PlainZIP

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
$117,917
Median income
$377,700
Median home value
20.8%
Bachelor's or higher

The verdict

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.

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 Michigan average), while per-capita income is $50,215. Poverty here runs at 6.4%, with unemployment measured at 0.9%. Median home value sits at $377,700 (72% above the state average), median rent at $1,259 a month, and owner-occupancy at 86.5%.

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. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 48096, plus 6 more within Macomb 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 48096

Top 5 sectors by establishment count in Ray, MI

Which industries have the most business establishments in ZIP 48096.

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 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

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 48096?

48.9

Median Age

53.0%

Male

47.0%

Female

4.3%

Foreign-Born

White 92.4%
African American 0.5%
Asian 0.8%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.3%
Hispanic or Latino 3.4%

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

$50,215

Per Capita Income

6.4%

Poverty Rate

0.9%

Unemployment Rate

32.5 min

Mean Commute Time

How ZIP 48096 ranks nationally

Ray, MI household income vs. every US ZIP code

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

$117,917 Top 10% higher than 90% 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 48.5%
Bachelor's Degree or Higher 20.8%

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

What does housing look like?

1,673

Total Housing Units

1,625

Occupied Units

48

Vacant Units

2.31

Avg Household Size

Occupancy Type

Owner 86.5%
Renter 13.5%

$377,700

Median Home Value

+72% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 48096 ranks #0 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 48096 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 48096 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
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

More ZIP Codes in Macomb County

48044 standard
Macomb, MI
Pop: 52,289
48066 standard
Roseville, MI
Pop: 47,388
48310 standard
Sterling Heights, MI
Pop: 42,766
48038 standard
Clinton Township, MI
Pop: 41,057
48047 standard
New Baltimore, MI
Pop: 39,415
48035 standard
Clinton Township, MI
Pop: 34,788

Related Areas

Macomb County Ray, MI Michigan

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.

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