Zip code 48609: Saginaw, Michigan

Q: What city is zip code 48609?

48609 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 48609 in?

48609 is in Saginaw County, Michigan.

Q: What is the population of 48609?

About 11,966 people live in 48609, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 48609?

The median household income in 48609 is $78,218.

Q: What zip codes are near 48609?

The closest zip codes to 48609 are 48638, 48606, 48608, 48605, 48603.

Residential delivery areaSaginaw CountyEastern Time

Population

11,966

Median household income

$78K

U.S. $81K

Median home value

$171K

U.S. $333K

Median rent

$929/mo

U.S. $1,413

Median age

U.S. 38.9

Land area

45 sq mi

267 people/sq mi

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

About 48609

48609 is a small-town zip code in Saginaw, Michigan (Saginaw County), covering 45 sq mi of land. About 11,966 people live here, or 267 per square mile. The median resident is 49 years old, compared with 38.9 nationally.

The median household earns $78,218 a year, close to the national median of $80,734. 11.3% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $170,800, or 2.2 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 86% of occupied homes are lived in by their owners, and renters pay a median of $929 a month.

27% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 23.9 minutes each way, and 12% of workers work from home. The most common jobs among working residents are in healthcare; management; and office and administrative support.

How 48609 compares

Sorted from highest to lowest national percentile

Residents 65 and older28.9%
96th
U.S. 17.2% · MI 18.6%156th of 962 in MI
Median age49
94th
U.S. 38.9 · MI 40.2241st of 962 in MI
Homeownership rate86.3%
91st
StrengthU.S. 65.2% · MI 73.2%438th of 958 in MI
Unemployment rate7.1%
80th
WeaknessU.S. 5.2% · MI 5.7%206th of 961 in MI
Healthcare workers11.9%
80th
U.S. 9.7% · MI 10.1%205th of 961 in MI
Veterans7.5%
72nd
U.S. 6.2% · MI 5.8%367th of 962 in MI
Tech workers3.5%
61st
U.S. 3.8% · MI 3.1%185th of 961 in MI
Self-employed workers9.5%
53rd
U.S. 10% · MI 8.6%451st of 961 in MI
Government workers14.1%
53rd
U.S. 14.5% · MI 11.6%283rd of 961 in MI
Per capita income$40,902
52nd
U.S. $44,673 · MI $40,735313th of 962 in MI
Poverty rate11.3%
52nd
U.S. 12.5% · MI 13.2%448th of 959 in MI
Median earnings per worker$48,306
50th
U.S. $49,666 · MI $47,178314th of 960 in MI
Median household income$78,218
48th
U.S. $80,734 · MI $72,875316th of 952 in MI
Rent-burdened renters49.6%
46th
U.S. 51.1% · MI 50.4%383rd of 931 in MI
Work from home11.7%
45th
U.S. 15.1% · MI 13.5%346th of 961 in MI
Income inequality (Gini)0.428
44th
U.S. 0.483 · MI 0.465394th of 958 in MI
Bachelor's degree or higher26.5%
38th
U.S. 35.7% · MI 32.4%353rd of 961 in MI
Average commute23.9 min
36th
U.S. 26.4 min · MI 24.2 min592nd of 941 in MI
Housing vacancy4.8%
31st
U.S. 10.1% · MI 11.8%744th of 958 in MI
Foreign-born residents5.2%
30th
U.S. 14.1% · MI 7.2%200th of 962 in MI
Broadband access89%
28th
U.S. 91% · MI 90.5%465th of 958 in MI
Population density267/sq mi
24th
U.S. 95/sq mi · MI 178/sq mi339th of 962 in MI
Population11,966
18th
U.S. 334,922,499 · MI 10,077,761295th of 962 in MI
Residents under 1817.9%
18th
U.S. 22% · MI 21.2%661st of 962 in MI
Median gross rent$929
16th
U.S. $1,413 · MI $1,129495th of 851 in MI
Median home value$170,800
15th
U.S. $332,700 · MI $231,600585th of 946 in MI
Diversity index19.2
12th
U.S. 61.4 · MI 45.3500th of 962 in MI
Uninsured rate2.8%
11th
StrengthU.S. 8.4% · MI 4.9%755th of 961 in MI

Measure	48609	Saginaw	MI	U.S.	National percentile	Rank in MI
Residents 65 and older	28.9%	20.4%	18.6%	17.2%	96th	156th of 962
Median age	49	41.2	40.2	38.9	94th	241st of 962
Homeownership rateStrength	86.3%	74.1%	73.2%	65.2%	91st	438th of 958
Unemployment rateWeakness	7.1%	6.4%	5.7%	5.2%	80th	206th of 961
Healthcare workers	11.9%	11.6%	10.1%	9.7%	80th	205th of 961
Veterans	7.5%	6.6%	5.8%	6.2%	72nd	367th of 962
Tech workers	3.5%	2.3%	3.1%	3.8%	61st	185th of 961
Self-employed workers	9.5%	7.2%	8.6%	10%	53rd	451st of 961
Government workers	14.1%	12.1%	11.6%	14.5%	53rd	283rd of 961
Per capita income	$40,902	$34,578	$40,735	$44,673	52nd	313th of 962
Poverty rate	11.3%	18.2%	13.2%	12.5%	52nd	448th of 959
Median earnings per worker	$48,306	$41,818	$47,178	$49,666	50th	314th of 960
Median household income	$78,218	$60,622	$72,875	$80,734	48th	316th of 952
Rent-burdened renters	49.6%	55%	50.4%	51.1%	46th	383rd of 931
Work from home	11.7%	10%	13.5%	15.1%	45th	346th of 961
Income inequality (Gini)	0.428	0.468	0.465	0.483	44th	394th of 958
Bachelor's degree or higher	26.5%	24.4%	32.4%	35.7%	38th	353rd of 961
Average commute	23.9 min	22.4 min	24.2 min	26.4 min	36th	592nd of 941
Housing vacancy	4.8%	9.6%	11.8%	10.1%	31st	744th of 958
Foreign-born residents	5.2%	2.4%	7.2%	14.1%	30th	200th of 962
Broadband access	89%	89%	90.5%	91%	28th	465th of 958
Population density	267/sq mi	236/sq mi	178/sq mi	95/sq mi	24th	339th of 962
Population	11,966	188,665	10,077,761	334,922,499	18th	295th of 962
Residents under 18	17.9%	21.3%	21.2%	22%	18th	661st of 962
Median gross rent	$929	$947	$1,129	$1,413	16th	495th of 851
Median home value	$170,800	$152,800	$231,600	$332,700	15th	585th of 946
Diversity index	19.2	49.8	45.3	61.4	12th	500th of 962
Uninsured rateStrength	2.8%	4.5%	4.9%	8.4%	11th	755th of 961

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

25–34

11%

35–44

14%

45–54

14%

55–64

17%

65–74

12%

75+

Median age

Under 18

17.9%

65 and over

28.9%

Race and ethnicity

White90%
Black0.9%
Hispanic5%
Asian0.8%
Native American0.1%
Pacific Islander0%
Other0.4%
Multiracial4%

Diversity index

19.2

U.S. 61.4

Foreign-born

5.2%

U.S. 14.1%

Born in state

82.8%

Language spoken at home (households)

English only

93%

Spanish

Other Indo-European

Asian / Pacific

Other

0.4%

Households

Households: 5,262
Average household size: 2.3
Family households: 62.2%
Married couples: 48.5%
Living alone: 32.2%
Veterans (of adults): 7.5%
Male / female: 49% / 51%

Income and poverty

Household income distribution

<$25k

17%

$25–50k

19%

$50–75k

13%

$75–100k

17%

$100–150k

16%

$150–200k

10%

$200k+

Median household income

48609

$78,218

Saginaw Co.

$60,622

Michigan

$72,875

United States

$80,734

Per capita income

$40,902

U.S. $44,673

Poverty rate

11.3%

U.S. 12.5%

Households earning $150K+

18.1%

U.S. 23%

Income inequality (Gini)

0.428

U.S. 0.483

Housing

Median home value

48609

$170,800

Saginaw Co.

$152,800

Michigan

$231,600

United States

$332,700

Median gross rent

48609

$929

Saginaw Co.

$947

Michigan

$1,129

United States

$1,413

Types of housing

Single-family

80%

2–4 units

5–19 units

20+ units

Mobile home

Boat, RV, van

Housing units: 5,527
Owner-occupied: 86.3%
Vacant: 4.8%
Median year built: 1976
Median rooms: 6.1
Renters paying 30%+ of income: 49.6%
Renters paying 50%+ of income: 11.5%
Home value to income: 2.2× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

83%

Carpooled

Transit

Walked

Bicycle

Worked from home

12%

Other

0.3%

Commute time (one way)

<10 min

15%

10–19

24%

20–29

32%

30–44

19%

45–59

60+

Average commute

23.9 min

U.S. 26.4 min

Unemployment

7.1%

U.S. 5.2%

In labor force

55%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Healthcare

12%

Management

11%

Office and admin

11%

Construction and repair

11%

Cleaning and personal care

Transportation and moving

Sales

Education

Production

Legal and social services

Business and finance

Computer and math

Food service

Engineering and science

Police and fire

Arts, media and sports

Farming, fishing and forestry

0.2%

Industries

Health care and social assistance

17%

Manufacturing

14%

Retail

13%

Education

10%

Construction

Professional and technical services

Other services

Restaurants and hotels

Admin, support and management

Transportation, warehousing and utilities

Public administration

Finance, insurance and real estate

Agriculture and mining

Wholesale

Arts and recreation

0.9%

Information

0.6%

Median earnings per worker

$48,306

U.S. $49,666

Self-employed

9.5%

U.S. 10%

Government workers

14.1%

U.S. 14.5%

Nonprofit workers

12.1%

U.S. 8.8%

Median earnings by type of work

Type of work	48609	U.S.
Management, business, science and arts	$71,341	$74,888
Service	$16,103	$26,804
Sales and office	$40,566	$40,476
Construction and maintenance	$44,543	$49,199
Production and transportation	$40,712	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

34%

Some college

20%

Associate's

11%

Bachelor's

15%

Graduate

11%

High school graduate or higher: 92.4%
Bachelor's degree or higher: 26.5%
Graduate or professional degree: 11.4%
Households with broadband: 89%
Cable, fiber or DSL: 76.1%
No internet access: 8.9%
Without health insurance: 2.8%
Limited-English households: 1.9%

Geography

City (USPS): Saginaw
State: Michigan
County: Saginaw County
Center point: 43.3896° N, 84.0832° W
Land area: 45 sq mi
Water area: 3.4 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Shields (unincorporated)18% of zip

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

Zip codes near 48609

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
48638	Saginaw, MI	3.8 mi	12,875	$69,459	$172,600
48606	Saginaw, MI · PO box	3.8 mi	—	—	—
48608	Saginaw, MI · PO box	3.8 mi	—	—	—
48605	Saginaw, MI · PO box	5 mi	—	—	—
48603	Saginaw, MI	5.5 mi	27,757	$66,352	$186,800
48602	Saginaw, MI	5.8 mi	27,127	$46,984	$73,600
48663	Saginaw, MI · PO box	7 mi	—	—	—
48626	Hemlock, MI	7.3 mi	5,766	$84,360	$224,100
48655	Saint Charles, MI	7.6 mi	5,760	$66,115	$175,700
48607	Saginaw, MI	8.1 mi	1,614	$37,973	$73,800
48724	Carrollton, MI	9.2 mi	1,229	$34,512	$66,100
48623	Freeland, MI	9.3 mi	15,129	$101,250	$257,700

Zip codes like 48609 elsewhere

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

Questions about 48609

What city is zip code 48609?

48609 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 48609 in?

48609 is in Saginaw County, Michigan.

What is the population of 48609?

About 11,966 people live in 48609, according to the Census Bureau's American Community Survey.

What time zone is 48609 in?

48609 is in Eastern Time.

What is the median household income in 48609?

The median household income in 48609 is $78,218.

What zip codes are near 48609?

The closest zip codes to 48609 are 48638, 48606, 48608, 48605, 48603.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 48609, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.