PlainZIP

Smiths Creek, MI · standard

ZIP Code 48074

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

9,356
97/sq mi
$71,047
Median income
$197,500
Median home value
14.4%
Bachelor's or higher

The verdict

Smiths Creek pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

48th pct
household income, US ZIPs
43th pct
home value, US ZIPs
97
people per sq mi
89%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 48074 against every reporting US ZIP.

ZIP code 48074 is a mid-sized community (a standard USPS delivery area) in Smiths Creek, St. Clair County, Michigan, home to 9,356 residents across 96.1 square miles, a density of 97 people per square mile, in the Detroit time zone.

ZIP 48074 lands in the middle-income range, with a median household income of $71,047 (3% below the Michigan average), while per-capita income is $35,741. Poverty here runs at 9.2%, with unemployment measured at 3.4%. Median home value sits at $197,500 (10% below the state average), median rent at $1,150 a month, and owner-occupancy at 89.0%.

Formal educational attainment runs low here: just 14.4% of adults hold a bachelor's degree or higher, the median age is 40.6, and the average commute is 29 minutes. To put 48074 in local context, 8 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in St. Clair County, for a geography-aware comparison.

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 48074

Top 5 sectors by establishment count in Smiths Creek, MI

Which industries have the most business establishments in ZIP 48074.

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 48074, Smiths Creek, 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

9,356

Population

96.1

Area (sq mi)

97

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 48074?

40.6

Median Age

52.2%

Male

47.8%

Female

1.6%

Foreign-Born

White 89.1%
African American 0.3%
Asian 0.2%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.8%
Hispanic or Latino 7.3%

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?

$71,047

Median Household Income

-3% vs state

$35,741

Per Capita Income

9.2%

Poverty Rate

3.4%

Unemployment Rate

28.5 min

Mean Commute Time

How ZIP 48074 ranks nationally

Smiths Creek, MI household income vs. every US ZIP code

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

$71,047 48th percentile higher than 48% 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%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $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 51.8%
Bachelor's Degree or Higher 14.4%

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

What does housing look like?

3,855

Total Housing Units

3,796

Occupied Units

59

Vacant Units

2.53

Avg Household Size

Occupancy Type

Owner 89.0%
Renter 11.0%

$197,500

Median Home Value

-10% vs state

$1,150

Median Rent

1983

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

+9.2%

YoY Change (2024)

173

HPI Index (2000 = 100)

+73%

Total Change Since 2000

Home values in ZIP 48074 have increased 9.2% over the past year (2024). Since 2000, this ZIP has seen +73% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.1% 128
2021 +10.7% 141
2022 +10.8% 156
2023 +1.3% 158
2024 +9.2% 173

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 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 151 business establishments in ZIP 48074, employing approximately 1,287 people with a combined annual payroll of $56,765,000.

151

Businesses

1,287

Employees

$56.8M

Annual Payroll

12

Industry Sectors

Industry Establishments % of Total
Retail trade 24 15.9%
Construction 23 15.2%
Other services (except public administration) 23 15.2%
Professional, scientific, and technical services 13 8.6%
Accommodation and food services 13 8.6%
Administrative and support and waste management and remediation services 12 8.0%
Transportation and warehousing 10 6.6%
Manufacturing 9 6.0%
Health care and social assistance 9 6.0%
Wholesale trade 5 3.3%
Finance and insurance 5 3.3%
Real estate and rental and leasing 3 2.0%

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 48074 vs 48049 →

ZIP 48074 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 48074 ranks #5 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 48074 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 48074 ranks #7 of 9 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
48049 North Street, MI 5,582 6.1 mi
48079 Saint Clair, MI 12,304 6.3 mi
48040 Marysville, MI 9,956 4.9 mi
48027 Goodells, MI 3,249 6.1 mi
48060 Port Huron, MI 40,831 5.4 mi
48059 Fort Gratiot, MI 15,123 9.8 mi
48063 Columbus, MI 4,070 8.6 mi
48006 Avoca, MI 4,007 11.1 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
48039 standard
Marine City, MI
Pop: 7,807

Related Areas

St. Clair County Smiths Creek, MI Michigan

Frequently Asked Questions

What county is ZIP code 48074 in? ▼
ZIP code 48074 (Smiths Creek) 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 48074? ▼
ZIP code 48074 in Smiths Creek, MI has a population of 9,356 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 48074? ▼
The median household income in ZIP 48074 is $71,047, which is 7% below the national average of $76,288.
What is the average home value in ZIP 48074? ▼
The median home value in ZIP 48074 is $197,500, which is 29% below the national average of $278,155.
What is the demographic makeup of ZIP 48074? ▼
The largest racial group in ZIP 48074 is White at 89.1%. Hispanic or Latino residents make up 7.3% of the population.
How many businesses are in ZIP code 48074? ▼
ZIP code 48074 has 151 business establishments employing approximately 1,287 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 48074? ▼
The top industries by establishment count in ZIP 48074 are: Retail trade (24), Construction (23), Other services (except public administration) (23). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 48074? ▼
According to the FHFA House Price Index, home values in ZIP 48074 increased by 9.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 73%. 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 48074? ▼
In ZIP code 48074, 51.8% of residents aged 25+ have a high school diploma or higher, and 14.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 48074? ▼
The mean commute time for workers in ZIP code 48074 is 28.5 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 48074? ▼
In ZIP code 48074, approximately 89.0% of occupied housing units are owner-occupied and 11.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 48074? ▼
The poverty rate in ZIP code 48074 is 9.2% 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.