| ZIP Code | 48655 |
|---|---|
| City | Saint Charles |
| State | Michigan (MI) |
| County | Saginaw County |
| Area Code | 989 |
| Elevation | 599 ft |
| Latitude | 43.294547 |
|---|---|
| Longitude | -84.159596 |
| Timezone | Detroit (DST) |
| FIPS | 26145 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 46.8 yrs ↑ 2% since 2019 |
|---|---|
| Avg Household Size | 2.41 |
| Below Poverty | 10.0% ≈ Avg |
| College Grads | 32.1% ▼ 17% below avg |
| Unemployment | 2.7% ▼ 45% below avg |
| No HS Diploma | 26 (0.6%) |
| HS Graduate | 1,440 (35.6%) |
| Some College | 675 (16.7%) |
| Associates | 609 (15%) |
| Bachelors | 566 (14%) |
| Graduate Degree | 733 (18.1%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $64,615 ▼ 15% below avg ↑ 17% since 2019 |
|---|---|
| Median Home Value | $157,100 ▼ 44% below avg ↑ 37% since 2019 |
| Home/Income Ratio | 2.4x (nat avg ~3.5x) |
| Median Rent | $633/mo ↓ 9% since 2019 |
| Total Units | 2,469 |
| Vacant Units | 137 |
| Avg HH Size | 2.41 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 2,469 |
|---|---|
| Vacant | 137 |
| Owner Occupied | 87.5% |
| Renter Occupied | 12.5% |
| Avg HH Size | 2.41 |
ZIP code 48655 is located in Saint Charles, Michigan, within Saginaw County. With a population of 5,655, this is a lightly populated ZIP code with a mature community — the median age is 46.8 years. Economically, 48655 is a solidly middle-class ZIP code: the median household income of $64,615 is below the national average.
Real estate in ZIP code 48655 represents an affordable housing market. The median home value of $157,100 is below the national average. Renters can expect to pay around $633 per month in median rent. Homeownership is strong here — 87.5% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 37% since 2019.
The population of 48655 is primarily White (87.89%). Residents are moderately educated — 32.1% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 10.0%. Household income has grown by 17% since 2019.
The unemployment rate in 48655 stands at 2.7%, which is below the national average. About 11% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 77%.
Overall, ZIP code 48655 in Saint Charles, MI is characterized as solidly middle-class, moderately educated, a mature community, and predominantly owner-occupied. With 5,655 residents, a median household income of $64,615, and a median home value of $157,100, it offers a clear picture of life in this part of Michigan.