Zip code 48706: Bay City, Michigan

Q: What city is zip code 48706?

48706 is assigned to Bay City, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 48706 in?

48706 is in Bay County, Michigan.

Q: What is the population of 48706?

About 38,974 people live in 48706, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 48706?

The median household income in 48706 is $62,747.

Q: What zip codes are near 48706?

The closest zip codes to 48706 are 48710, 48631, 48708, 48604, 48611.

Residential delivery areaBay CountyEastern Time

Population

38,974

Median household income

$63K

U.S. $81K

Median home value

$156K

U.S. $333K

Median rent

$922/mo

U.S. $1,413

Median age

44.7

U.S. 38.9

Land area

66 sq mi

588 people/sq mi

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

About 48706

48706 is a suburban zip code in Bay City, Michigan (Bay County), covering 66 sq mi of land. About 38,974 people live here, or 588 per square mile. The median resident is 44.7 years old, compared with 38.9 nationally.

The median household earns $62,747 a year, 22% below the national median of $80,734. 12.3% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $155,800, or 2.5 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 78% of occupied homes are lived in by their owners, and renters pay a median of $922 a month.

25% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 20.9 minutes each way, and 9% of workers work from home. The most common jobs among working residents are in healthcare; office and administrative support; and sales.

How 48706 compares

Sorted from highest to lowest national percentile

Healthcare workers14.6%
94th
U.S. 9.7% · MI 10.1%77th of 961 in MI
Residents 65 and older23.6%
89th
U.S. 17.2% · MI 18.6%301st of 962 in MI
Median age44.7
85th
U.S. 38.9 · MI 40.2413th of 962 in MI
Homeownership rate78.2%
74th
U.S. 65.2% · MI 73.2%679th of 958 in MI
Population38,974
66th
U.S. 334,922,499 · MI 10,077,76146th of 962 in MI
Veterans6.7%
62nd
U.S. 6.2% · MI 5.8%478th of 962 in MI
Poverty rate12.3%
57th
U.S. 12.5% · MI 13.2%385th of 959 in MI
Housing vacancy7.3%
55th
U.S. 10.1% · MI 11.8%602nd of 958 in MI
Income inequality (Gini)0.430
46th
U.S. 0.483 · MI 0.465377th of 958 in MI
Per capita income$36,643
39th
U.S. $44,673 · MI $40,735459th of 962 in MI
Broadband access90.4%
37th
U.S. 91% · MI 90.5%378th of 958 in MI
Residents under 1820.6%
36th
U.S. 22% · MI 21.2%456th of 962 in MI
Population density588/sq mi
35th
U.S. 95/sq mi · MI 178/sq mi261st of 962 in MI
Bachelor's degree or higher24.7%
33rd
U.S. 35.7% · MI 32.4%398th of 961 in MI
Median earnings per worker$42,503
31st
U.S. $49,666 · MI $47,178557th of 960 in MI
Rent-burdened renters45.3%
30th
U.S. 51.1% · MI 50.4%476th of 931 in MI
Work from home8.9%
28th
U.S. 15.1% · MI 13.5%546th of 961 in MI
Unemployment rate3.7%
28th
U.S. 5.2% · MI 5.7%620th of 961 in MI
Tech workers1.7%
27th
U.S. 3.8% · MI 3.1%458th of 961 in MI
Median household income$62,747
25th
U.S. $80,734 · MI $72,875613th of 952 in MI
Uninsured rate3.8%
20th
StrengthU.S. 8.4% · MI 4.9%589th of 961 in MI
Average commute20.9 min
17th
StrengthU.S. 26.4 min · MI 24.2 min761st of 941 in MI
Government workers9.6%
16th
U.S. 14.5% · MI 11.6%665th of 961 in MI
Median gross rent$922
15th
U.S. $1,413 · MI $1,129505th of 851 in MI
Self-employed workers6.5%
14th
U.S. 10% · MI 8.6%775th of 961 in MI
Median home value$155,800
11th
U.S. $332,700 · MI $231,600706th of 946 in MI
Diversity index18.7
11th
U.S. 61.4 · MI 45.3521st of 962 in MI
Foreign-born residents1%
6th
U.S. 14.1% · MI 7.2%674th of 962 in MI

Measure	48706	Bay	MI	U.S.	National percentile	Rank in MI
Healthcare workers	14.6%	13.7%	10.1%	9.7%	94th	77th of 961
Residents 65 and older	23.6%	21.9%	18.6%	17.2%	89th	301st of 962
Median age	44.7	43.9	40.2	38.9	85th	413th of 962
Homeownership rate	78.2%	77%	73.2%	65.2%	74th	679th of 958
Population	38,974	103,008	10,077,761	334,922,499	66th	46th of 962
Veterans	6.7%	7.5%	5.8%	6.2%	62nd	478th of 962
Poverty rate	12.3%	13.2%	13.2%	12.5%	57th	385th of 959
Housing vacancy	7.3%	7.3%	11.8%	10.1%	55th	602nd of 958
Income inequality (Gini)	0.430	0.434	0.465	0.483	46th	377th of 958
Per capita income	$36,643	$35,602	$40,735	$44,673	39th	459th of 962
Broadband access	90.4%	88.2%	90.5%	91%	37th	378th of 958
Residents under 18	20.6%	19.6%	21.2%	22%	36th	456th of 962
Population density	588/sq mi	233/sq mi	178/sq mi	95/sq mi	35th	261st of 962
Bachelor's degree or higher	24.7%	22.1%	32.4%	35.7%	33rd	398th of 961
Median earnings per worker	$42,503	$41,672	$47,178	$49,666	31st	557th of 960
Rent-burdened renters	45.3%	42.9%	50.4%	51.1%	30th	476th of 931
Work from home	8.9%	8.6%	13.5%	15.1%	28th	546th of 961
Unemployment rate	3.7%	4.3%	5.7%	5.2%	28th	620th of 961
Tech workers	1.7%	1.7%	3.1%	3.8%	27th	458th of 961
Median household income	$62,747	$61,763	$72,875	$80,734	25th	613th of 952
Uninsured rateStrength	3.8%	4.4%	4.9%	8.4%	20th	589th of 961
Average commuteStrength	20.9 min	23.1 min	24.2 min	26.4 min	17th	761st of 941
Government workers	9.6%	9.7%	11.6%	14.5%	16th	665th of 961
Median gross rent	$922	$860	$1,129	$1,413	15th	505th of 851
Self-employed workers	6.5%	7.6%	8.6%	10%	14th	775th of 961
Median home value	$155,800	$152,200	$231,600	$332,700	11th	706th of 946
Diversity index	18.7	21.7	45.3	61.4	11th	521st of 962
Foreign-born residents	1%	1.3%	7.2%	14.1%	6th	674th of 962

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

11%

35–44

11%

45–54

15%

55–64

13%

65–74

11%

75+

Median age

44.7

Under 18

20.6%

65 and over

23.6%

Race and ethnicity

White90%
Black0.8%
Hispanic4%
Asian0.5%
Native American0.1%
Pacific Islander0.1%
Other0.9%
Multiracial4%

Diversity index

18.7

U.S. 61.4

Foreign-born

U.S. 14.1%

Born in state

90.9%

Language spoken at home (households)

English only

97%

Spanish

Other Indo-European

Asian / Pacific

0.5%

Other

Households

Households: 17,184
Average household size: 2.2
Family households: 60.4%
Married couples: 44%
Living alone: 33.6%
Veterans (of adults): 6.7%
Male / female: 49% / 51%

Income and poverty

Household income distribution

<$25k

17%

$25–50k

24%

$50–75k

18%

$75–100k

14%

$100–150k

16%

$150–200k

$200k+

Median household income

48706

$62,747

Bay Co.

$61,763

Michigan

$72,875

United States

$80,734

Per capita income

$36,643

U.S. $44,673

Poverty rate

12.3%

U.S. 12.5%

Households earning $150K+

13%

U.S. 23%

Income inequality (Gini)

0.430

U.S. 0.483

Housing

Median home value

48706

$155,800

Bay Co.

$152,200

Michigan

$231,600

United States

$332,700

Median gross rent

48706

$922

Bay Co.

$860

Michigan

$1,129

United States

$1,413

Types of housing

Single-family

81%

2–4 units

5–19 units

20+ units

Mobile home

Boat, RV, van

0.1%

Housing units: 18,537
Owner-occupied: 78.2%
Vacant: 7.3%
Median year built: 1965
Median rooms: 5.8
Renters paying 30%+ of income: 45.3%
Renters paying 50%+ of income: 30%
Home value to income: 2.5× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

84%

Carpooled

Transit

0.3%

Walked

0.6%

Bicycle

0.3%

Worked from home

Other

0.2%

Commute time (one way)

<10 min

21%

10–19

38%

20–29

20%

30–44

13%

45–59

60+

Average commute

20.9 min

U.S. 26.4 min

Unemployment

3.7%

U.S. 5.2%

In labor force

60.5%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Healthcare

15%

Office and admin

12%

Sales

11%

Production

Transportation and moving

Construction and repair

Management

Education

Cleaning and personal care

Food service

Business and finance

Engineering and science

Legal and social services

Computer and math

Police and fire

Arts, media and sports

0.7%

Farming, fishing and forestry

0.2%

Industries

Health care and social assistance

20%

Manufacturing

17%

Retail

13%

Education

Finance, insurance and real estate

Restaurants and hotels

Construction

Transportation, warehousing and utilities

Admin, support and management

Other services

Professional and technical services

Public administration

Wholesale

Arts and recreation

Information

0.7%

Agriculture and mining

0.4%

Median earnings per worker

$42,503

U.S. $49,666

Self-employed

6.5%

U.S. 10%

Government workers

9.6%

U.S. 14.5%

Nonprofit workers

10.5%

U.S. 8.8%

Median earnings by type of work

Type of work	48706	U.S.
Management, business, science and arts	$61,692	$74,888
Service	$20,847	$26,804
Sales and office	$36,470	$40,476
Construction and maintenance	$61,792	$49,199
Production and transportation	$43,153	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

31%

Some college

26%

Associate's

11%

Bachelor's

15%

Graduate

High school graduate or higher: 92.8%
Bachelor's degree or higher: 24.7%
Graduate or professional degree: 9.2%
Households with broadband: 90.4%
Cable, fiber or DSL: 72%
No internet access: 7.2%
Without health insurance: 3.8%
Limited-English households: 0.6%

Geography

City (USPS): Bay City
State: Michigan
County: Bay County
Center point: 43.6038° N, 83.9554° W
Land area: 66 sq mi
Water area: 5.8 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Bay City6% of zip

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

Zip codes near 48706

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
48710	University Center, MI	3.6 mi	0	—	—
48631	Kawkawlin, MI	6.2 mi	3,681	$74,398	$172,200
48708	Bay City, MI	6.2 mi	25,635	$50,518	$107,700
48604	Saginaw, MI	7.2 mi	11,011	$53,042	$101,200
48611	Auburn, MI	7.4 mi	6,093	$87,963	$177,100
48732	Essexville, MI	8.3 mi	11,340	$57,903	$169,600
48707	Bay City, MI · PO box	9.3 mi	—	—	—
48724	Carrollton, MI	10 mi	1,229	$34,512	$66,100
48603	Saginaw, MI	11 mi	27,757	$66,352	$186,800
48623	Freeland, MI	11 mi	15,129	$101,250	$257,700
48605	Saginaw, MI · PO box	11 mi	—	—	—
48747	Munger, MI	11 mi	1,549	$81,458	$141,300

Zip codes like 48706 elsewhere

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

Questions about 48706

What city is zip code 48706?

48706 is assigned to Bay City, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 48706 in?

48706 is in Bay County, Michigan.

What is the population of 48706?

About 38,974 people live in 48706, according to the Census Bureau's American Community Survey.

What time zone is 48706 in?

48706 is in Eastern Time.

What is the median household income in 48706?

The median household income in 48706 is $62,747.

What zip codes are near 48706?

The closest zip codes to 48706 are 48710, 48631, 48708, 48604, 48611.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 48706, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.