Zip code 48708: Bay City, Michigan

Q: What city is zip code 48708?

48708 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 48708 in?

48708 is mostly in Bay County, but it extends into 1 other county.

Q: What is the population of 48708?

About 25,635 people live in 48708, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 48708?

The median household income in 48708 is $50,518.

Q: What zip codes are near 48708?

The closest zip codes to 48708 are 48732, 48747, 48706, 48710, 48604.

Residential delivery areaBay CountyEastern Time

Population

25,635

Median household income

$51K

U.S. $81K

Median home value

$108K

U.S. $333K

Median rent

$751/mo

U.S. $1,413

Median age

41.9

U.S. 38.9

Land area

29 sq mi

882 people/sq mi

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

About 48708

48708 is a suburban zip code in Bay City, Michigan (Bay County), covering 29 sq mi of land. About 25,635 people live here, or 882 per square mile. The median resident is 41.9 years old, compared with 38.9 nationally.

The median household earns $50,518 a year, 37% below the national median of $80,734. 18.3% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $107,700, or 2.1 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 70% of occupied homes are lived in by their owners, and renters pay a median of $751 a month.

18% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 23.6 minutes each way, and 8% of workers work from home. The most common jobs among working residents are in healthcare; office and administrative support; and sales.

How 48708 compares

Sorted from highest to lowest national percentile

Healthcare workers15.7%
96th
U.S. 9.7% · MI 10.1%51st of 961 in MI
Poverty rate18.3%
80th
WeaknessU.S. 12.5% · MI 13.2%174th of 959 in MI
Unemployment rate6.8%
78th
U.S. 5.2% · MI 5.7%228th of 961 in MI
Median age41.9
71st
U.S. 38.9 · MI 40.2568th of 962 in MI
Income inequality (Gini)0.459
69th
U.S. 0.483 · MI 0.465190th of 958 in MI
Residents 65 and older18.9%
67th
U.S. 17.2% · MI 18.6%572nd of 962 in MI
Veterans7%
66th
U.S. 6.2% · MI 5.8%431st of 962 in MI
Housing vacancy8.6%
64th
U.S. 10.1% · MI 11.8%539th of 958 in MI
Homeownership rate70.1%
54th
U.S. 65.2% · MI 73.2%796th of 958 in MI
Uninsured rate6.3%
45th
U.S. 8.4% · MI 4.9%261st of 961 in MI
Population density882/sq mi
42nd
U.S. 95/sq mi · MI 178/sq mi223rd of 962 in MI
Population25,635
41st
U.S. 334,922,499 · MI 10,077,761126th of 962 in MI
Average commute23.6 min
34th
U.S. 26.4 min · MI 24.2 min610th of 941 in MI
Rent-burdened renters46.5%
34th
U.S. 51.1% · MI 50.4%454th of 931 in MI
Self-employed workers7.7%
28th
U.S. 10% · MI 8.6%639th of 961 in MI
Diversity index33.3
27th
U.S. 61.4 · MI 45.3241st of 962 in MI
Tech workers1.7%
27th
U.S. 3.8% · MI 3.1%459th of 961 in MI
Government workers10.5%
23rd
U.S. 14.5% · MI 11.6%564th of 961 in MI
Residents under 1818.6%
22nd
U.S. 22% · MI 21.2%619th of 962 in MI
Per capita income$30,952
21st
U.S. $44,673 · MI $40,735728th of 962 in MI
Work from home7.9%
21st
U.S. 15.1% · MI 13.5%631st of 961 in MI
Bachelor's degree or higher17.8%
15th
WeaknessU.S. 35.7% · MI 32.4%645th of 961 in MI
Foreign-born residents2.3%
14th
U.S. 14.1% · MI 7.2%402nd of 962 in MI
Median household income$50,518
9th
WeaknessU.S. $80,734 · MI $72,875832nd of 952 in MI
Broadband access83.6%
9th
WeaknessU.S. 91% · MI 90.5%748th of 958 in MI
Median earnings per worker$35,023
8th
WeaknessU.S. $49,666 · MI $47,178851st of 960 in MI
Median gross rent$751
4th
U.S. $1,413 · MI $1,129726th of 851 in MI
Median home value$107,700
3rd
U.S. $332,700 · MI $231,600883rd of 946 in MI

Measure	48708	Bay	MI	U.S.	National percentile	Rank in MI
Healthcare workers	15.7%	13.7%	10.1%	9.7%	96th	51st of 961
Poverty rateWeakness	18.3%	13.2%	13.2%	12.5%	80th	174th of 959
Unemployment rate	6.8%	4.3%	5.7%	5.2%	78th	228th of 961
Median age	41.9	43.9	40.2	38.9	71st	568th of 962
Income inequality (Gini)	0.459	0.434	0.465	0.483	69th	190th of 958
Residents 65 and older	18.9%	21.9%	18.6%	17.2%	67th	572nd of 962
Veterans	7%	7.5%	5.8%	6.2%	66th	431st of 962
Housing vacancy	8.6%	7.3%	11.8%	10.1%	64th	539th of 958
Homeownership rate	70.1%	77%	73.2%	65.2%	54th	796th of 958
Uninsured rate	6.3%	4.4%	4.9%	8.4%	45th	261st of 961
Population density	882/sq mi	233/sq mi	178/sq mi	95/sq mi	42nd	223rd of 962
Population	25,635	103,008	10,077,761	334,922,499	41st	126th of 962
Average commute	23.6 min	23.1 min	24.2 min	26.4 min	34th	610th of 941
Rent-burdened renters	46.5%	42.9%	50.4%	51.1%	34th	454th of 931
Self-employed workers	7.7%	7.6%	8.6%	10%	28th	639th of 961
Diversity index	33.3	21.7	45.3	61.4	27th	241st of 962
Tech workers	1.7%	1.7%	3.1%	3.8%	27th	459th of 961
Government workers	10.5%	9.7%	11.6%	14.5%	23rd	564th of 961
Residents under 18	18.6%	19.6%	21.2%	22%	22nd	619th of 962
Per capita income	$30,952	$35,602	$40,735	$44,673	21st	728th of 962
Work from home	7.9%	8.6%	13.5%	15.1%	21st	631st of 961
Bachelor's degree or higherWeakness	17.8%	22.1%	32.4%	35.7%	15th	645th of 961
Foreign-born residents	2.3%	1.3%	7.2%	14.1%	14th	402nd of 962
Median household incomeWeakness	$50,518	$61,763	$72,875	$80,734	9th	832nd of 952
Broadband accessWeakness	83.6%	88.2%	90.5%	91%	9th	748th of 958
Median earnings per workerWeakness	$35,023	$41,672	$47,178	$49,666	8th	851st of 960
Median gross rent	$751	$860	$1,129	$1,413	4th	726th of 851
Median home value	$107,700	$152,200	$231,600	$332,700	3rd	883rd of 946

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

14%

5–17

18–24

14%

25–34

12%

35–44

13%

45–54

14%

55–64

11%

65–74

75+

Median age

41.9

Under 18

18.6%

65 and over

18.9%

Race and ethnicity

White81%
Black2%
Hispanic12%
Asian0.8%
Native American0.2%
Pacific Islander0.0%
Other0.3%
Multiracial4%

Diversity index

33.3

U.S. 61.4

Foreign-born

2.3%

U.S. 14.1%

Born in state

85.5%

Language spoken at home (households)

English only

95%

Spanish

Other Indo-European

Asian / Pacific

0.3%

Other

0.5%

Households

Households: 11,364
Average household size: 2.2
Family households: 52.4%
Married couples: 34.9%
Living alone: 41.6%
Veterans (of adults): 7%
Male / female: 49% / 51%

Income and poverty

Household income distribution

<$25k

26%

$25–50k

24%

$50–75k

20%

$75–100k

12%

$100–150k

11%

$150–200k

$200k+

Median household income

48708

$50,518

Bay Co.

$61,763

Michigan

$72,875

United States

$80,734

Per capita income

$30,952

U.S. $44,673

Poverty rate

18.3%

U.S. 12.5%

Households earning $150K+

8.1%

U.S. 23%

Income inequality (Gini)

0.459

U.S. 0.483

Housing

Median home value

48708

$107,700

Bay Co.

$152,200

Michigan

$231,600

United States

$332,700

Median gross rent

48708

$751

Bay Co.

$860

Michigan

$1,129

United States

$1,413

Types of housing

Single-family

78%

2–4 units

10%

5–19 units

20+ units

Mobile home

0.5%

Boat, RV, van

Housing units: 12,437
Owner-occupied: 70.1%
Vacant: 8.6%
Median year built: 1945
Median rooms: 5.6
Renters paying 30%+ of income: 46.5%
Renters paying 50%+ of income: 17.1%
Home value to income: 2.1× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

79%

Carpooled

Transit

0.5%

Walked

Bicycle

0.2%

Worked from home

Other

Commute time (one way)

<10 min

17%

10–19

31%

20–29

22%

30–44

19%

45–59

60+

Average commute

23.6 min

U.S. 26.4 min

Unemployment

6.8%

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

16%

Office and admin

12%

Sales

11%

Food service

Management

Transportation and moving

Production

Cleaning and personal care

Construction and repair

Business and finance

Education

Engineering and science

Legal and social services

Computer and math

Police and fire

Arts, media and sports

Farming, fishing and forestry

Industries

Health care and social assistance

21%

Retail

16%

Manufacturing

11%

Restaurants and hotels

11%

Other services

Education

Finance, insurance and real estate

Construction

Admin, support and management

Transportation, warehousing and utilities

Professional and technical services

Public administration

Arts and recreation

Agriculture and mining

Wholesale

Information

Median earnings per worker

$35,023

U.S. $49,666

Self-employed

7.7%

U.S. 10%

Government workers

10.5%

U.S. 14.5%

Nonprofit workers

13%

U.S. 8.8%

Median earnings by type of work

Type of work	48708	U.S.
Management, business, science and arts	$57,798	$74,888
Service	$21,636	$26,804
Sales and office	$32,194	$40,476
Construction and maintenance	$45,884	$49,199
Production and transportation	$35,367	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

11%

High school

34%

Some college

27%

Associate's

10%

Bachelor's

12%

Graduate

High school graduate or higher: 89.3%
Bachelor's degree or higher: 17.8%
Graduate or professional degree: 5.7%
Households with broadband: 83.6%
Cable, fiber or DSL: 69.9%
No internet access: 11.9%
Without health insurance: 6.3%
Limited-English households: 0.1%

Geography

City (USPS): Bay City
State: Michigan
County: Bay County
Center point: 43.5571° N, 83.8497° W
Land area: 29 sq mi
Water area: 2.1 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

48708 spans 2 counties

Bay County94% of land
Saginaw County6% of land

Cities and towns within this zip

Bay City21% of zip

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

Zip codes near 48708

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
48732	Essexville, MI	4.9 mi	11,340	$57,903	$169,600
48747	Munger, MI	5 mi	1,549	$81,458	$141,300
48706	Bay City, MI	6.2 mi	38,974	$62,747	$155,800
48710	University Center, MI	6.9 mi	0	—	—
48604	Saginaw, MI	7.2 mi	11,011	$53,042	$101,200
48724	Carrollton, MI	7.9 mi	1,229	$34,512	$66,100
48607	Saginaw, MI	9.6 mi	1,614	$37,973	$73,800
48757	Reese, MI	11 mi	3,708	$73,832	$171,400
48663	Saginaw, MI · PO box	11 mi	—	—	—
48603	Saginaw, MI	11 mi	27,757	$66,352	$186,800
48602	Saginaw, MI	11 mi	27,127	$46,984	$73,600
48601	Saginaw, MI	11 mi	31,601	$38,900	$62,800

Zip codes like 48708 elsewhere

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

Questions about 48708

What city is zip code 48708?

48708 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 48708 in?

48708 is mostly in Bay County, but it extends into 1 other county.

What is the population of 48708?

About 25,635 people live in 48708, according to the Census Bureau's American Community Survey.

What time zone is 48708 in?

48708 is in Eastern Time.

What is the median household income in 48708?

The median household income in 48708 is $50,518.

What zip codes are near 48708?

The closest zip codes to 48708 are 48732, 48747, 48706, 48710, 48604.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 48708, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.