PlainZIP

Harsens Island, MI · standard

ZIP Code 48028

St. Clair County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

1,190
26/sq mi
$109,730
Median income
$390,800
Median home value
29.0%
Bachelor's or higher

The verdict

Harsens Island pairs an upper-quartile household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 14%
household income, US ZIPs
Top 22%
home value, US ZIPs
26
people per sq mi
98%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 48028 against every reporting US ZIP.

ZIP code 48028 is a sparsely populated ZIP (a standard USPS delivery area) in Harsens Island, St. Clair County, Michigan, home to just 1,190 residents across 46.3 square miles, a density of 26 people per square mile, in the Detroit time zone.

ZIP 48028 lands in the middle-income range, with a median household income of $109,730 (50% above the Michigan average), while per-capita income is $76,531. Local economic indicators show a 4.9% poverty rate alongside 2.0% unemployment. The typical home here is valued at $390,800 (78% above the state average); renters pay a median of - monthly, and 98.2% of units are owner-occupied.

Educational attainment sits below the national norm: 29.0% of adults hold a bachelor's degree or higher, the median age is 65.6, and the average commute is -. A geography-based comparison follows: 3 ZIP codes within about 10 miles of 48028, plus 6 more within St. Clair County, give a clearer read than the national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 48028

Top 5 sectors by establishment count in Harsens Island, MI

Which industries have the most business establishments in ZIP 48028.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 48028, Harsens Island, MI · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

1,190

Population

46.3

Area (sq mi)

26

People / sq mi

Detroit

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 48028?

65.6

Median Age

57.1%

Male

42.9%

Female

2.3%

Foreign-Born

White 98.6%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 1.4%
Hispanic or Latino 0.0%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$109,730

Median Household Income

+50% vs state

$76,531

Per Capita Income

4.9%

Poverty Rate

2.0%

Unemployment Rate

How ZIP 48028 ranks nationally

Harsens Island, MI household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$109,730 Top 14% higher than 86% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 49.4%
Bachelor's Degree or Higher 29.0%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

1,589

Total Housing Units

684

Occupied Units

905

Vacant Units

1.86

Avg Household Size

Occupancy Type

Owner 98.2%
Renter 1.8%

$390,800

Median Home Value

+78% vs state

1968

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

-1.4%

YoY Change (2023)

182

HPI Index (2000 = 100)

+82%

Total Change Since 2000

Home values in ZIP 48028 have decreased 1.4% over the past year (2023). Since 2000, this ZIP has seen +82% cumulative appreciation.

Year Annual Change HPI Index
2019 -1.1% 140
2020 +4.9% 146
2021 +5.3% 154
2022 +19.9% 185
2023 -1.4% 182

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2023. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 21 business establishments in ZIP 48028, employing approximately 57 people with a combined annual payroll of $4,618,000.

21

Businesses

57

Employees

$4.6M

Annual Payroll

4

Industry Sectors

Industry Establishments % of Total
Arts, entertainment, and recreation 6 28.6%
Construction 4 19.1%
Retail trade 4 19.1%
Accommodation and food services 3 14.3%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 48028 vs 48001 →

ZIP 48028 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 48028 ranks #4 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 48028 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 48028 ranks the highest of 4 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
48001 Algonac, MI 11,986 3.9 mi
48023 Fair Haven, MI 5,178 8.0 mi
48039 Marine City, MI 7,807 8.2 mi

More ZIP Codes in St. Clair County

48060 standard
Port Huron, MI
Pop: 40,831
48059 standard
Fort Gratiot, MI
Pop: 15,123
48079 standard
Saint Clair, MI
Pop: 12,304
48001 standard
Algonac, MI
Pop: 11,986
48040 standard
Marysville, MI
Pop: 9,956
48074 standard
Smiths Creek, MI
Pop: 9,356

Related Areas

St. Clair County Harsens Island, MI Michigan

Frequently Asked Questions

What county is ZIP code 48028 in? ▼
ZIP code 48028 (Harsens Island) is located in St. Clair County, Michigan. St. Clair County contains multiple ZIP codes, see the full list at /counties/st-clair-mi.
What is the population of ZIP code 48028? ▼
ZIP code 48028 in Harsens Island, MI has a population of 1,190 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 48028? ▼
The median household income in ZIP 48028 is $109,730, which is 44% above the national average of $76,288.
What is the average home value in ZIP 48028? ▼
The median home value in ZIP 48028 is $390,800, which is 40% above the national average of $278,155.
What is the demographic makeup of ZIP 48028? ▼
The largest racial group in ZIP 48028 is White at 98.6%.
How many businesses are in ZIP code 48028? ▼
ZIP code 48028 has 21 business establishments employing approximately 57 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 48028? ▼
The top industries by establishment count in ZIP 48028 are: Arts, entertainment, and recreation (6), Construction (4), Retail trade (4). There are 4 industry sectors represented in total.
How have home values changed in ZIP code 48028? ▼
According to the FHFA House Price Index, home values in ZIP 48028 decreased by 1.4% in 2023. Since 2000, home values in this ZIP have appreciated by approximately 82%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 48028? ▼
In ZIP code 48028, 49.4% of residents aged 25+ have a high school diploma or higher, and 29.0% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 48028? ▼
In ZIP code 48028, approximately 98.2% of occupied housing units are owner-occupied and 1.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 48028? ▼
The poverty rate in ZIP code 48028 is 4.9% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.