| ZIP Code | 48609 |
|---|---|
| City | Saginaw |
| State | Michigan (MI) |
| County | Saginaw County |
| Area Code | 989 |
| Elevation | 605 ft |
| Latitude | 43.389617 |
|---|---|
| Longitude | -84.08317 |
| Timezone | Detroit (DST) |
| FIPS | 26145 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 49.2 yrs |
|---|---|
| Avg Household Size | 2.28 |
| Below Poverty | 12.1% ▲ 21% above avg |
| College Grads | 39.4% ≈ Avg |
| Unemployment | 5.5% ▲ 13% above avg |
| No HS Diploma | 208 (2.3%) |
| HS Graduate | 2,939 (33.1%) |
| Some College | 995 (11.2%) |
| Associates | 1,235 (13.9%) |
| Bachelors | 1,159 (13.1%) |
| Graduate Degree | 2,341 (26.4%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $78,800 ≈ Avg ↑ 22% since 2019 |
|---|---|
| Median Home Value | $166,400 ▼ 40% below avg ↑ 22% since 2019 |
| Home/Income Ratio | 2.1x (nat avg ~3.5x) |
| Median Rent | $903/mo ↑ 24% since 2019 |
| Total Units | 5,494 |
| Vacant Units | 206 |
| Avg HH Size | 2.28 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 5,494 |
|---|---|
| Vacant | 206 |
| Owner Occupied | 87.4% |
| Renter Occupied | 12.6% |
| Avg HH Size | 2.28 |
ZIP code 48609 is located in Saginaw, Michigan, within Saginaw County. With a population of 12,206, this is a lightly populated ZIP code with a mature community — the median age is 49.2 years. Economically, 48609 is a middle-income ZIP code: the median household income of $78,800 is near the national average.
Real estate in ZIP code 48609 represents an affordable housing market. The median home value of $166,400 is below the national average. Renters can expect to pay around $903 per month in median rent. Homeownership is strong here — 87.4% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 22% since 2019.
The population of 48609 is primarily White (90.74%). Residents are moderately educated — 39.4% hold a bachelor's degree or higher, which is near the national average. Poverty affects some residents at 12.1%. Household income has grown by 22% since 2019.
The unemployment rate in 48609 stands at 5.5%, which is near the national average. As in most parts of the country, driving alone is the dominant commute mode at 85%.
Overall, ZIP code 48609 in Saginaw, MI is characterized as middle-income, moderately educated, a mature community, and predominantly owner-occupied. With 12,206 residents, a median household income of $78,800, and a median home value of $166,400, it offers a clear picture of life in this part of Michigan.