Zip code 48096: Ray, Michigan

Q: What city is zip code 48096?

48096 is assigned to Ray, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 48096 in?

48096 is in Macomb County, Michigan.

Q: What is the population of 48096?

About 3,778 people live in 48096, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 48096?

The median household income in 48096 is $117,917.

Q: What zip codes are near 48096?

The closest zip codes to 48096 are 48042, 48048, 48050, 48005, 48095.

Residential delivery areaMacomb CountyEastern Time

Population

3,778

Median household income

$118K

U.S. $81K

Median home value

$378K

U.S. $333K

Median rent

$1,259/mo

U.S. $1,413

Median age

48.9

U.S. 38.9

Land area

37 sq mi

103 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 48096

48096 is a small-town zip code in Ray, Michigan (Macomb County), covering 37 sq mi of land. About 3,778 people live here, or 103 per square mile. The median resident is 48.9 years old, compared with 38.9 nationally.

The median household earns $117,917 a year, 46% above the national median of $80,734. 6.4% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $377,700, or 3.2 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 87% of occupied homes are lived in by their owners, and renters pay a median of $1,259 a month.

21% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 32.5 minutes each way, and 14% of workers work from home. The most common jobs among working residents are in management; construction and repair; and cleaning and personal care.

How 48096 compares

Sorted from highest to lowest national percentile

Median age48.9
94th
U.S. 38.9 · MI 40.2246th of 962 in MI
Homeownership rate86.5%
91st
StrengthU.S. 65.2% · MI 73.2%427th of 958 in MI
Average commute32.5 min
85th
WeaknessU.S. 26.4 min · MI 24.2 min118th of 941 in MI
Median household income$117,917
84th
StrengthU.S. $80,734 · MI $72,87544th of 952 in MI
Median earnings per worker$60,268
76th
U.S. $49,666 · MI $47,178104th of 960 in MI
Veterans7.6%
73rd
U.S. 6.2% · MI 5.8%351st of 962 in MI
Self-employed workers11.5%
73rd
U.S. 10% · MI 8.6%287th of 961 in MI
Per capita income$50,215
72nd
U.S. $44,673 · MI $40,735133rd of 962 in MI
Tech workers4.3%
72nd
U.S. 3.8% · MI 3.1%111th of 961 in MI
Residents 65 and older17.9%
60th
U.S. 17.2% · MI 18.6%646th of 962 in MI
Median home value$377,700
58th
U.S. $332,700 · MI $231,60074th of 946 in MI
Broadband access93%
58th
U.S. 91% · MI 90.5%213th of 958 in MI
Work from home13.8%
55th
U.S. 15.1% · MI 13.5%256th of 961 in MI
Median gross rent$1,259
40th
U.S. $1,413 · MI $1,129154th of 851 in MI
Healthcare workers8.7%
38th
U.S. 9.7% · MI 10.1%590th of 961 in MI
Foreign-born residents4.3%
25th
U.S. 14.1% · MI 7.2%229th of 962 in MI
Bachelor's degree or higher20.8%
23rd
U.S. 35.7% · MI 32.4%532nd of 961 in MI
Poverty rate6.4%
21st
U.S. 12.5% · MI 13.2%758th of 959 in MI
Population density103/sq mi
14th
U.S. 95/sq mi · MI 178/sq mi500th of 962 in MI
Residents under 1816%
11th
U.S. 22% · MI 21.2%761st of 962 in MI
Housing vacancy2.9%
10th
U.S. 10.1% · MI 11.8%871st of 958 in MI
Uninsured rate2.6%
9th
StrengthU.S. 8.4% · MI 4.9%779th of 961 in MI
Diversity index15.1
8th
U.S. 61.4 · MI 45.3662nd of 962 in MI
Income inequality (Gini)0.375
8th
StrengthU.S. 0.483 · MI 0.465785th of 958 in MI
Government workers7.9%
7th
U.S. 14.5% · MI 11.6%818th of 961 in MI
Population3,778
6th
U.S. 334,922,499 · MI 10,077,761539th of 962 in MI
Unemployment rate0.9%
1st
StrengthU.S. 5.2% · MI 5.7%907th of 961 in MI
Rent-burdened renters4.2%
1st
StrengthU.S. 51.1% · MI 50.4%879th of 931 in MI

Measure	48096	Macomb	MI	U.S.	National percentile	Rank in MI
Median age	48.9	41.3	40.2	38.9	94th	246th of 962
Homeownership rateStrength	86.5%	75%	73.2%	65.2%	91st	427th of 958
Average commuteWeakness	32.5 min	26.3 min	24.2 min	26.4 min	85th	118th of 941
Median household incomeStrength	$117,917	$77,837	$72,875	$80,734	84th	44th of 952
Median earnings per worker	$60,268	$48,681	$47,178	$49,666	76th	104th of 960
Veterans	7.6%	5.1%	5.8%	6.2%	73rd	351st of 962
Self-employed workers	11.5%	7.8%	8.6%	10%	73rd	287th of 961
Per capita income	$50,215	$40,619	$40,735	$44,673	72nd	133rd of 962
Tech workers	4.3%	3.1%	3.1%	3.8%	72nd	111th of 961
Residents 65 and older	17.9%	18.3%	18.6%	17.2%	60th	646th of 962
Median home value	$377,700	$243,900	$231,600	$332,700	58th	74th of 946
Broadband access	93%	93.2%	90.5%	91%	58th	213th of 958
Work from home	13.8%	13.4%	13.5%	15.1%	55th	256th of 961
Median gross rent	$1,259	$1,211	$1,129	$1,413	40th	154th of 851
Healthcare workers	8.7%	9.7%	10.1%	9.7%	38th	590th of 961
Foreign-born residents	4.3%	11.7%	7.2%	14.1%	25th	229th of 962
Bachelor's degree or higher	20.8%	27.7%	32.4%	35.7%	23rd	532nd of 961
Poverty rate	6.4%	10.4%	13.2%	12.5%	21st	758th of 959
Population density	103/sq mi	1,836/sq mi	178/sq mi	95/sq mi	14th	500th of 962
Residents under 18	16%	20.6%	21.2%	22%	11th	761st of 962
Housing vacancy	2.9%	3.9%	11.8%	10.1%	10th	871st of 958
Uninsured rateStrength	2.6%	4.9%	4.9%	8.4%	9th	779th of 961
Diversity index	15.1	42.9	45.3	61.4	8th	662nd of 962
Income inequality (Gini)Strength	0.375	0.430	0.465	0.483	8th	785th of 958
Government workers	7.9%	9.9%	11.6%	14.5%	7th	818th of 961
Population	3,778	879,853	10,077,761	334,922,499	6th	539th of 962
Unemployment rateStrength	0.9%	5.7%	5.7%	5.2%	1st	907th of 961
Rent-burdened rentersStrength	4.2%	50.8%	50.4%	51.1%	1st	879th of 931

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

13%

5–17

18–24

14%

25–34

35–44

17%

45–54

22%

55–64

65–74

75+

Median age

48.9

Under 18

16%

65 and over

17.9%

Race and ethnicity

White92%
Black0.5%
Hispanic3%
Asian0.8%
Native American0.4%
Pacific Islander0%
Other0%
Multiracial3%

Diversity index

15.1

U.S. 61.4

Foreign-born

4.3%

U.S. 14.1%

Born in state

88.7%

Language spoken at home (households)

English only

86%

Spanish

0.6%

Other Indo-European

12%

Asian / Pacific

0.6%

Other

Households

Households: 1,625
Average household size: 2.3
Family households: 67%
Married couples: 61.8%
Living alone: 26.4%
Veterans (of adults): 7.6%
Male / female: 53% / 47%

Income and poverty

Household income distribution

<$25k

10%

$25–50k

$50–75k

15%

$75–100k

$100–150k

30%

$150–200k

20%

$200k+

10%

Median household income

48096

$117,917

Macomb Co.

$77,837

Michigan

$72,875

United States

$80,734

Per capita income

$50,215

U.S. $44,673

Poverty rate

6.4%

U.S. 12.5%

Households earning $150K+

29.9%

U.S. 23%

Income inequality (Gini)

0.375

U.S. 0.483

Housing

Median home value

48096

$377,700

Macomb Co.

$243,900

Michigan

$231,600

United States

$332,700

Median gross rent

48096

$1,259

Macomb Co.

$1,211

Michigan

$1,129

United States

$1,413

Types of housing

Single-family

96%

2–4 units

5–19 units

20+ units

Mobile home

0.4%

Boat, RV, van

Housing units: 1,673
Owner-occupied: 86.5%
Vacant: 2.9%
Median year built: 1972
Median rooms: 6.3
Renters paying 30%+ of income: 4.2%
Renters paying 50%+ of income: 4.2%
Home value to income: 3.2× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

82%

Carpooled

Transit

Walked

Bicycle

Worked from home

14%

Other

Commute time (one way)

<10 min

10–19

20%

20–29

24%

30–44

22%

45–59

16%

60+

12%

Average commute

32.5 min

U.S. 26.4 min

Unemployment

0.9%

U.S. 5.2%

In labor force

58.8%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

21%

Construction and repair

12%

Cleaning and personal care

Healthcare

Sales

Office and admin

Business and finance

Food service

Computer and math

Transportation and moving

Production

Police and fire

Engineering and science

Legal and social services

Education

Arts, media and sports

Farming, fishing and forestry

Industries

Manufacturing

28%

Construction

13%

Health care and social assistance

11%

Retail

Other services

Restaurants and hotels

Finance, insurance and real estate

Education

Admin, support and management

Public administration

Professional and technical services

Arts and recreation

Information

Transportation, warehousing and utilities

Agriculture and mining

Wholesale

0.7%

Median earnings per worker

$60,268

U.S. $49,666

Self-employed

11.5%

U.S. 10%

Government workers

7.9%

U.S. 14.5%

Nonprofit workers

4.4%

U.S. 8.8%

Median earnings by type of work

Type of work	48096	U.S.
Management, business, science and arts	$87,321	$74,888
Service	$27,087	$26,804
Sales and office	$55,208	$40,476
Construction and maintenance	$51,023	$49,199
Production and transportation	$61,667	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

28%

Some college

31%

Associate's

13%

Bachelor's

15%

Graduate

High school graduate or higher: 92.5%
Bachelor's degree or higher: 20.8%
Graduate or professional degree: 5.7%
Households with broadband: 93%
Cable, fiber or DSL: 76.2%
No internet access: 6.5%
Without health insurance: 2.6%
Limited-English households: 1.5%

Geography

City (USPS): Ray
State: Michigan
County: Macomb County
Center point: 42.7621° N, 82.9205° W
Land area: 37 sq mi
Water area: 0.1 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Zip codes near 48096

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
48042	Macomb, MI	5.5 mi	33,875	$126,667	$410,000
48048	New Haven, MI	6.4 mi	11,349	$70,938	$188,700
48050	New Haven, MI	6.4 mi	1,338	$91,136	$337,600
48005	Armada, MI	6.5 mi	5,325	$105,734	$331,100
48095	Washington, MI	6.6 mi	5,701	$107,393	$406,700
48094	Washington, MI	6.9 mi	20,736	$98,017	$418,200
48051	New Baltimore, MI	6.9 mi	17,922	$90,968	$266,300
48315	Utica, MI	7.4 mi	28,472	$100,684	$378,700
48044	Macomb, MI	7.7 mi	58,754	$117,856	$370,300
48065	Romeo, MI	8.3 mi	11,597	$106,053	$373,100
48316	Utica, MI	8.5 mi	28,784	$107,776	$383,500
48062	Richmond, MI	8.9 mi	9,385	$82,045	$268,400

Zip codes like 48096 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 48096

What city is zip code 48096?

48096 is assigned to Ray, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 48096 in?

48096 is in Macomb County, Michigan.

What is the population of 48096?

About 3,778 people live in 48096, according to the Census Bureau's American Community Survey.

What time zone is 48096 in?

48096 is in Eastern Time.

What is the median household income in 48096?

The median household income in 48096 is $117,917.

What zip codes are near 48096?

The closest zip codes to 48096 are 48042, 48048, 48050, 48005, 48095.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 48096, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.