PlainZIP

Troy, MI · standard

ZIP Code 48085

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

24,660
1,022/sq mi
$146,390
Median income
$423,800
Median home value
62.2%
Bachelor's or higher

The verdict

Troy pairs a top-decile household income with upper-quartile home values, in a low-density, homeowner-dominated area.

Top 4%
household income, US ZIPs
Top 18%
home value, US ZIPs
1,022
people per sq mi
92%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 48085 against every reporting US ZIP.

ZIP code 48085 is a densely settled ZIP (a standard USPS delivery area) in Troy, Oakland County, Michigan, with 24,660 residents across 24.1 square miles, a density of 1,022 people per square mile, in the Detroit time zone.

ZIP 48085 skews affluent, with a median household income of $146,390 (100% above the Michigan average), while per-capita income is $56,909. 3.3% of residents live below the poverty line, and the unemployment rate reads 3.8%. On housing, the median home value is $423,800 (93% above the state average) with median rent at $2,620 per month, and 91.5% of occupied units are owner-occupied.

This is a highly-educated ZIP: 62.2% of adults hold a bachelor's degree or higher, the median age is 42.7, and the average commute is 24 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Oakland County, so you can benchmark 48085 against its immediate geography rather than a 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 48085

Top 5 sectors by establishment count in Troy, MI

Which industries have the most business establishments in ZIP 48085.

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 48085, Troy, 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

24,660

Population

24.1

Area (sq mi)

1,022

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 48085?

42.7

Median Age

52.1%

Male

47.9%

Female

27.6%

Foreign-Born

White 65.6%
African American 3.1%
Asian 25.2%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.6%
Hispanic or Latino 1.9%

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?

$146,390

Median Household Income

+100% vs state

$56,909

Per Capita Income

3.3%

Poverty Rate

3.8%

Unemployment Rate

24.2 min

Mean Commute Time

How ZIP 48085 ranks nationally

Troy, MI household income vs. every US ZIP code

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

$146,390 Top 4% higher than 96% 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%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). This entry sits in this band. $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 74.6%
Bachelor's Degree or Higher 62.2%

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

What does housing look like?

9,261

Total Housing Units

9,088

Occupied Units

173

Vacant Units

2.99

Avg Household Size

Occupancy Type

Owner 91.5%
Renter 8.5%

$423,800

Median Home Value

+93% vs state

$2,620

Median Rent

1977

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

+7.4%

YoY Change (2024)

190

HPI Index (2000 = 100)

+90%

Total Change Since 2000

Home values in ZIP 48085 have increased 7.4% over the past year (2024). Since 2000, this ZIP has seen +90% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.5% 134
2021 +10.3% 148
2022 +13.6% 168
2023 +5.0% 177
2024 +7.4% 190

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 568 business establishments in ZIP 48085, employing approximately 9,479 people with a combined annual payroll of $405,730,000.

568

Businesses

9,479

Employees

$405.7M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 121 21.3%
Professional, scientific, and technical services 101 17.8%
Retail trade 59 10.4%
Other services (except public administration) 56 9.9%
Accommodation and food services 49 8.6%
Finance and insurance 41 7.2%
Construction 36 6.3%
Administrative and support and waste management and remediation services 23 4.0%
Real estate and rental and leasing 20 3.5%
Transportation and warehousing 15 2.6%
Wholesale trade 11 1.9%
Educational services 11 1.9%
Manufacturing 10 1.8%
Information 7 1.2%
Arts, entertainment, and recreation 6 1.1%

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 48085 vs 48083 →

ZIP 48085 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 48085 ranks #6 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 48085 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 48085 ranks #2 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
48083 Troy, MI 22,507 3.0 mi
48098 Troy, MI 19,582 3.0 mi
48307 Rochester, MI 41,369 4.1 mi
48314 Sterling Heights, MI 20,245 3.4 mi
48310 Sterling Heights, MI 42,766 3.6 mi
48017 Clawson, MI 11,805 4.7 mi
48084 Troy, MI 14,231 4.0 mi
48071 Madison Heights, MI 29,694 6.5 mi
48317 Utica, MI 26,610 4.7 mi
48313 Sterling Heights, MI 33,952 6.0 mi

More ZIP Codes in Oakland County

48307 standard
Rochester, MI
Pop: 41,369
48073 standard
Royal Oak, MI
Pop: 32,798
48322 standard
West Bloomfield, MI
Pop: 31,265
48071 standard
Madison Heights, MI
Pop: 29,694
48237 standard
Oak Park, MI
Pop: 29,319
48309 standard
Rochester, MI
Pop: 29,135

Related Areas

Oakland County Troy, MI Michigan

Frequently Asked Questions

What county is ZIP code 48085 in? ▼
ZIP code 48085 (Troy) is located in Oakland County, Michigan. Oakland County contains multiple ZIP codes, see the full list at /counties/oakland-mi.
What is the population of ZIP code 48085? ▼
ZIP code 48085 in Troy, MI has a population of 24,660 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 48085? ▼
The median household income in ZIP 48085 is $146,390, which is 92% above the national average of $76,288.
What is the average home value in ZIP 48085? ▼
The median home value in ZIP 48085 is $423,800, which is 52% above the national average of $278,155.
What is the demographic makeup of ZIP 48085? ▼
The largest racial group in ZIP 48085 is White at 65.6%. Hispanic or Latino residents make up 1.9% of the population.
How many businesses are in ZIP code 48085? ▼
ZIP code 48085 has 568 business establishments employing approximately 9,479 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 48085? ▼
The top industries by establishment count in ZIP 48085 are: Health care and social assistance (121), Professional, scientific, and technical services (101), Retail trade (59). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 48085? ▼
According to the FHFA House Price Index, home values in ZIP 48085 increased by 7.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 90%. 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 48085? ▼
In ZIP code 48085, 74.6% of residents aged 25+ have a high school diploma or higher, and 62.2% 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 48085? ▼
The mean commute time for workers in ZIP code 48085 is 24.2 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 48085? ▼
In ZIP code 48085, approximately 91.5% of occupied housing units are owner-occupied and 8.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 48085? ▼
The poverty rate in ZIP code 48085 is 3.3% 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.