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 Moderate-density area
- $71,047
- Median income Near-median income area
- $197,500
- Median home value Near-median home value
- 14.4%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
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
- 43rd 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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 48074 (Smiths Creek, MI) rose +9.2% from 2023 to 2024. The all-transactions index moved from 158.4 in 2023 to 173.0 in 2024 (2000 = 100).
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 average Michigan ZIP), while per-capita income is $35,741. The poverty rate is 9.2%, with unemployment at 3.4%; those measures add context to the income figure. Median home value is $197,500 (10% below the average Michigan ZIP) and median rent is $1,150; 89.0% of occupied homes are owner-occupied.
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. The page also surfaces 8 ZIP codes within roughly 10 miles and 6 more in St. Clair County, so 48074 can be compared with both its immediate and county-level context.
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.
- Retail trade
Retail trade
24 establishments
- Construction
Construction
23 establishments
- Other services (except public administration)
Other services (except public administration)
23 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
13 establishments
- Accommodation and food services
Accommodation and food services
13 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, 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
Who lives in ZIP 48074?
40.6
Median Age
52.2%
Male
47.8%
Female
1.6%
Foreign-Born
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 ZIP avg
$35,741
Per Capita Income
9.2%
Poverty Rate
3.4%
Unemployment Rate
28.5 min
Mean Commute Time
How ZIP 48074 ranks among Michigan ZIPs
Smiths Creek, MI household income vs. every Michigan ZIP code
Median household income among 962 reporting Michigan ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$71,047 Top 46% higher than 54% of 962 Michigan ZIPs
Each bar is a $20K-wide band; taller bars hold more Michigan 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
3,855housing units
3,855
Total Housing Units
3,796
Occupied Units
59
Vacant Units
2.53
Avg Household Size
Occupancy Type
$197,500
Median Home Value
-10% vs state ZIP avg
$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.
- 48060
Port Huron (48060)
40,831 residents
- 48059 15,123
Fort Gratiot (48059)
15,123 residents
- 48079 12,304
Saint Clair (48079)
12,304 residents
- 48040 9,956
Marysville (48040)
9,956 residents
- 48074 9,356
Smiths Creek (48074)
9,356 residents
- 48049 5,582
North Street (48049)
5,582 residents
- 48063 4,070
Columbus (48063)
4,070 residents
- 48006 4,007
Avoca (48006)
4,007 residents
- 48027 3,249
Goodells (48027)
3,249 residents
What this shows Among its immediate neighbors, ZIP 48074 ranks #5 by population - useful context the national average alone can't give.
ZIP 48074 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 48063
Columbus (48063)
$93,844 median income
- 48027
Goodells (48027)
$90,417 median income
- 48049
North Street (48049)
$84,028 median income
- 48059
Fort Gratiot (48059)
$80,062 median income
- 48079
Saint Clair (48079)
$79,891 median income
- 48006
Avoca (48006)
$71,385 median income
- 48074
Smiths Creek (48074)
$71,047 median income
- 48040
Marysville (48040)
$66,901 median income
- 48060
Port Huron (48060)
$53,018 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 48074, both outside MI so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (9,356 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in St. Clair County
Related Areas
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.
Related
Take this with you
What to do with ZIP 48074's numbers, next.
- See how ZIP 48074 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Smiths Creek, MI ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.