| ZIP Code | 48640 |
|---|---|
| City | Midland |
| State | Michigan (MI) |
| County | Midland County |
| Area Code | 989 |
| Elevation | 638 ft |
| Latitude | 43.582166 |
|---|---|
| Longitude | -84.337227 |
| Timezone | Detroit (DST) |
| FIPS | 26111 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 40.1 yrs |
|---|---|
| Avg Household Size | 2.39 |
| Below Poverty | 12.5% ▲ 25% above avg |
| College Grads | 49.7% ▲ 28% above avg |
| Unemployment | 5.3% ▲ 9% above avg |
| No HS Diploma | 119 (0.6%) |
| HS Graduate | 5,562 (26%) |
| Some College | 2,415 (11.3%) |
| Associates | 2,673 (12.5%) |
| Bachelors | 2,563 (12%) |
| Graduate Degree | 8,056 (37.7%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $81,630 ≈ Avg ↑ 29% since 2019 |
|---|---|
| Median Home Value | $191,000 ▼ 31% below avg ↑ 27% since 2019 |
| Home/Income Ratio | 2.3x (nat avg ~3.5x) |
| Median Rent | $928/mo ↑ 28% since 2019 |
| Total Units | 14,340 |
| Vacant Units | 915 |
| Avg HH Size | 2.39 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 14,340 |
|---|---|
| Vacant | 915 |
| Owner Occupied | 75.7% |
| Renter Occupied | 24.3% |
| Avg HH Size | 2.39 |
ZIP code 48640 is located in Midland, Michigan, within Midland County. With a population of 32,630, this is a moderately populated ZIP code with a middle-aged community — the median age is 40.1 years. Economically, 48640 is a middle-income ZIP code: the median household income of $81,630 is near the national average.
Real estate in ZIP code 48640 represents an affordable housing market. The median home value of $191,000 is below the national average. Renters can expect to pay around $928 per month in median rent. Homeownership is strong here — 75.7% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 27% since 2019.
The population of 48640 is primarily White (89.68%). Residents are well-educated — 49.7% hold a bachelor's degree or higher, which is above the national average. Poverty affects some residents at 12.5%. Household income has grown by 29% since 2019.
The unemployment rate in 48640 stands at 5.3%, which is near the national average. About 12% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 76%.
Overall, ZIP code 48640 in Midland, MI is characterized as middle-income, well-educated, a middle-aged community, and predominantly owner-occupied. With 32,630 residents, a median household income of $81,630, and a median home value of $191,000, it offers a clear picture of life in this part of Michigan.