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County ZIP codes · Michigan · FIPS 26017

Bay County, MI ZIP Codes

Bay County, Michigan has 18 ZIP codes (Census 2020 ZCTA-county file; GeoNames postal codes, October 2026): 17 residential and 1 for PO boxes or a single organization. 10 of the residential ones lie mainly in Bay County and 7 mainly in a neighboring county; 11 cross the county line. Median household income ranges from $50,518 in 48708 (Bay City) to $101,250 in 48623 (Freeland) (Census Bureau, ACS 2020-2024).

  • ACS2020-24
  • Census2020

Where are the ZIP codes of Bay County?

48604 · Saginaw: $53k48611 · Auburn: $88k48613 · Bentley: $59k48623 · Freeland: $101k48631 · Kawkawlin: $74k48634 · Linwood: $88k48642 · Midland: $78k48650 · Pinconning: $62k48652 · Rhodes: $70k48658 · Standish: $54k48659 · Sterling: $59k48706 · Bay City: $63k48708 · Bay City: $51k48710 · University Center: –48732 · Essexville: $58k48747 · Munger: $82k48757 · Reese: $74k4864248623486584865048659487064875748652486344861348708486044873248631486114874748604 · Saginaw: $53k48611 · Auburn: $88k48613 · Bentley: $59k48623 · Freeland: $101k48631 · Kawkawlin: $74k48634 · Linwood: $88k48642 · Midland: $78k48650 · Pinconning: $62k48652 · Rhodes: $70k48658 · Standish: $54k48659 · Sterling: $59k48706 · Bay City: $63k48708 · Bay City: $51k48710 · University Center: –48732 · Essexville: $58k48747 · Munger: $82k48757 · Reese: $74k4864248623486584865048659487064875748652486344861348708486044873248631486114874748604 · Saginaw: $53k48611 · Auburn: $88k48613 · Bentley: $59k48623 · Freeland: $101k48631 · Kawkawlin: $74k48634 · Linwood: $88k48642 · Midland: $78k48650 · Pinconning: $62k48652 · Rhodes: $70k48658 · Standish: $54k48659 · Sterling: $59k48706 · Bay City: $63k48708 · Bay City: $51k48710 · University Center: –48732 · Essexville: $58k48747 · Munger: $82k48757 · Reese: $74k4864248623486584865048659487064875748652486344861348708486044873248631
The residential ZIP codes of Bay County (whole outlines, including the parts in neighboring counties), shaded by median household income in national fifths (ACS 2020-2024). <$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 its ZIP codes?

The middle half of its ranked ZIP codes (1,000+ people living in households) report median household incomes between $57,903 and $74,398.

They carry 16 postal town names.

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

All 17 residential ZIP codes in Bay County

10 ZIP codes lie mainly in Bay County; 7 more reach into it from a neighboring county and follow the first table.

Residential ZIP codes mainly in Bay County, largest first; "In this county" is the share of the ZIP's land in the county
In this county
48706 Bay City 38,974 588 $63k $156k 100%
48708 Bay City 25,635 882 $51k $108k 94%
48732 Essexville 11,340 461 $58k $170k 100%
48650 Pinconning 6,510 68 $62k $152k 94%
48611 Auburn 6,093 160 $88k $177k 100%
48634 Linwood 4,334 89 $88k $167k 100%
48631 Kawkawlin 3,681 112 $74k $172k 100%
48747 Munger 1,549 49 $82k $141k 96%
48613 Bentley 1,081 21 $59k $161k 59%
48710 University Center no residents 0 – – 100%

Partly in Bay County

Residential ZIP codes mainly in another county that reach at least 1% into Bay County, by their share here
In this county
48652 Rhodes 1,832 31 $70k $172k 23%
48642 Midland 34,039 325 $78k $207k 16%
48623 Freeland 15,129 208 $101k $258k 12%
48658 Standish 4,694 58 $54k $122k 11%
48757 Reese 3,708 67 $74k $171k 7%
48604 Saginaw 11,011 419 $53k $101k 4%
48659 Sterling 2,563 34 $59k $146k 2%

Download the 18 ZIP codes as CSV

Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates; county shares by land area (Census 2020 ZCTA-county relationship file).

Which ZIP codes cross the county line?

11 ZIP codes of Bay County extend into another county. A ZIP code follows mail routes, not county borders.

Share of each ZIP code's land in Bay County and in the neighboring counties
ZIPIn BayElsewhere
4864216%Midland County 84%
4870894%Saginaw County 6%
4862312%Saginaw County 64%; Midland County 24%
486044%Saginaw County 96%
4865094%Arenac County 6%
4865811%Arenac County 89%
487577%Tuscola County 66%; Saginaw County 26%
486592%Arenac County 98%
4865223%Gladwin County 55%; Midland County 22%
4874796%Saginaw County 4%
4861359%Gladwin County 42%

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

PO Box and single-organization ZIP codes

ZIP codes in Bay County without a residential area (GeoNames postal codes)
ZIPPostal name
48707Bay City

Source: GeoNames postal codes (CC BY 4.0).

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

The first three digits of a ZIP code name the sectional center, the mail processing plant that sorts it. Bay County's ZIP codes use 2 prefixes: 486 and 487.

Three-digit prefixes of Bay County'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 County's
PrefixSectional centerHereAll codes
486 Metroplex, MI (SCF 480) 11 60
487 Metroplex, MI (SCF 480) 7 54

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