743

Employed

43,909

Unemployed

1,834

Based on Fairbanks North Star Borough, AK data (2024).

Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.

Public transit

FTA tracks transit service at the urbanized-area level. Numbers below reflect the agencies and modes serving the area that contains this ZIP, not stop-level coverage.

Service status

Available

Fairbanks, AK

Reporting agencies

1

Largest: Fairbanks North Star Borough

Annual ridership

unlinked trips · 2024

Source: U.S. Federal Transit Administration, National Transit Database (transit.dot.gov). Public domain.

See national economy & jobs trends →

Social Vulnerability Index

Overall SVI

29th percentile

Moderate Vulnerability

Based on 5 census tracts, population 17,275

Vulnerability Themes

  • Socioeconomic Status29th percentile
  • Household Characteristics16th percentile
  • Racial & Ethnic Minority Status40th percentile
  • Housing Type & Transportation55th percentile

Households Without Vehicle

107

Limited English Speakers

48

Persons with Disability

1,610

Without HS Diploma

555

Without Health Insurance

1,011

Adults Age 65+

1,991

The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.

Federal Disaster Declarations

Federally Declared Disasters

16

Date Range

1989–2025

Most Recent Declaration

NENANA RIDGE COMPLEX

Fire — declared July 6, 2025 (DR-5597)

Incident period: July 4, 2025 – July 23, 2025

Top Incident Types

  • Fire6 (38%)
  • Severe Storm4 (25%)
  • Biological2 (13%)
  • Earthquake1 (6%)
  • Flood1 (6%)
  • Other2 (13%)

Individual Assistance

2

Direct help to disaster survivors

Households Program

2

Housing & temporary lodging support

Public Assistance

16

Repair of public facilities & roads

Hazard Mitigation

11

Funding to reduce future disaster risk

FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.

Climate

30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.

Avg. temperature

29.9°F

18.4°41.5°

Annual precipitation

15.8"

Annual snowfall

61.4"

Heating · cooling days

· 53.6

Annual base 65°F

Nearest station: TWO RIVERS, AK US, 32.9 miles from the centroid of Steele Creek, AK (ZIP 99712)

Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.

See national environment & climate trends →

Air quality

Median daily AQI

42

Good
Good 213dModerate 128dUSG 15dUnhealthy 8dVery Unhealthy 1dHazardous 1d

Peak AQI (2024)

325

Hazardous

Primary pollutant

PM2.5

233 days as main pollutant

Days measured

366

Based on Fairbanks North Star Borough data (2024).

Source: U.S. Environmental Protection Agency, Air Quality System (epa.gov). Public domain. Only counties with EPA AQS monitoring stations appear here (~30% of US counties); rural ZIPs whose primary county has no monitor will not show this section.

Community health profile

Years of potential life lost (per 100K)

8,713

That is roughly 513 years per 100,000 above the national county median (~8,200).

Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.

Fair or poor health

14%

of adults self-report

Poor physical health days

4.2

avg per adult per month

Poor mental health days

5.2

avg per adult per month

Uninsured

11.1%

of residents under 65

Primary care MDs

86

per 100,000 residents

Preventable hospital stays

1,286

per 100K Medicare enrollees

Food environment (0-10)

8.3

10 = best access & security

Exercise access

74%

residents near a facility

Flu vaccinated

32%

of Medicare enrollees

Low birth weight (under 2,500 g) accounts for 6.2% of live births in this county — an early-life health input that downstream outcomes track against.

Based on Fairbanks North Star data (2025 CHR release).

Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.

Food access

Food access status

Significant food access concerns

38.7% of Fairbanks North Star County, AK residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.

Grocery stores

0.09

per 1,000 residents

Supercenters & clubs

0.03

per 1,000 residents

SNAP-authorized stores

0.32

accepting food benefits

Fast-food restaurants

0.45

per 1,000 residents

Among low-income residents, 7.7% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).

Per-1,000 figures show how many of each store type exist in Fairbanks North Star County, AK for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.

Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).

Who’s moving in and out

Net migration (2022-2023)

−2,084 people

−682 households−$118.7M net AGI flow

Moved in

5,972households

10,764 people • $319.4M AGI

Moved out

6,654households

12,848 people • $438.2M AGI

Where new residents came from

  1. Anchorage Municipality, AK169 households
  2. Matanuska-Susitna Borough, AK72 households
  3. El Paso County, CO66 households
  4. Yukon-Koyukuk Census Area, AK57 households
  5. Maricopa County, AZ57 households

Where departing residents went

  1. Anchorage Municipality, AK298 households
  2. Matanuska-Susitna Borough, AK117 households
  3. El Paso County, CO88 households
  4. Maricopa County, AZ83 households
  5. Pierce County, WA67 households

Incoming households reported an average AGI of $53,485 versus departing households' $65,849.

Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.

Taxes & benefits in Alaska

State-level rules that apply to every resident of ZIP 99712. Numbers reflect the most recent published year per source.

Tax rates

Income tax

None

No state income tax

Sales tax (combined)

1.82%

State 0.00% · avg local 1.82%

Property tax (effective)

0.86%

Median $757/year

Tax burden rank

1 of 50

5.60% of personal income

For ZIP 99712: A household at this ZIP's median AGI of $99,164 keeps approximately $4,562 more annually than residents of the typical income-tax state. Applied to this ZIP's typical home value of $312,297, that works out to roughly $2,693/year in property tax.

Paid family leave

Program

No program

No program

Safety net

SNAP eligibility

130% FPL

Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.

Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).

Other ZIPs near 99712

Nearby ZIPs by distance

99707 (11.6 mi) · 99730 (Central, 41.8 mi) · 99714 (Harding-Birch Lakes, 50.1 mi)

Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.

Data sources used on this page

All data on this page is sourced from federal government datasets · Not AI-generated · Methodology

Health profile

Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.

Colleges & universities nearby

Colleges in this area

2

Median in-state tuition

$6,998

Median earnings (10 yr)

$44,204

  • University of Alaska Fairbanks

    Fairbanks, AK · 99775

    4-Year
    In-state tuition
    $8,736
    Out-of-state tuition
    $22,320
    Acceptance rate
    Graduation rate
    34.9%
    Median earnings (10 yr)
    $48,866
    Median student debt
    $20,291
  • Ilisagvik College

    Barrow, AK · 99723

    4-Year
    In-state tuition
    $5,260
    Out-of-state tuition
    $5,260
    Acceptance rate
    Graduation rate
    42.5%
    Median earnings (10 yr)
    $39,541
    Median student debt

Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.

What these numbers say together

Steele Creek, AK (ZIP 99712) sits in Fairbanks North Star Borough within the Fairbanks-College metro area. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Annual Checkup comes in above the national average at 68.7%. No NCES schools are mapped to this ZIP in the current dataset. 2 colleges and universities serve the area, with median in-state tuition of $6,998. IRS data shows average household income (AGI) of $99,164, well above the ~$45K national average per return. Average annual pay across local establishments runs $81,418 per worker (Census ZBP) — a high-wage local economy. The most recent FEMA disaster declaration here was fire-related (NENANA RIDGE COMPLEX, 2025). Annual average temperature is just 29.9°F per NOAA's 1991–2020 Climate Normals — a notably cold-weather climate. 38.7% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. Alaska has no state income tax, saving the local median household (AGI $99,164) approximately $4,562/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net loss of 2,084 residents (682 households) — the ZIP's primary county is shrinking. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $105,787, fair market rent of $1,510 for a two-bedroom, and a typical home value of $312,297, down 1.8% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.

The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.

One concrete reading worth keeping: Depression prevalence sits near the national rate at 20.1%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.

Frequently Asked Questions — ZIP 99712

What is the obesity rate in ZIP 99712?

34.5%, which is 1.5 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).

What is the depression rate in ZIP 99712?

20.1%, which is 1.9 percentage points below the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).

What is the high blood pressure rate in ZIP 99712?

32.5%, which is 0.5 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).

What is the population of ZIP 99712?

12,683 people live in ZIP 99712, with a median age of 39.7 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

What is the median household income in ZIP 99712?

$105,787 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

Is ZIP 99712 mostly renters or homeowners?

In ZIP 99712, 84.1% of occupied housing units are owner-occupied and 15.9% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

How do people commute in ZIP 99712?

In ZIP 99712, 10.1% of workers work from home. Public transit is used by 0.9% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

What is the poverty rate in ZIP 99712?

4.5% of the population in ZIP 99712 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

What percentage of households in ZIP 99712 have broadband internet?

91.5% of households in ZIP 99712 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

What is the typical home value in ZIP 99712?

The typical home value in ZIP 99712 is $312,297, down 1.8% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).

Are home values rising or falling in ZIP 99712?

Home values are down 1.8% over the past year and up 4.4% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).

What is the average household income in ZIP 99712?

The average Adjusted Gross Income reported on tax returns from ZIP 99712 (Steele Creek, AK) is $99,164 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).

How much do homeowners pay in property tax in ZIP 99712?

Tax returns from ZIP 99712 report an average of $299 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).

What percentage of residents in ZIP 99712 earn over $200,000?

9.0% of tax returns from ZIP 99712 (Steele Creek, AK) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).

How many businesses are in ZIP 99712?

As of 2022, 187 business establishments operated in ZIP 99712 employing 1,432 workers (Census ZIP Business Patterns, retrieved May 3, 2026).

What is the average salary in ZIP 99712?

The average annual pay across all local establishments in ZIP 99712 is $81,418, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).

How vulnerable is ZIP 99712 to disasters and public health emergencies?

According to the CDC Social Vulnerability Index (2022), ZIP 99712 ranks in the 29th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).

What is the biggest vulnerability factor in ZIP 99712?

Housing Type & Transportation is the highest-scoring CDC SVI theme for ZIP 99712, ranking in the 55th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).

How many federally declared disasters has ZIP 99712 experienced?

FEMA has recorded 16 federal disaster declarations affecting ZIP 99712 between 1989–2025 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).

What kinds of disasters most often hit ZIP 99712?

Fire is the most common federally declared disaster type affecting ZIP 99712, accounting for 6 of 16 declarations (38%, FEMA OpenFEMA, retrieved May 3, 2026).

What was the most recent disaster declared for ZIP 99712?

The most recent FEMA disaster declaration affecting ZIP 99712 was "NENANA RIDGE COMPLEX" — a fire declared in 2025 (DR-5597) (FEMA OpenFEMA, retrieved May 3, 2026).

What colleges are near ZIP 99712?

2 colleges and universities are listed near ZIP 99712 by the U.S. Department of Education College Scorecard, including University Of Alaska Fairbanks and Ilisagvik College (retrieved May 2, 2026).

What is the average tuition at colleges near ZIP 99712?

Median in-state tuition across 2 nearby institutions is $6,998 (College Scorecard, retrieved May 2, 2026).

What do graduates earn from colleges near ZIP 99712?

Graduates of nearby colleges earn a median of $44,204 ten years after entry (College Scorecard, retrieved May 2, 2026).

What is the climate like in ZIP 99712?

ZIP 99712 has an average annual temperature of 29.9°F and 15.8" of annual precipitation based on the TWO RIVERS, AK US weather station 32.9 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).

Does ZIP 99712 have public transit?

Yes — ZIP 99712 is part of the Fairbanks, AK urbanized area, primarily served by Fairbanks North Star Borough (National Transit Database 2024, retrieved May 4, 2026).

What taxes apply in ZIP 99712?

Alaska has no state income tax. For a household earning the local median AGI of $99,164, this saves approximately $4,562 per year compared to the national average effective state tax rate. The combined state and local sales tax rate is 1.82% (Tax Foundation 2025).

Does Alaska have paid family leave?

Alaska has no state paid family leave program (Bipartisan Policy Center 2026).

What data is available for ZIP 99712?

This page covers health outcomes from CDC PLACES (40 metrics), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (2 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (16 on record), climate normals from NOAA NCEI (1991-2020), public transit coverage from the National Transit Database (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.

How current is this data?

Health data retrieved Apr 24, 2026 from CDC PLACES. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (16 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). Transit coverage retrieved May 4, 2026 from the National Transit Database (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.

Other ZIPs near 99712

Nearby ZIPs by distance

99707 (11.6 mi) · 99730 (Central, 41.8 mi) · 99714 (Harding-Birch Lakes, 50.1 mi)

Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.

More Info topics

Have a specific question about ZIP 99712?

Ask Mubboo — launching Q4 2026.

By Mubboo Editorial Team

Last reviewed Apr 24, 2026


Data sources

This page observes HIPAA and FERPA by surfacing only aggregate, de-identified federal datasets. Individual records are never displayed.

Mubboo may earn commissions from partner links. This does not affect our editorial independence.

Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.