| ZIP Code | 48706 |
|---|---|
| City | Bay City |
| State | Michigan (MI) |
| County | Bay County |
| Area Code | 989 |
| Elevation | 597 ft |
| Latitude | 43.603805 |
|---|---|
| Longitude | -83.955411 |
| Timezone | Detroit (DST) |
| FIPS | 26017 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 44.8 yrs ↑ 5% since 2019 |
|---|---|
| Avg Household Size | 2.28 |
| Below Poverty | 13.8% ▲ 38% above avg |
| College Grads | 35.6% ▼ 8% below avg |
| Unemployment | 4.5% ▼ 8% below avg |
| No HS Diploma | 337 (1.3%) |
| HS Graduate | 8,236 (31.2%) |
| Some College | 3,949 (15%) |
| Associates | 4,447 (16.9%) |
| Bachelors | 3,027 (11.5%) |
| Graduate Degree | 6,360 (24.1%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $61,908 ▼ 19% below avg ↑ 26% since 2019 |
|---|---|
| Median Home Value | $142,300 ▼ 49% below avg ↑ 31% since 2019 |
| Home/Income Ratio | 2.3x (nat avg ~3.5x) |
| Median Rent | $887/mo ↑ 26% since 2019 |
| Total Units | 18,163 |
| Vacant Units | 1,328 |
| Avg HH Size | 2.28 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 18,163 |
|---|---|
| Vacant | 1,328 |
| Owner Occupied | 77.3% |
| Renter Occupied | 22.7% |
| Avg HH Size | 2.28 |
ZIP code 48706 is located in Bay City, Michigan, within Bay County. With a population of 38,756, this is a highly populated ZIP code with a middle-aged community — the median age is 44.8 years. Economically, 48706 is a solidly middle-class ZIP code: the median household income of $61,908 is below the national average.
Real estate in ZIP code 48706 represents one of the more affordable housing markets in the country. The median home value of $142,300 is below the national average. Renters can expect to pay around $887 per month in median rent. Homeownership is strong here — 77.3% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 31% since 2019.
The population of 48706 is primarily White (90.36%). Residents are moderately educated — 35.6% hold a bachelor's degree or higher, which is near the national average. Poverty affects some residents at 13.8%. Household income has grown by 26% since 2019.
The unemployment rate in 48706 stands at 4.5%, 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 48706 in Bay City, MI is characterized as solidly middle-class, moderately educated, a middle-aged community, and predominantly owner-occupied. With 38,756 residents, a median household income of $61,908, and a median home value of $142,300, it offers a clear picture of life in this part of Michigan.