Zip code 48604: Saginaw, Michigan

Q: What city is zip code 48604?

48604 is assigned to Saginaw, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 48604 in?

48604 is mostly in Saginaw County, but it extends into 1 other county.

Q: What is the population of 48604?

About 11,011 people live in 48604, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 48604?

The median household income in 48604 is $53,042.

Q: What zip codes are near 48604?

The closest zip codes to 48604 are 48724, 48710, 48603, 48605, 48607.

Residential delivery areaSaginaw CountyEastern Time

Population

11,011

Median household income

$53K

U.S. $81K

Median home value

$101K

U.S. $333K

Median rent

$1,114/mo

U.S. $1,413

Median age

25.6

U.S. 38.9

Land area

26 sq mi

420 people/sq mi

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

About 48604

48604 is a small-town zip code in Saginaw, Michigan (Saginaw County), covering 26 sq mi of land. About 11,011 people live here, or 420 per square mile. The median resident is 25.6 years old, compared with 38.9 nationally.

The median household earns $53,042 a year, 34% below the national median of $80,734. 30.1% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $101,200, or 1.9 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 72% of occupied homes are lived in by their owners, and renters pay a median of $1,114 a month.

24% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 16.1 minutes each way, and 15% of workers work from home. The most common jobs among working residents are in office and administrative support; food service; and healthcare.

How 48604 compares

Sorted from highest to lowest national percentile

Rent-burdened renters69.7%
97th
WeaknessU.S. 51.1% · MI 50.4%70th of 931 in MI
Poverty rate30.1%
96th
WeaknessU.S. 12.5% · MI 13.2%50th of 959 in MI
Income inequality (Gini)0.520
94th
WeaknessU.S. 0.483 · MI 0.46535th of 958 in MI
Housing vacancy10.7%
74th
U.S. 10.1% · MI 11.8%483rd of 958 in MI
Unemployment rate6.4%
73rd
U.S. 5.2% · MI 5.7%268th of 961 in MI
Healthcare workers11.1%
72nd
U.S. 9.7% · MI 10.1%296th of 961 in MI
Government workers15.7%
64th
U.S. 14.5% · MI 11.6%208th of 961 in MI
Work from home15%
61st
U.S. 15.1% · MI 13.5%211th of 961 in MI
Homeownership rate71.5%
57th
U.S. 65.2% · MI 73.2%781st of 958 in MI
Tech workers2.5%
43rd
U.S. 3.8% · MI 3.1%317th of 961 in MI
Diversity index42.4
39th
U.S. 61.4 · MI 45.3164th of 962 in MI
Veterans5%
38th
U.S. 6.2% · MI 5.8%731st of 962 in MI
Bachelor's degree or higher24.4%
32nd
U.S. 35.7% · MI 32.4%408th of 961 in MI
Uninsured rate4.8%
31st
U.S. 8.4% · MI 4.9%451st of 961 in MI
Population density420/sq mi
30th
U.S. 95/sq mi · MI 178/sq mi292nd of 962 in MI
Median gross rent$1,114
30th
U.S. $1,413 · MI $1,129257th of 851 in MI
Residents 65 and older13.1%
24th
U.S. 17.2% · MI 18.6%878th of 962 in MI
Per capita income$30,278
20th
WeaknessU.S. $44,673 · MI $40,735755th of 962 in MI
Broadband access86.8%
18th
WeaknessU.S. 91% · MI 90.5%600th of 958 in MI
Population11,011
17th
U.S. 334,922,499 · MI 10,077,761314th of 962 in MI
Median household income$53,042
12th
WeaknessU.S. $80,734 · MI $72,875803rd of 952 in MI
Foreign-born residents1.1%
6th
U.S. 14.1% · MI 7.2%664th of 962 in MI
Residents under 1813.2%
5th
U.S. 22% · MI 21.2%846th of 962 in MI
Self-employed workers5%
4th
U.S. 10% · MI 8.6%885th of 961 in MI
Median home value$101,200
3rd
U.S. $332,700 · MI $231,600890th of 946 in MI
Median age25.6
2nd
U.S. 38.9 · MI 40.2948th of 962 in MI
Average commute16.1 min
2nd
StrengthU.S. 26.4 min · MI 24.2 min906th of 941 in MI
Median earnings per worker$28,038
2nd
WeaknessU.S. $49,666 · MI $47,178933rd of 960 in MI

Measure	48604	Saginaw	MI	U.S.	National percentile	Rank in MI
Rent-burdened rentersWeakness	69.7%	55%	50.4%	51.1%	97th	70th of 931
Poverty rateWeakness	30.1%	18.2%	13.2%	12.5%	96th	50th of 959
Income inequality (Gini)Weakness	0.520	0.468	0.465	0.483	94th	35th of 958
Housing vacancy	10.7%	9.6%	11.8%	10.1%	74th	483rd of 958
Unemployment rate	6.4%	6.4%	5.7%	5.2%	73rd	268th of 961
Healthcare workers	11.1%	11.6%	10.1%	9.7%	72nd	296th of 961
Government workers	15.7%	12.1%	11.6%	14.5%	64th	208th of 961
Work from home	15%	10%	13.5%	15.1%	61st	211th of 961
Homeownership rate	71.5%	74.1%	73.2%	65.2%	57th	781st of 958
Tech workers	2.5%	2.3%	3.1%	3.8%	43rd	317th of 961
Diversity index	42.4	49.8	45.3	61.4	39th	164th of 962
Veterans	5%	6.6%	5.8%	6.2%	38th	731st of 962
Bachelor's degree or higher	24.4%	24.4%	32.4%	35.7%	32nd	408th of 961
Uninsured rate	4.8%	4.5%	4.9%	8.4%	31st	451st of 961
Population density	420/sq mi	236/sq mi	178/sq mi	95/sq mi	30th	292nd of 962
Median gross rent	$1,114	$947	$1,129	$1,413	30th	257th of 851
Residents 65 and older	13.1%	20.4%	18.6%	17.2%	24th	878th of 962
Per capita incomeWeakness	$30,278	$34,578	$40,735	$44,673	20th	755th of 962
Broadband accessWeakness	86.8%	89%	90.5%	91%	18th	600th of 958
Population	11,011	188,665	10,077,761	334,922,499	17th	314th of 962
Median household incomeWeakness	$53,042	$60,622	$72,875	$80,734	12th	803rd of 952
Foreign-born residents	1.1%	2.4%	7.2%	14.1%	6th	664th of 962
Residents under 18	13.2%	21.3%	21.2%	22%	5th	846th of 962
Self-employed workers	5%	7.2%	8.6%	10%	4th	885th of 961
Median home value	$101,200	$152,800	$231,600	$332,700	3rd	890th of 946
Median age	25.6	41.2	40.2	38.9	2nd	948th of 962
Average commuteStrength	16.1 min	22.4 min	24.2 min	26.4 min	2nd	906th of 941
Median earnings per workerWeakness	$28,038	$41,818	$47,178	$49,666	2nd	933rd of 960

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

5–17

36%

18–24

11%

25–34

35–44

12%

45–54

55–64

65–74

75+

Median age

25.6

Under 18

13.2%

65 and over

13.1%

Race and ethnicity

White74%
Black11%
Hispanic8%
Asian0.9%
Native American0.2%
Pacific Islander0.1%
Other0.1%
Multiracial5%

Diversity index

42.4

U.S. 61.4

Foreign-born

1.1%

U.S. 14.1%

Born in state

90.3%

Language spoken at home (households)

English only

97%

Spanish

Other Indo-European

0.8%

Asian / Pacific

Other

Households

Households: 4,013
Average household size: 2.2
Family households: 52.6%
Married couples: 33.2%
Living alone: 34.9%
Veterans (of adults): 5%
Male / female: 47% / 53%

Income and poverty

Household income distribution

<$25k

26%

$25–50k

21%

$50–75k

17%

$75–100k

14%

$100–150k

14%

$150–200k

$200k+

Median household income

48604

$53,042

Saginaw Co.

$60,622

Michigan

$72,875

United States

$80,734

Per capita income

$30,278

U.S. $44,673

Poverty rate

30.1%

U.S. 12.5%

Households earning $150K+

8.1%

U.S. 23%

Income inequality (Gini)

0.520

U.S. 0.483

Housing

Median home value

48604

$101,200

Saginaw Co.

$152,800

Michigan

$231,600

United States

$332,700

Median gross rent

48604

$1,114

Saginaw Co.

$947

Michigan

$1,129

United States

$1,413

Types of housing

Single-family

75%

2–4 units

5–19 units

10%

20+ units

Mobile home

Boat, RV, van

Housing units: 4,496
Owner-occupied: 71.5%
Vacant: 10.7%
Median year built: 1963
Median rooms: 5.7
Renters paying 30%+ of income: 69.7%
Renters paying 50%+ of income: 44.3%
Home value to income: 1.9× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

65%

Carpooled

Transit

0.6%

Walked

15%

Bicycle

Worked from home

15%

Other

Commute time (one way)

<10 min

30%

10–19

39%

20–29

21%

30–44

45–59

60+

Average commute

16.1 min

U.S. 26.4 min

Unemployment

6.4%

U.S. 5.2%

In labor force

59.8%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Office and admin

13%

Food service

11%

Healthcare

11%

Management

11%

Cleaning and personal care

Education

Production

Sales

Construction and repair

Transportation and moving

Business and finance

Computer and math

Engineering and science

Police and fire

Legal and social services

Farming, fishing and forestry

0.4%

Arts, media and sports

0.3%

Industries

Education

17%

Health care and social assistance

15%

Manufacturing

12%

Restaurants and hotels

12%

Retail

Professional and technical services

Public administration

Construction

Admin, support and management

Arts and recreation

Transportation, warehousing and utilities

Other services

Finance, insurance and real estate

Information

0.8%

Agriculture and mining

0.8%

Wholesale

0.7%

Median earnings per worker

$28,038

U.S. $49,666

Self-employed

U.S. 10%

Government workers

15.7%

U.S. 14.5%

Nonprofit workers

12.1%

U.S. 8.8%

Median earnings by type of work

Type of work	48604	U.S.
Management, business, science and arts	$46,622	$74,888
Service	$15,472	$26,804
Sales and office	$14,278	$40,476
Construction and maintenance	$35,313	$49,199
Production and transportation	$45,781	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

33%

Some college

26%

Associate's

12%

Bachelor's

16%

Graduate

High school graduate or higher: 95.6%
Bachelor's degree or higher: 24.4%
Graduate or professional degree: 8.2%
Households with broadband: 86.8%
Cable, fiber or DSL: 75.8%
No internet access: 6.6%
Without health insurance: 4.8%
Limited-English households: 1%

Geography

City (USPS): Saginaw
State: Michigan
County: Saginaw County
Center point: 43.4998° N, 83.9691° W
Land area: 26 sq mi
Water area: 3 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

48604 spans 2 counties

Saginaw County96% of land
Bay County4% of land

Cities and towns within this zip

Zilwaukee8% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 48604

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
48724	Carrollton, MI	3.6 mi	1,229	$34,512	$66,100
48710	University Center, MI	4 mi	0	—	—
48603	Saginaw, MI	4.1 mi	27,757	$66,352	$186,800
48605	Saginaw, MI · PO box	5 mi	—	—	—
48607	Saginaw, MI	5 mi	1,614	$37,973	$73,800
48602	Saginaw, MI	5.5 mi	27,127	$46,984	$73,600
48663	Saginaw, MI · PO box	5.6 mi	—	—	—
48638	Saginaw, MI	6.1 mi	12,875	$69,459	$172,600
48706	Bay City, MI	7.2 mi	38,974	$62,747	$155,800
48708	Bay City, MI	7.2 mi	25,635	$50,518	$107,700
48601	Saginaw, MI	8.3 mi	31,601	$38,900	$62,800
48623	Freeland, MI	8.4 mi	15,129	$101,250	$257,700

Zip codes like 48604 elsewhere

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

Questions about 48604

What city is zip code 48604?

48604 is assigned to Saginaw, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 48604 in?

48604 is mostly in Saginaw County, but it extends into 1 other county.

What is the population of 48604?

About 11,011 people live in 48604, according to the Census Bureau's American Community Survey.

What time zone is 48604 in?

48604 is in Eastern Time.

What is the median household income in 48604?

The median household income in 48604 is $53,042.

What zip codes are near 48604?

The closest zip codes to 48604 are 48724, 48710, 48603, 48605, 48607.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 48604, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.