Ray, MI · standard
ZIP Code 48096
Macomb County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 3,739
- 40/sq mi Moderate-density area
- $117,917
- Median income Above-median income area
- $377,700
- Median home value Above-median home value
- 20.8%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Ray pairs a top-decile household income with upper-quartile home values, in a rural, homeowner-dominated area.
- Top 10%
- household income, US ZIPs
- Top 23%
- home value, US ZIPs
- 40
- people per sq mi
- 87%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 48096 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 48096 (Ray, MI) fell -1.7% from 2023 to 2024. The all-transactions index moved from 184.6 in 2023 to 181.5 in 2024 (2000 = 100).
ZIP code 48096 covers 94.7 square miles in Ray, Macomb County, Michigan (a standard USPS delivery area), with a modest 3,739 residents on file, a density of 40 people per square mile, in the Detroit time zone.
ZIP 48096 skews affluent, with a median household income of $117,917 (61% above the average Michigan ZIP), while per-capita income is $50,215. Both reported hardship measures are comparatively low in absolute terms: poverty is 6.4% and unemployment is 0.9%. Housing is both higher-cost and owner-heavy: median home value is $377,700 (72% above the average Michigan ZIP), while 86.5% of occupied homes are owner-occupied and median rent is $1,259.
Educational attainment sits below the national norm: 20.8% of adults hold a bachelor's degree or higher, the median age is 48.9, and the average commute is 33 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Macomb County, so 48096 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 48096
Top 5 sectors by establishment count in Ray, MI
Which industries have the most business establishments in ZIP 48096.
- Construction
Construction
38 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
24 establishments
- Retail trade 11
Retail trade
11 establishments
- Other services (except public administration) 8
Other services (except public administration)
8 establishments
- Professional, scientific, and technical services 6
Professional, scientific, and technical services
6 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 48096, Ray, 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
3,739
Population
94.7
Area (sq mi)
40
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 48096?
48.9
Median Age
53.0%
Male
47.0%
Female
4.3%
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?
$117,917
Median Household Income
+61% vs state ZIP avg
$50,215
Per Capita Income
6.4%
Poverty Rate
0.9%
Unemployment Rate
32.5 min
Mean Commute Time
How ZIP 48096 ranks among Michigan ZIPs
Ray, 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)
$117,917 Top 5% higher than 95% 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
1,673housing units
1,673
Total Housing Units
1,625
Occupied Units
48
Vacant Units
2.31
Avg Household Size
Occupancy Type
$377,700
Median Home Value
+72% vs state ZIP avg
$1,259
Median Rent
1972
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
-1.7%
YoY Change (2024)
181
HPI Index (2000 = 100)
+81%
Total Change Since 2000
Home values in ZIP 48096 have decreased 1.7% over the past year (2024). Since 2000, this ZIP has seen +81% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.7% | 143 |
| 2021 | +9.8% | 158 |
| 2022 | +12.1% | 177 |
| 2023 | +4.5% | 185 |
| 2024 | -1.7% | 181 |
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 109 business establishments in ZIP 48096, employing approximately 691 people with a combined annual payroll of $58,766,000.
109
Businesses
691
Employees
$58.8M
Annual Payroll
9
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 38 | 34.9% |
| Administrative and support and waste management and remediation services | 24 | 22.0% |
| Retail trade | 11 | 10.1% |
| Other services (except public administration) | 8 | 7.3% |
| Professional, scientific, and technical services | 6 | 5.5% |
| Transportation and warehousing | 5 | 4.6% |
| Health care and social assistance | 5 | 4.6% |
| Wholesale trade | 4 | 3.7% |
| Arts, entertainment, and recreation | 4 | 3.7% |
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 48096 vs 48042 →
ZIP 48096 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 48044
Macomb (48044)
52,289 residents
- 48042
Macomb (48042)
27,291 residents
- 48315
Utica (48315)
26,563 residents
- 48094 18,028
Washington (48094)
18,028 residents
- 48051 17,319
New Baltimore (48051)
17,319 residents
- 48065 10,547
Romeo (48065)
10,547 residents
- 48048 7,548
New Haven (48048)
7,548 residents
- 48005 5,379
Armada (48005)
5,379 residents
- 48095 4,906
Washington (48095)
4,906 residents
What this shows Among its immediate neighbors, ZIP 48096 ranks #0 by population - useful context the national average alone can't give.
ZIP 48096 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 48042
Macomb (48042)
$126,667 median income
- 48096
Ray (48096)
$117,917 median income
- 48044
Macomb (48044)
$117,856 median income
- 48095
Washington (48095)
$107,393 median income
- 48065
Romeo (48065)
$106,053 median income
- 48005
Armada (48005)
$105,734 median income
- 48315
Utica (48315)
$100,684 median income
- 48094
Washington (48094)
$98,017 median income
- 48050
New Haven (48050)
$91,136 median income
What this shows By household income, ZIP 48096 ranks #2 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 48042 | Macomb, MI | 27,291 | 5.2 mi |
| 48005 | Armada, MI | 5,379 | 6.1 mi |
| 48044 | Macomb, MI | 52,289 | 7.7 mi |
| 48095 | Washington, MI | 4,906 | 6.1 mi |
| 48048 | New Haven, MI | 7,548 | 6.3 mi |
| 48094 | Washington, MI | 18,028 | 6.2 mi |
| 48050 | New Haven, MI | 1,653 | 6.2 mi |
| 48315 | Utica, MI | 26,563 | 7.2 mi |
| 48051 | New Baltimore, MI | 17,319 | 6.9 mi |
| 48065 | Romeo, MI | 10,547 | 8.4 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 48096, 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 (3,739 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Macomb County
Related Areas
Frequently Asked Questions
What county is ZIP code 48096 in?
ZIP code 48096 (Ray) is located in Macomb County, Michigan. Macomb County contains multiple ZIP codes, see the full list at /counties/macomb-mi.
What is the population of ZIP code 48096?
ZIP code 48096 in Ray, MI has a population of 3,739 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 48096?
The median household income in ZIP 48096 is $117,917, which is 55% above the national average of $76,288.
What is the average home value in ZIP 48096?
The median home value in ZIP 48096 is $377,700, which is 36% above the national average of $278,155.
What is the demographic makeup of ZIP 48096?
The largest racial group in ZIP 48096 is White at 92.4%. Hispanic or Latino residents make up 3.4% of the population.
How many businesses are in ZIP code 48096?
ZIP code 48096 has 109 business establishments employing approximately 691 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 48096?
The top industries by establishment count in ZIP 48096 are: Construction (38), Administrative and support and waste management and remediation services (24), Retail trade (11). There are 9 industry sectors represented in total.
How have home values changed in ZIP code 48096?
According to the FHFA House Price Index, home values in ZIP 48096 decreased by 1.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 81%. 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 48096?
In ZIP code 48096, 48.5% of residents aged 25+ have a high school diploma or higher, and 20.8% 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 48096?
The mean commute time for workers in ZIP code 48096 is 32.5 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 48096?
In ZIP code 48096, approximately 86.5% of occupied housing units are owner-occupied and 13.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 48096?
The poverty rate in ZIP code 48096 is 6.4% 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 48096's numbers, next.
- See how ZIP 48096 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Ray, MI ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.