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City ZIP codes · Michigan

Bay City, MI ZIP Codes

3 ZIP codes use the postal name Bay City, Michigan (Census 2020 ZCTAs and GeoNames postal codes, October 2026): 2 residential and 1 for PO boxes or a single organization. Median household income runs from $50,518 in 48708 to $62,747 in 48706, 1.2 times as much (Census Bureau, ACS 2020-2024). Bay City's most populous ZIP code is 48706, with 38,974 people (ACS 2020-2024); 6% of its land is in the city of Bay City.

  • ACS2020-24
  • Census2020
  • GeoNames2026

Where are Bay City's ZIP codes?

48706: $63k median household income48708: $51k median household income487064870848706: $63k median household income48708: $51k median household income487064870848706: $63k median household income48708: $51k median household income4870648708
The 2 residential ZIP codes named Bay City, shaded by median household income in national fifths (ACS 2020-2024). Select a ZIP to open it. <$54.1k$98.1k+no figure

Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries; ACS 2020-2024 5-year estimates (B19013).

How different are Bay City's ZIP codes?

The highest median household income is in 48706 ($62,747), the lowest in 48708 ($50,518). Home values run from $107,700 in 48708 to $155,800 in 48706.

Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B19013, B25077, B01003).

All 2 residential ZIP codes of Bay City

Residential ZIP codes with the postal name Bay City, MI, largest first (ACS 2020-2024); sort by any column
County
48706 Bay County 38,974 588 $63k $156k
48708 Bay County 25,635 882 $51k $108k

Download the 3 ZIP codes as CSV

Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates; 2023 Gazetteer land areas (2020 ZCTAs); town names from simplemaps US ZIP Codes (CC BY 4.0) and GeoNames (CC BY 4.0).

PO Box and single-organization ZIP codes in Bay City

1 ZIP code named Bay City has no residential delivery area: post office boxes, or one organization (a large employer, an agency, a university) with its own code. The Census Bureau publishes no figures for them.

Bay City, MI: ZIP codes without a residential area, for PO boxes or one organization (GeoNames postal codes; USPS does not publish openly which is which)
ZIPCounty
48707Bay County

Source: GeoNames postal codes (CC BY 4.0); a ZIP code with no Census ZCTA has no residential delivery area.

Which counties do Bay City's ZIP codes reach?

Bay City's residential ZIP codes lie in 2 counties: Bay County (2 ZIP codes mainly there), Saginaw County (part of a ZIP code).

Which first three digits do Bay City's ZIP codes use?

The first three digits of a ZIP code name the sectional center, the mail processing plant that sorts it. Every ZIP code of Bay City starts with 487.

Three-digit prefixes of Bay City's ZIP codes, the sectional center for each (USPS labeling list L005, effective October 1, 2026) and how many of the prefix's codes are Bay City's
PrefixSectional centerHereAll codes
487 Metroplex, MI (SCF 480) 3 54

Source: U.S. Postal Service, labeling list L005 (3-digit ZIP Code prefix groups, SCF sortation), effective October 1, 2026.