| ZIP Code | 48604 |
|---|---|
| City | Saginaw |
| State | Michigan (MI) |
| County | Saginaw County |
| Area Code | 989 |
| Elevation | 599 ft |
| Latitude | 43.499764 |
|---|---|
| Longitude | -83.969084 |
| Timezone | Detroit (DST) |
| FIPS | 26145 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 26.8 yrs |
|---|---|
| Avg Household Size | 2.22 |
| Below Poverty | 23.2% ▲ 132% above avg |
| College Grads | 33.4% ▼ 14% below avg |
| Unemployment | 6.8% ▲ 38% above avg |
| No HS Diploma | 35 (0.6%) |
| HS Graduate | 2,130 (37.8%) |
| Some College | 846 (15%) |
| Associates | 748 (13.3%) |
| Bachelors | 550 (9.8%) |
| Graduate Degree | 1,332 (23.6%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $53,804 ▼ 29% below avg ↑ 16% since 2019 |
|---|---|
| Median Home Value | $93,200 ▼ 67% below avg ↑ 15% since 2019 |
| Home/Income Ratio | 1.7x (nat avg ~3.5x) |
| Median Rent | $928/mo ↑ 9% since 2019 |
| Total Units | 4,603 |
| Vacant Units | 503 |
| Avg HH Size | 2.22 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 4,603 |
|---|---|
| Vacant | 503 |
| Owner Occupied | 74.3% |
| Renter Occupied | 25.7% |
| Avg HH Size | 2.22 |
ZIP code 48604 is located in Saginaw, Michigan, within Saginaw County. With a population of 11,284, this is a lightly populated ZIP code with a young community — the median age is 26.8 years. Economically, 48604 is a working-class ZIP code: the median household income of $53,804 is below the national average.
Real estate in ZIP code 48604 represents one of the more affordable housing markets in the country. The median home value of $93,200 is well below the national average. Renters can expect to pay around $928 per month in median rent. Homeownership is strong here — 74.3% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 15% since 2019.
The population of 48604 is primarily White (78.20%). Residents are moderately educated — 33.4% hold a bachelor's degree or higher, which is near the national average. Poverty affects a significant share of residents at 23.2%. Household income has grown by 16% since 2019.
The unemployment rate in 48604 stands at 6.8%, which is above the national average. About 11% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 69%.
Overall, ZIP code 48604 in Saginaw, MI is characterized as working-class, moderately educated, a young community, and predominantly owner-occupied. With 11,284 residents, a median household income of $53,804, and a median home value of $93,200, it offers a clear picture of life in this part of Michigan.