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City ZIP codes · Michigan

Saginaw, MI ZIP Codes

11 ZIP codes use the postal name Saginaw, Michigan (Census 2020 ZCTAs and GeoNames postal codes, October 2026): 7 residential and 4 for PO boxes or a single organization. Median household income runs from $38,900 in 48601 to $78,218 in 48609, 2.0 times as much (Census Bureau, ACS 2020-2024). Saginaw's most populous ZIP code is 48601, with 31,601 people (ACS 2020-2024); 8% of its land is in the city of Saginaw.

  • ACS2020-24
  • Census2020
  • GeoNames2026

Where are Saginaw's ZIP codes?

48601: $39k median household income48602: $47k median household income48603: $66k median household income48604: $53k median household income48607: $38k median household income48609: $78k median household income48638: $70k median household income48601486094860448603486024863848601: $39k median household income48602: $47k median household income48603: $66k median household income48604: $53k median household income48607: $38k median household income48609: $78k median household income48638: $70k median household income48601486094860448603486024863848601: $39k median household income48602: $47k median household income48603: $66k median household income48604: $53k median household income48607: $38k median household income48609: $78k median household income48638: $70k median household income4860148609486044860348602
The 7 residential ZIP codes named Saginaw, 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 Saginaw's ZIP codes?

The highest median household income is in 48609 ($78,218), the lowest in 48601 ($38,900). Home values run from $62,800 in 48601 to $186,800 in 48603.

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

All 7 residential ZIP codes of Saginaw

Residential ZIP codes with the postal name Saginaw, MI, largest first (ACS 2020-2024); sort by any column
County
48601 Saginaw County 31,601 303 $39k $63k
48603 Saginaw County 27,757 1,523 $66k $187k
48602 Saginaw County 27,127 3,471 $47k $74k
48638 Saginaw County 12,875 1,968 $70k $173k
48609 Saginaw County 11,966 267 $78k $171k
48604 Saginaw County 11,011 419 $53k $101k
48607 Saginaw County 1,614 1,695 $38k $74k

Download the 11 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 Saginaw

4 ZIP codes named Saginaw have 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.

Saginaw, 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
48605Saginaw County
48606Saginaw County
48608Saginaw County
48663Saginaw County

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

Which counties do Saginaw's ZIP codes reach?

Saginaw's residential ZIP codes lie in 2 counties: Saginaw County (7 ZIP codes mainly there), Bay County (part of a ZIP code).

Which places do Saginaw's ZIP codes cover?

A postal name is not a city limit. By the Census Bureau's places, Saginaw's residential ZIP codes cover Saginaw itself and 4 other places, each listed with the ZIP codes that have at least 5% of their land in it or hold most of the place:

  • Buena Vista census-designated 48601
  • Robin Glen-Indiantown census-designated 48601
  • Shields census-designated 48609
  • Zilwaukee 48604

Source: U.S. Census Bureau, 2020 ZCTA-to-place relationship file (shares of land).

Which first three digits do Saginaw'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 Saginaw starts with 486.

Three-digit prefixes of Saginaw'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 Saginaw's
PrefixSectional centerHereAll codes
486 Metroplex, MI (SCF 480) 11 60

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