Zip code 48649: Oakley, Michigan

Q: What city is zip code 48649?

48649 is assigned to Oakley, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 48649 in?

48649 is mostly in Saginaw County, but it extends into 1 other county.

Q: What is the population of 48649?

About 1,699 people live in 48649, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 48649?

The median household income in 48649 is $72,609.

Q: What zip codes are near 48649?

The closest zip codes to 48649 are 48841, 48616, 48614, 48831, 48807.

Residential delivery areaSaginaw CountyEastern Time

Population

1,699

Median household income

$73K

U.S. $81K

Median home value

$164K

U.S. $333K

Median rent

$799/mo

U.S. $1,413

Median age

51.3

U.S. 38.9

Land area

27 sq mi

62 people/sq mi

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

About 48649

48649 is a small-town zip code in Oakley, Michigan (Saginaw County), covering 27 sq mi of land. About 1,699 people live here, or 62 per square mile. The median resident is 51.3 years old, compared with 38.9 nationally.

The median household earns $72,609 a year, close to the national median of $80,734. 7.4% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $164,200, or 2.3 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 89% of occupied homes are lived in by their owners, and renters pay a median of $799 a month.

16% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 35.3 minutes each way, and 11% of workers work from home. The most common jobs among working residents are in healthcare; office and administrative support; and transportation and moving goods.

How 48649 compares

Sorted from highest to lowest national percentile

Healthcare workers17.8%
98th
U.S. 9.7% · MI 10.1%30th of 961 in MI
Median age51.3
96th
U.S. 38.9 · MI 40.2178th of 962 in MI
Homeownership rate88.9%
95th
StrengthU.S. 65.2% · MI 73.2%321st of 958 in MI
Average commute35.3 min
92nd
WeaknessU.S. 26.4 min · MI 24.2 min63rd of 941 in MI
Self-employed workers13.4%
85th
U.S. 10% · MI 8.6%191st of 961 in MI
Residents 65 and older18.5%
64th
U.S. 17.2% · MI 18.6%607th of 962 in MI
Unemployment rate5.4%
59th
U.S. 5.2% · MI 5.7%387th of 961 in MI
Veterans6.5%
59th
U.S. 6.2% · MI 5.8%524th of 962 in MI
Median earnings per worker$50,848
58th
U.S. $49,666 · MI $47,178246th of 960 in MI
Broadband access92.1%
50th
U.S. 91% · MI 90.5%274th of 958 in MI
Per capita income$38,443
45th
U.S. $44,673 · MI $40,735384th of 962 in MI
Work from home11.3%
42nd
U.S. 15.1% · MI 13.5%373rd of 961 in MI
Median household income$72,609
40th
U.S. $80,734 · MI $72,875413th of 952 in MI
Income inequality (Gini)0.416
33rd
U.S. 0.483 · MI 0.465489th of 958 in MI
Residents under 1820.1%
32nd
U.S. 22% · MI 21.2%502nd of 962 in MI
Poverty rate7.4%
28th
U.S. 12.5% · MI 13.2%698th of 959 in MI
Diversity index23.2
16th
U.S. 61.4 · MI 45.3374th of 962 in MI
Median home value$164,200
13th
U.S. $332,700 · MI $231,600631st of 946 in MI
Rent-burdened renters38%
12th
StrengthU.S. 51.1% · MI 50.4%636th of 931 in MI
Bachelor's degree or higher15.5%
11th
WeaknessU.S. 35.7% · MI 32.4%734th of 961 in MI
Housing vacancy3%
11th
U.S. 10.1% · MI 11.8%866th of 958 in MI
Tech workers0.8%
10th
U.S. 3.8% · MI 3.1%720th of 961 in MI
Population density62/sq mi
9th
U.S. 95/sq mi · MI 178/sq mi635th of 962 in MI
Median gross rent$799
7th
U.S. $1,413 · MI $1,129676th of 851 in MI
Foreign-born residents0.5%
3rd
U.S. 14.1% · MI 7.2%841st of 962 in MI
Population1,699
2nd
U.S. 334,922,499 · MI 10,077,761725th of 962 in MI
Government workers6.2%
2nd
U.S. 14.5% · MI 11.6%900th of 961 in MI
Uninsured rate0.9%
1st
StrengthU.S. 8.4% · MI 4.9%926th of 961 in MI

Measure	48649	Saginaw	MI	U.S.	National percentile	Rank in MI
Healthcare workers	17.8%	11.6%	10.1%	9.7%	98th	30th of 961
Median age	51.3	41.2	40.2	38.9	96th	178th of 962
Homeownership rateStrength	88.9%	74.1%	73.2%	65.2%	95th	321st of 958
Average commuteWeakness	35.3 min	22.4 min	24.2 min	26.4 min	92nd	63rd of 941
Self-employed workers	13.4%	7.2%	8.6%	10%	85th	191st of 961
Residents 65 and older	18.5%	20.4%	18.6%	17.2%	64th	607th of 962
Unemployment rate	5.4%	6.4%	5.7%	5.2%	59th	387th of 961
Veterans	6.5%	6.6%	5.8%	6.2%	59th	524th of 962
Median earnings per worker	$50,848	$41,818	$47,178	$49,666	58th	246th of 960
Broadband access	92.1%	89%	90.5%	91%	50th	274th of 958
Per capita income	$38,443	$34,578	$40,735	$44,673	45th	384th of 962
Work from home	11.3%	10%	13.5%	15.1%	42nd	373rd of 961
Median household income	$72,609	$60,622	$72,875	$80,734	40th	413th of 952
Income inequality (Gini)	0.416	0.468	0.465	0.483	33rd	489th of 958
Residents under 18	20.1%	21.3%	21.2%	22%	32nd	502nd of 962
Poverty rate	7.4%	18.2%	13.2%	12.5%	28th	698th of 959
Diversity index	23.2	49.8	45.3	61.4	16th	374th of 962
Median home value	$164,200	$152,800	$231,600	$332,700	13th	631st of 946
Rent-burdened rentersStrength	38%	55%	50.4%	51.1%	12th	636th of 931
Bachelor's degree or higherWeakness	15.5%	24.4%	32.4%	35.7%	11th	734th of 961
Housing vacancy	3%	9.6%	11.8%	10.1%	11th	866th of 958
Tech workers	0.8%	2.3%	3.1%	3.8%	10th	720th of 961
Population density	62/sq mi	236/sq mi	178/sq mi	95/sq mi	9th	635th of 962
Median gross rent	$799	$947	$1,129	$1,413	7th	676th of 851
Foreign-born residents	0.5%	2.4%	7.2%	14.1%	3rd	841st of 962
Population	1,699	188,665	10,077,761	334,922,499	2nd	725th of 962
Government workers	6.2%	12.1%	11.6%	14.5%	2nd	900th of 961
Uninsured rateStrength	0.9%	4.5%	4.9%	8.4%	1st	926th 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

11%

25–34

35–44

13%

45–54

23%

55–64

10%

65–74

75+

Median age

51.3

Under 18

20.1%

65 and over

18.5%

Race and ethnicity

White87%
Black2%
Hispanic8%
Asian0%
Native American0.1%
Pacific Islander0%
Other0%
Multiracial2%

Diversity index

23.2

U.S. 61.4

Foreign-born

0.5%

U.S. 14.1%

Born in state

92.3%

Language spoken at home (households)

English only

99%

Spanish

0.3%

Other Indo-European

0.3%

Asian / Pacific

Other

0.3%

Households

Households: 682
Average household size: 2.5
Family households: 81.7%
Married couples: 67.9%
Living alone: 15.1%
Veterans (of adults): 6.5%
Male / female: 50% / 50%

Income and poverty

Household income distribution

<$25k

13%

$25–50k

13%

$50–75k

28%

$75–100k

17%

$100–150k

17%

$150–200k

$200k+

Median household income

48649

$72,609

Saginaw Co.

$60,622

Michigan

$72,875

United States

$80,734

Per capita income

$38,443

U.S. $44,673

Poverty rate

7.4%

U.S. 12.5%

Households earning $150K+

12.2%

U.S. 23%

Income inequality (Gini)

0.416

U.S. 0.483

Housing

Median home value

48649

$164,200

Saginaw Co.

$152,800

Michigan

$231,600

United States

$332,700

Median gross rent

48649

$799

Saginaw Co.

$947

Michigan

$1,129

United States

$1,413

Types of housing

Single-family

88%

2–4 units

5–19 units

20+ units

0.4%

Mobile home

Boat, RV, van

Housing units: 703
Owner-occupied: 88.9%
Vacant: 3%
Median year built: 1977
Median rooms: 6.9
Renters paying 30%+ of income: 38%
Renters paying 50%+ of income: 23.9%
Home value to income: 2.3× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

77%

Carpooled

Transit

Walked

Bicycle

Worked from home

11%

Other

Commute time (one way)

<10 min

13%

10–19

21%

20–29

14%

30–44

15%

45–59

19%

60+

17%

Average commute

35.3 min

U.S. 26.4 min

Unemployment

5.4%

U.S. 5.2%

In labor force

57.6%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Healthcare

18%

Office and admin

15%

Transportation and moving

13%

Production

11%

Construction and repair

Management

Business and finance

Sales

Police and fire

Cleaning and personal care

Education

Legal and social services

Farming, fishing and forestry

0.9%

Computer and math

0.8%

Engineering and science

0.8%

Food service

0.1%

Arts, media and sports

Industries

Health care and social assistance

24%

Manufacturing

13%

Agriculture and mining

11%

Construction

10%

Transportation, warehousing and utilities

10%

Retail

Public administration

Professional and technical services

Other services

Education

Finance, insurance and real estate

Wholesale

Admin, support and management

Arts and recreation

Restaurants and hotels

0.5%

Information

0.3%

Median earnings per worker

$50,848

U.S. $49,666

Self-employed

13.4%

U.S. 10%

Government workers

6.2%

U.S. 14.5%

Nonprofit workers

8.8%

U.S. 8.8%

Median earnings by type of work

Type of work	48649	U.S.
Management, business, science and arts	$60,208	$74,888
Service	$38,906	$26,804
Sales and office	$37,639	$40,476
Construction and maintenance	$60,764	$49,199
Production and transportation	$45,313	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

10%

High school

38%

Some college

21%

Associate's

15%

Bachelor's

12%

Graduate

High school graduate or higher: 89.8%
Bachelor's degree or higher: 15.5%
Graduate or professional degree: 4%
Households with broadband: 92.1%
Cable, fiber or DSL: 59.2%
No internet access: 7.6%
Without health insurance: 0.9%
Limited-English households: 0%

Geography

City (USPS): Oakley
State: Michigan
County: Saginaw County
Center point: 43.1505° N, 84.2174° W
Land area: 27 sq mi
Water area: 0.1 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

48649 spans 2 counties

Saginaw County94% of land
Shiawassee County6% of land

Cities and towns within this zip

Oakley4% of zip

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

Zip codes near 48649

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
48841	Henderson, MI	2.9 mi	729	$60,156	$164,000
48616	Chesaning, MI	5.9 mi	7,577	$66,819	$163,100
48614	Brant, MI	8 mi	943	$63,393	$152,500
48831	Elsie, MI	8.7 mi	3,088	$63,299	$161,300
48807	Bannister, MI	9.3 mi	658	$60,825	$108,200
48867	Owosso, MI	10 mi	27,500	$59,825	$154,400
48655	Saint Charles, MI	10 mi	5,760	$66,115	$175,700
48460	New Lothrop, MI	12 mi	2,701	$80,000	$213,900
48817	Corunna, MI	13 mi	5,416	$55,194	$171,700
48866	Ovid, MI	14 mi	4,607	$65,281	$169,000
48806	Ashley, MI	14 mi	1,752	$61,375	$155,600
48833	Eureka, MI · PO box	15 mi	—	—	—

Zip codes like 48649 elsewhere

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

Questions about 48649

What city is zip code 48649?

48649 is assigned to Oakley, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 48649 in?

48649 is mostly in Saginaw County, but it extends into 1 other county.

What is the population of 48649?

About 1,699 people live in 48649, according to the Census Bureau's American Community Survey.

What time zone is 48649 in?

48649 is in Eastern Time.

What is the median household income in 48649?

The median household income in 48649 is $72,609.

What zip codes are near 48649?

The closest zip codes to 48649 are 48841, 48616, 48614, 48831, 48807.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 48649, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.