Zip code 48655: Saint Charles, Michigan

Q: What city is zip code 48655?

48655 is assigned to Saint Charles, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 48655 in?

48655 is in Saginaw County, Michigan.

Q: What is the population of 48655?

About 5,760 people live in 48655, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 48655?

The median household income in 48655 is $66,115.

Q: What zip codes are near 48655?

The closest zip codes to 48655 are 48606, 48608, 48616, 48609, 48614.

Residential delivery areaSaginaw CountyEastern Time

Population

5,760

Median household income

$66K

U.S. $81K

Median home value

$176K

U.S. $333K

Median rent

$581/mo

U.S. $1,413

Median age

46.7

U.S. 38.9

Land area

94 sq mi

61 people/sq mi

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

About 48655

48655 is a small-town zip code in Saint Charles, Michigan (Saginaw County), covering 94 sq mi of land. About 5,760 people live here, or 61 per square mile. The median resident is 46.7 years old, compared with 38.9 nationally.

The median household earns $66,115 a year, 18% below the national median of $80,734. 9.3% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $175,700, or 2.7 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 $581 a month.

19% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 31.9 minutes each way, and 11% of workers work from home. The most common jobs among working residents are in healthcare; production and manufacturing; and management.

How 48655 compares

Sorted from highest to lowest national percentile

Healthcare workers13.6%
91st
U.S. 9.7% · MI 10.1%105th of 961 in MI
Median age46.7
90th
U.S. 38.9 · MI 40.2323rd of 962 in MI
Homeownership rate85.7%
90th
StrengthU.S. 65.2% · MI 73.2%463rd of 958 in MI
Veterans10%
90th
U.S. 6.2% · MI 5.8%166th of 962 in MI
Residents 65 and older23.1%
87th
U.S. 17.2% · MI 18.6%326th of 962 in MI
Average commute31.9 min
83rd
WeaknessU.S. 26.4 min · MI 24.2 min138th of 941 in MI
Rent-burdened renters57.7%
76th
U.S. 51.1% · MI 50.4%187th of 931 in MI
Government workers16.4%
68th
U.S. 14.5% · MI 11.6%176th of 961 in MI
Self-employed workers10.2%
61st
U.S. 10% · MI 8.6%386th of 961 in MI
Housing vacancy7.1%
54th
U.S. 10.1% · MI 11.8%615th of 958 in MI
Median earnings per worker$46,967
46th
U.S. $49,666 · MI $47,178358th of 960 in MI
Work from home11.1%
41st
U.S. 15.1% · MI 13.5%395th of 961 in MI
Poverty rate9.3%
40th
U.S. 12.5% · MI 13.2%565th of 959 in MI
Income inequality (Gini)0.424
40th
U.S. 0.483 · MI 0.465431st of 958 in MI
Per capita income$35,440
35th
U.S. $44,673 · MI $40,735516th of 962 in MI
Unemployment rate3.9%
32nd
U.S. 5.2% · MI 5.7%599th of 961 in MI
Median household income$66,115
30th
U.S. $80,734 · MI $72,875528th of 952 in MI
Residents under 1819.4%
27th
U.S. 22% · MI 21.2%564th of 962 in MI
Tech workers1.4%
20th
U.S. 3.8% · MI 3.1%558th of 961 in MI
Bachelor's degree or higher18.8%
18th
WeaknessU.S. 35.7% · MI 32.4%606th of 961 in MI
Median home value$175,700
16th
U.S. $332,700 · MI $231,600555th of 946 in MI
Diversity index21.3
14th
U.S. 61.4 · MI 45.3425th of 962 in MI
Broadband access83.9%
10th
WeaknessU.S. 91% · MI 90.5%739th of 958 in MI
Population5,760
9th
U.S. 334,922,499 · MI 10,077,761448th of 962 in MI
Population density61/sq mi
9th
U.S. 95/sq mi · MI 178/sq mi638th of 962 in MI
Uninsured rate2.6%
9th
StrengthU.S. 8.4% · MI 4.9%783rd of 961 in MI
Foreign-born residents0.6%
3rd
U.S. 14.1% · MI 7.2%812th of 962 in MI
Median gross rent$581
1st
U.S. $1,413 · MI $1,129829th of 851 in MI

Measure	48655	Saginaw	MI	U.S.	National percentile	Rank in MI
Healthcare workers	13.6%	11.6%	10.1%	9.7%	91st	105th of 961
Median age	46.7	41.2	40.2	38.9	90th	323rd of 962
Homeownership rateStrength	85.7%	74.1%	73.2%	65.2%	90th	463rd of 958
Veterans	10%	6.6%	5.8%	6.2%	90th	166th of 962
Residents 65 and older	23.1%	20.4%	18.6%	17.2%	87th	326th of 962
Average commuteWeakness	31.9 min	22.4 min	24.2 min	26.4 min	83rd	138th of 941
Rent-burdened renters	57.7%	55%	50.4%	51.1%	76th	187th of 931
Government workers	16.4%	12.1%	11.6%	14.5%	68th	176th of 961
Self-employed workers	10.2%	7.2%	8.6%	10%	61st	386th of 961
Housing vacancy	7.1%	9.6%	11.8%	10.1%	54th	615th of 958
Median earnings per worker	$46,967	$41,818	$47,178	$49,666	46th	358th of 960
Work from home	11.1%	10%	13.5%	15.1%	41st	395th of 961
Poverty rate	9.3%	18.2%	13.2%	12.5%	40th	565th of 959
Income inequality (Gini)	0.424	0.468	0.465	0.483	40th	431st of 958
Per capita income	$35,440	$34,578	$40,735	$44,673	35th	516th of 962
Unemployment rate	3.9%	6.4%	5.7%	5.2%	32nd	599th of 961
Median household income	$66,115	$60,622	$72,875	$80,734	30th	528th of 952
Residents under 18	19.4%	21.3%	21.2%	22%	27th	564th of 962
Tech workers	1.4%	2.3%	3.1%	3.8%	20th	558th of 961
Bachelor's degree or higherWeakness	18.8%	24.4%	32.4%	35.7%	18th	606th of 961
Median home value	$175,700	$152,800	$231,600	$332,700	16th	555th of 946
Diversity index	21.3	49.8	45.3	61.4	14th	425th of 962
Broadband accessWeakness	83.9%	89%	90.5%	91%	10th	739th of 958
Population	5,760	188,665	10,077,761	334,922,499	9th	448th of 962
Population density	61/sq mi	236/sq mi	178/sq mi	95/sq mi	9th	638th of 962
Uninsured rateStrength	2.6%	4.5%	4.9%	8.4%	9th	783rd of 961
Foreign-born residents	0.6%	2.4%	7.2%	14.1%	3rd	812th of 962
Median gross rent	$581	$947	$1,129	$1,413	1st	829th of 851

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

10%

35–44

15%

45–54

15%

55–64

13%

65–74

10%

75+

Median age

46.7

Under 18

19.4%

65 and over

23.1%

Race and ethnicity

White88%
Black3%
Hispanic6%
Asian0.5%
Native American0.1%
Pacific Islander0%
Other0%
Multiracial2%

Diversity index

21.3

U.S. 61.4

Foreign-born

0.6%

U.S. 14.1%

Born in state

88.7%

Language spoken at home (households)

English only

97%

Spanish

0.5%

Other Indo-European

0.2%

Asian / Pacific

0.8%

Other

Households

Households: 2,387
Average household size: 2.4
Family households: 70.6%
Married couples: 55.7%
Living alone: 23.6%
Veterans (of adults): 10%
Male / female: 51% / 49%

Income and poverty

Household income distribution

<$25k

17%

$25–50k

19%

$50–75k

20%

$75–100k

12%

$100–150k

17%

$150–200k

$200k+

Median household income

48655

$66,115

Saginaw Co.

$60,622

Michigan

$72,875

United States

$80,734

Per capita income

$35,440

U.S. $44,673

Poverty rate

9.3%

U.S. 12.5%

Households earning $150K+

14.7%

U.S. 23%

Income inequality (Gini)

0.424

U.S. 0.483

Housing

Median home value

48655

$175,700

Saginaw Co.

$152,800

Michigan

$231,600

United States

$332,700

Median gross rent

48655

$581

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: 2,570
Owner-occupied: 85.7%
Vacant: 7.1%
Median year built: 1971
Median rooms: 6.3
Renters paying 30%+ of income: 57.7%
Renters paying 50%+ of income: 29.2%
Home value to income: 2.7× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

78%

Carpooled

Transit

0.3%

Walked

Bicycle

Worked from home

11%

Other

Commute time (one way)

<10 min

10–19

17%

20–29

19%

30–44

31%

45–59

12%

60+

11%

Average commute

31.9 min

U.S. 26.4 min

Unemployment

3.9%

U.S. 5.2%

In labor force

56.3%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Healthcare

14%

Production

12%

Management

12%

Office and admin

10%

Construction and repair

10%

Sales

Transportation and moving

Education

Engineering and science

Cleaning and personal care

Business and finance

Food service

Legal and social services

Computer and math

Police and fire

0.9%

Arts, media and sports

0.9%

Farming, fishing and forestry

0.4%

Industries

Health care and social assistance

21%

Manufacturing

19%

Retail

13%

Construction

Education

Other services

Transportation, warehousing and utilities

Public administration

Finance, insurance and real estate

Admin, support and management

Professional and technical services

Restaurants and hotels

Wholesale

Agriculture and mining

Arts and recreation

Information

Median earnings per worker

$46,967

U.S. $49,666

Self-employed

10.2%

U.S. 10%

Government workers

16.4%

U.S. 14.5%

Nonprofit workers

10.2%

U.S. 8.8%

Median earnings by type of work

Type of work	48655	U.S.
Management, business, science and arts	$60,365	$74,888
Service	$22,466	$26,804
Sales and office	$30,667	$40,476
Construction and maintenance	$51,125	$49,199
Production and transportation	$45,888	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

37%

Some college

26%

Associate's

13%

Bachelor's

13%

Graduate

High school graduate or higher: 94%
Bachelor's degree or higher: 18.8%
Graduate or professional degree: 6.3%
Households with broadband: 83.9%
Cable, fiber or DSL: 59.5%
No internet access: 12.8%
Without health insurance: 2.6%
Limited-English households: 0%

Geography

City (USPS): Saint Charles
State: Michigan
County: Saginaw County
Center point: 43.2946° N, 84.1596° W
Land area: 94 sq mi
Water area: 1.6 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

St. Charles2% of zip

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

Zip codes near 48655

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
48606	Saginaw, MI · PO box	7.4 mi	—	—	—
48608	Saginaw, MI · PO box	7.4 mi	—	—	—
48616	Chesaning, MI	7.5 mi	7,577	$66,819	$163,100
48609	Saginaw, MI	7.6 mi	11,966	$78,218	$170,800
48614	Brant, MI	7.6 mi	943	$63,393	$152,500
48626	Hemlock, MI	9.3 mi	5,766	$84,360	$224,100
48649	Oakley, MI	10 mi	1,699	$72,609	$164,200
48638	Saginaw, MI	11 mi	12,875	$69,459	$172,600
48417	Burt, MI	11 mi	2,222	$72,422	$166,400
48637	Merrill, MI	12 mi	3,024	$65,865	$158,600
48605	Saginaw, MI · PO box	13 mi	—	—	—
48602	Saginaw, MI	13 mi	27,127	$46,984	$73,600

Zip codes like 48655 elsewhere

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

Questions about 48655

What city is zip code 48655?

48655 is assigned to Saint Charles, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 48655 in?

48655 is in Saginaw County, Michigan.

What is the population of 48655?

About 5,760 people live in 48655, according to the Census Bureau's American Community Survey.

What time zone is 48655 in?

48655 is in Eastern Time.

What is the median household income in 48655?

The median household income in 48655 is $66,115.

What zip codes are near 48655?

The closest zip codes to 48655 are 48606, 48608, 48616, 48609, 48614.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 48655, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.