Zip code 48638: Saginaw, Michigan

Q: What city is zip code 48638?

48638 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 48638 in?

48638 is in Saginaw County, Michigan.

Q: What is the population of 48638?

About 12,875 people live in 48638, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 48638?

The median household income in 48638 is $69,459.

Q: What zip codes are near 48638?

The closest zip codes to 48638 are 48602, 48603, 48605, 48663, 48609.

Residential delivery areaSaginaw CountyEastern Time

Population

12,875

Median household income

$69K

U.S. $81K

Median home value

$173K

U.S. $333K

Median rent

$949/mo

U.S. $1,413

Median age

43.6

U.S. 38.9

Land area

6.5 sq mi

1,968 people/sq mi

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

About 48638

48638 is a suburban zip code in Saginaw, Michigan (Saginaw County), covering 6.5 sq mi of land. About 12,875 people live here, or 1,968 per square mile. The median resident is 43.6 years old, compared with 38.9 nationally.

The median household earns $69,459 a year, 14% below the national median of $80,734. 13.4% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $172,600, or 2.5 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 62% of occupied homes are lived in by their owners, and renters pay a median of $949 a month.

34% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 23.6 minutes each way, and 7% of workers work from home. The most common jobs among working residents are in office and administrative support; healthcare; and sales.

How 48638 compares

Sorted from highest to lowest national percentile

Residents 65 and older24.6%
91st
U.S. 17.2% · MI 18.6%266th of 962 in MI
Median age43.6
80th
U.S. 38.9 · MI 40.2470th of 962 in MI
Healthcare workers11.9%
80th
U.S. 9.7% · MI 10.1%202nd of 961 in MI
Veterans7.3%
70th
U.S. 6.2% · MI 5.8%395th of 962 in MI
Income inequality (Gini)0.455
66th
U.S. 0.483 · MI 0.465212th of 958 in MI
Poverty rate13.4%
63rd
U.S. 12.5% · MI 13.2%332nd of 959 in MI
Housing vacancy8.2%
62nd
U.S. 10.1% · MI 11.8%557th of 958 in MI
Population density1,968/sq mi
56th
U.S. 95/sq mi · MI 178/sq mi151st of 962 in MI
Per capita income$42,122
56th
U.S. $44,673 · MI $40,735267th of 962 in MI
Bachelor's degree or higher34.4%
55th
U.S. 35.7% · MI 32.4%231st of 961 in MI
Broadband access92.6%
54th
U.S. 91% · MI 90.5%230th of 958 in MI
Median earnings per worker$48,257
50th
U.S. $49,666 · MI $47,178316th of 960 in MI
Diversity index45.5
44th
U.S. 61.4 · MI 45.3142nd of 962 in MI
Homeownership rate62.1%
36th
U.S. 65.2% · MI 73.2%863rd of 958 in MI
Median household income$69,459
35th
U.S. $80,734 · MI $72,875466th of 952 in MI
Average commute23.6 min
34th
U.S. 26.4 min · MI 24.2 min612th of 941 in MI
Government workers11.5%
31st
U.S. 14.5% · MI 11.6%476th of 961 in MI
Unemployment rate3.8%
30th
U.S. 5.2% · MI 5.7%606th of 961 in MI
Residents under 1819.5%
28th
U.S. 22% · MI 21.2%545th of 962 in MI
Self-employed workers7.7%
28th
U.S. 10% · MI 8.6%641st of 961 in MI
Uninsured rate4.4%
26th
U.S. 8.4% · MI 4.9%489th of 961 in MI
Tech workers1.6%
25th
U.S. 3.8% · MI 3.1%495th of 961 in MI
Population12,875
20th
U.S. 334,922,499 · MI 10,077,761284th of 962 in MI
Median gross rent$949
17th
U.S. $1,413 · MI $1,129457th of 851 in MI
Foreign-born residents2.8%
17th
U.S. 14.1% · MI 7.2%341st of 962 in MI
Work from home6.9%
16th
U.S. 15.1% · MI 13.5%708th of 961 in MI
Median home value$172,600
15th
U.S. $332,700 · MI $231,600564th of 946 in MI
Rent-burdened renters31.9%
6th
StrengthU.S. 51.1% · MI 50.4%732nd of 931 in MI

Measure	48638	Saginaw	MI	U.S.	National percentile	Rank in MI
Residents 65 and older	24.6%	20.4%	18.6%	17.2%	91st	266th of 962
Median age	43.6	41.2	40.2	38.9	80th	470th of 962
Healthcare workers	11.9%	11.6%	10.1%	9.7%	80th	202nd of 961
Veterans	7.3%	6.6%	5.8%	6.2%	70th	395th of 962
Income inequality (Gini)	0.455	0.468	0.465	0.483	66th	212th of 958
Poverty rate	13.4%	18.2%	13.2%	12.5%	63rd	332nd of 959
Housing vacancy	8.2%	9.6%	11.8%	10.1%	62nd	557th of 958
Population density	1,968/sq mi	236/sq mi	178/sq mi	95/sq mi	56th	151st of 962
Per capita income	$42,122	$34,578	$40,735	$44,673	56th	267th of 962
Bachelor's degree or higher	34.4%	24.4%	32.4%	35.7%	55th	231st of 961
Broadband access	92.6%	89%	90.5%	91%	54th	230th of 958
Median earnings per worker	$48,257	$41,818	$47,178	$49,666	50th	316th of 960
Diversity index	45.5	49.8	45.3	61.4	44th	142nd of 962
Homeownership rate	62.1%	74.1%	73.2%	65.2%	36th	863rd of 958
Median household income	$69,459	$60,622	$72,875	$80,734	35th	466th of 952
Average commute	23.6 min	22.4 min	24.2 min	26.4 min	34th	612th of 941
Government workers	11.5%	12.1%	11.6%	14.5%	31st	476th of 961
Unemployment rate	3.8%	6.4%	5.7%	5.2%	30th	606th of 961
Residents under 18	19.5%	21.3%	21.2%	22%	28th	545th of 962
Self-employed workers	7.7%	7.2%	8.6%	10%	28th	641st of 961
Uninsured rate	4.4%	4.5%	4.9%	8.4%	26th	489th of 961
Tech workers	1.6%	2.3%	3.1%	3.8%	25th	495th of 961
Population	12,875	188,665	10,077,761	334,922,499	20th	284th of 962
Median gross rent	$949	$947	$1,129	$1,413	17th	457th of 851
Foreign-born residents	2.8%	2.4%	7.2%	14.1%	17th	341st of 962
Work from home	6.9%	10%	13.5%	15.1%	16th	708th of 961
Median home value	$172,600	$152,800	$231,600	$332,700	15th	564th of 946
Rent-burdened rentersStrength	31.9%	55%	50.4%	51.1%	6th	732nd 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

16%

5–17

18–24

12%

25–34

12%

35–44

12%

45–54

12%

55–64

14%

65–74

11%

75+

Median age

43.6

Under 18

19.5%

65 and over

24.6%

Race and ethnicity

White71%
Black18%
Hispanic8%
Asian1%
Native American0.0%
Pacific Islander0%
Other0%
Multiracial2%

Diversity index

45.5

U.S. 61.4

Foreign-born

2.8%

U.S. 14.1%

Born in state

87%

Language spoken at home (households)

English only

94%

Spanish

Other Indo-European

Asian / Pacific

0.9%

Other

0.5%

Households

Households: 5,910
Average household size: 2.2
Family households: 56.6%
Married couples: 41.9%
Living alone: 38.4%
Veterans (of adults): 7.3%
Male / female: 48% / 52%

Income and poverty

Household income distribution

<$25k

18%

$25–50k

19%

$50–75k

17%

$75–100k

18%

$100–150k

15%

$150–200k

$200k+

Median household income

48638

$69,459

Saginaw Co.

$60,622

Michigan

$72,875

United States

$80,734

Per capita income

$42,122

U.S. $44,673

Poverty rate

13.4%

U.S. 12.5%

Households earning $150K+

13.7%

U.S. 23%

Income inequality (Gini)

0.455

U.S. 0.483

Housing

Median home value

48638

$172,600

Saginaw Co.

$152,800

Michigan

$231,600

United States

$332,700

Median gross rent

48638

$949

Saginaw Co.

$947

Michigan

$1,129

United States

$1,413

Types of housing

Single-family

64%

2–4 units

5–19 units

20%

20+ units

11%

Mobile home

0.8%

Boat, RV, van

Housing units: 6,435
Owner-occupied: 62.1%
Vacant: 8.2%
Median year built: 1972
Median rooms: 5.8
Renters paying 30%+ of income: 31.9%
Renters paying 50%+ of income: 11.8%
Home value to income: 2.5× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

82%

Carpooled

10%

Transit

Walked

0.3%

Bicycle

0.5%

Worked from home

Other

0.4%

Commute time (one way)

<10 min

15%

10–19

42%

20–29

20%

30–44

10%

45–59

60+

10%

Average commute

23.6 min

U.S. 26.4 min

Unemployment

3.8%

U.S. 5.2%

In labor force

58.6%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Office and admin

16%

Healthcare

12%

Sales

Production

Construction and repair

Management

Transportation and moving

Education

Cleaning and personal care

Engineering and science

Business and finance

Food service

Legal and social services

Police and fire

Computer and math

Arts, media and sports

Farming, fishing and forestry

0.4%

Industries

Manufacturing

22%

Health care and social assistance

15%

Retail

11%

Education

Construction

Finance, insurance and real estate

Professional and technical services

Transportation, warehousing and utilities

Other services

Restaurants and hotels

Public administration

Admin, support and management

Arts and recreation

Wholesale

Information

0.9%

Agriculture and mining

0.5%

Median earnings per worker

$48,257

U.S. $49,666

Self-employed

7.7%

U.S. 10%

Government workers

11.5%

U.S. 14.5%

Nonprofit workers

12.9%

U.S. 8.8%

Median earnings by type of work

Type of work	48638	U.S.
Management, business, science and arts	$69,479	$74,888
Service	$30,906	$26,804
Sales and office	$37,917	$40,476
Construction and maintenance	$48,075	$49,199
Production and transportation	$47,204	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

25%

Some college

25%

Associate's

11%

Bachelor's

21%

Graduate

13%

High school graduate or higher: 95.1%
Bachelor's degree or higher: 34.4%
Graduate or professional degree: 12.9%
Households with broadband: 92.6%
Cable, fiber or DSL: 79%
No internet access: 4.2%
Without health insurance: 4.4%
Limited-English households: 1.5%

Geography

City (USPS): Saginaw
State: Michigan
County: Saginaw County
Center point: 43.4189° N, 84.0182° W
Land area: 6.5 sq mi
Water area: 0.2 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Zip codes near 48638

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
48602	Saginaw, MI	2.2 mi	27,127	$46,984	$73,600
48603	Saginaw, MI	2.8 mi	27,757	$66,352	$186,800
48605	Saginaw, MI · PO box	3.2 mi	—	—	—
48663	Saginaw, MI · PO box	3.4 mi	—	—	—
48609	Saginaw, MI	3.8 mi	11,966	$78,218	$170,800
48607	Saginaw, MI	4.3 mi	1,614	$37,973	$73,800
48606	Saginaw, MI · PO box	4.9 mi	—	—	—
48608	Saginaw, MI · PO box	4.9 mi	—	—	—
48724	Carrollton, MI	5.3 mi	1,229	$34,512	$66,100
48604	Saginaw, MI	6.1 mi	11,011	$53,042	$101,200
48601	Saginaw, MI	6.7 mi	31,601	$38,900	$62,800
48623	Freeland, MI	9 mi	15,129	$101,250	$257,700

Zip codes like 48638 elsewhere

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

Questions about 48638

What city is zip code 48638?

48638 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 48638 in?

48638 is in Saginaw County, Michigan.

What is the population of 48638?

About 12,875 people live in 48638, according to the Census Bureau's American Community Survey.

What time zone is 48638 in?

48638 is in Eastern Time.

What is the median household income in 48638?

The median household income in 48638 is $69,459.

What zip codes are near 48638?

The closest zip codes to 48638 are 48602, 48603, 48605, 48663, 48609.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 48638, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.