County ZIP codes · Michigan · FIPS 26145
Saginaw County, MI ZIP Codes
Saginaw County, Michigan has 32 ZIP codes (Census 2020 ZCTA-county file; GeoNames postal codes, October 2026): 27 residential and 5 for PO boxes or a single organization. 19 of the residential ones lie mainly in Saginaw County and 8 mainly in a neighboring county; 17 cross the county line. Median household income ranges from $38,900 in 48601 (Saginaw) to $101,250 in 48623 (Freeland) (Census Bureau, ACS 2020-2024).
- ACS2020-24
- Census2020
Where are the ZIP codes of Saginaw County?
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 $65,865 and $78,218.
They carry 21 postal town names.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B19013).
All 27 residential ZIP codes in Saginaw County
19 ZIP codes lie mainly in Saginaw County; 8 more reach into it from a neighboring county and follow the first table.
| In this county | ||||||
|---|---|---|---|---|---|---|
| 48601 | Saginaw | 31,601 | 303 | $39k | $63k | 100% |
| 48603 | Saginaw | 27,757 | 1,523 | $66k | $187k | 100% |
| 48602 | Saginaw | 27,127 | 3,471 | $47k | $74k | 100% |
| 48623 | Freeland | 15,129 | 208 | $101k | $258k | 64% |
| 48638 | Saginaw | 12,875 | 1,968 | $70k | $173k | 100% |
| 48609 | Saginaw | 11,966 | 267 | $78k | $171k | 100% |
| 48604 | Saginaw | 11,011 | 419 | $53k | $101k | 96% |
| 48415 | Birch Run | 8,918 | 138 | $79k | $210k | 95% |
| 48734 | Frankenmuth | 7,746 | 195 | $91k | $305k | 90% |
| 48616 | Chesaning | 7,577 | 93 | $67k | $163k | 98% |
| 48626 | Hemlock | 5,766 | 88 | $84k | $224k | 88% |
| 48655 | Saint Charles | 5,760 | 61 | $66k | $176k | 100% |
| 48722 | Bridgeport | 3,127 | 179 | $67k | $140k | 100% |
| 48637 | Merrill | 3,024 | 43 | $66k | $159k | 69% |
| 48417 | Burt | 2,222 | 96 | $72k | $166k | 100% |
| 48649 | Oakley | 1,699 | 62 | $73k | $164k | 94% |
| 48607 | Saginaw | 1,614 | 1,695 | $38k | $74k | 100% |
| 48724 | Carrollton | 1,229 | 2,453 | $35k | $66k | 100% |
| 48614 | Brant | 943 | 27 | $63k | $153k | 95% |
Partly in Saginaw County
| In this county | ||||||
|---|---|---|---|---|---|---|
| 48460 | New Lothrop | 2,701 | 78 | $80k | $214k | 40% |
| 48457 | Montrose | 8,770 | 204 | $71k | $176k | 27% |
| 48757 | Reese | 3,708 | 67 | $74k | $171k | 26% |
| 48841 | Henderson | 729 | 31 | $60k | $164k | 21% |
| 48831 | Elsie | 3,088 | 42 | $63k | $161k | 21% |
| 48807 | Bannister | 658 | 26 | $61k | $108k | 20% |
| 48708 | Bay City | 25,635 | 882 | $51k | $108k | 6% |
| 48747 | Munger | 1,549 | 49 | $82k | $141k | 4% |
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?
17 ZIP codes of Saginaw County extend into another county. A ZIP code follows mail routes, not county borders.
| ZIP | In Saginaw | Elsewhere |
|---|---|---|
| 48708 | 6% | Bay County 94% |
| 48623 | 64% | Midland County 24%; Bay County 12% |
| 48604 | 96% | Bay County 4% |
| 48415 | 95% | Tuscola County 3%; Genesee County 2% |
| 48457 | 27% | Genesee County 73% |
| 48734 | 90% | Tuscola County 10% |
| 48616 | 98% | Shiawassee County 2% |
| 48626 | 88% | Midland County 12% |
| 48757 | 26% | Tuscola County 66%; Bay County 7% |
| 48831 | 21% | Clinton County 45%; Shiawassee County 33%; Gratiot County 2% |
| 48637 | 69% | Midland County 19%; Gratiot County 12% |
| 48460 | 40% | Shiawassee County 60% |
| 48649 | 94% | Shiawassee County 6% |
| 48747 | 4% | Bay County 96% |
| 48614 | 95% | Gratiot County 5% |
| 48841 | 21% | Shiawassee County 79% |
| 48807 | 20% | Gratiot County 80% |
Source: U.S. Census Bureau, 2020 ZCTA-county relationship file (shares of land area).
PO Box and single-organization ZIP codes
Source: GeoNames postal codes (CC BY 4.0).
Which first three digits do Saginaw County's ZIP codes use?
The first three digits of a ZIP code name the sectional center, the mail processing plant that sorts it. Saginaw County's ZIP codes use 4 prefixes: 484, 486, 487 and 488.
| Prefix | Sectional center | Here | All codes |
|---|---|---|---|
| 484 | Metroplex, MI (SCF 480) | 4 | 60 |
| 486 | Metroplex, MI (SCF 480) | 18 | 60 |
| 487 | Metroplex, MI (SCF 480) | 7 | 54 |
| 488 | Lansing, MI (SCF 488) | 3 | 88 |
Source: U.S. Postal Service, labeling list L005 (3-digit ZIP Code prefix groups, SCF sortation), effective October 1, 2026.