| ZIP Code | 48638 |
|---|---|
| City | Saginaw |
| State | Michigan (MI) |
| County | Gladwin County |
| Area Code | 989 |
| Elevation | 601 ft |
| Latitude | 43.418925 |
|---|---|
| Longitude | -84.018242 |
| Timezone | Detroit (DST) |
| FIPS | 26145 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 42.5 yrs ↓ 12% since 2019 |
|---|---|
| Avg Household Size | 2.12 |
| Below Poverty | 11.1% ▲ 11% above avg |
| College Grads | 48.6% ▲ 25% above avg |
| Unemployment | 2.7% ▼ 44% below avg |
| No HS Diploma | 23 (0.3%) |
| HS Graduate | 2,130 (24.3%) |
| Some College | 1,092 (12.5%) |
| Associates | 1,258 (14.4%) |
| Bachelors | 1,025 (11.7%) |
| Graduate Degree | 3,226 (36.9%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $63,444 ▼ 17% below avg ↑ 31% since 2019 |
|---|---|
| Median Home Value | $161,200 ▼ 42% below avg ↑ 33% since 2019 |
| Home/Income Ratio | 2.5x (nat avg ~3.5x) |
| Median Rent | $948/mo ↑ 26% since 2019 |
| Total Units | 6,479 |
| Vacant Units | 520 |
| Avg HH Size | 2.12 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 6,479 |
|---|---|
| Vacant | 520 |
| Owner Occupied | 64.2% |
| Renter Occupied | 35.8% |
| Avg HH Size | 2.12 |
ZIP code 48638 is located in Saginaw, Michigan, within Gladwin County. With a population of 12,668, this is a lightly populated ZIP code with a middle-aged community — the median age is 42.5 years. Economically, 48638 is a solidly middle-class ZIP code: the median household income of $63,444 is below the national average.
Real estate in ZIP code 48638 represents an affordable housing market. The median home value of $161,200 is below the national average. Renters can expect to pay around $948 per month in median rent. Homeownership is strong here — 64.2% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 33% since 2019.
The population of 48638 is primarily White (72.64%). Residents are well-educated — 48.6% hold a bachelor's degree or higher, which is above the national average. Poverty affects some residents at 11.1%. Household income has grown by 31% since 2019.
The unemployment rate in 48638 stands at 2.7%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 85%.
Overall, ZIP code 48638 in Saginaw, MI is characterized as solidly middle-class, well-educated, a middle-aged community, and predominantly owner-occupied. With 12,668 residents, a median household income of $63,444, and a median home value of $161,200, it offers a clear picture of life in this part of Michigan.