ZIP Code 48096
standardSource:
Ray · Macomb County · Michigan
- Population
- 3,739
- Median income
- $117,917
- Median home value
- $377,700
- Bachelor's or higher
- 20.8%
- Land area
- 94.7 sq mi
40/sq mi
▲ 55% vs US
higher than 90% of US ZIPs
▲ 36% vs US
higher than 77% of US ZIPs
Median age 48.9
Detroit
ZIP code 48096 in Ray, Michigan has a population of 3,739. The median household income is $117,917, which is 55% above the national average. Median home value is $377,700, 36% above the US average. 20.8% of residents hold a bachelor's degree or higher.
ZIP code 48096 is classified by USPS as a standard delivery area and covers roughly 94.7 square miles in Ray, Macomb County, Michigan. The area is home to 3,739 residents, producing a population density of 40 people per square mile, and falls within the Detroit time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 48096 against Michigan and the nation.
On the economic side, the median household income for ZIP 48096 sits at $117,917 (61% above the Michigan average), while per-capita income is $50,215. The poverty rate stands at 6.4% and the unemployment rate at 0.9%. On housing, the median home value is $377,700 (72% above the state average) with median rent at $1,259 per month, and 86.5% of occupied units are owner-occupied, a direct signal of whether 48096 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 20.8% of adults hold a bachelor's degree or higher, the median age is 48.9, and the average commute is 33 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Macomb County, so you can benchmark 48096 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 48096
Top 5 sectors by establishment count
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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
$50,215
Per Capita Income
6.4%
Poverty Rate
0.9%
Unemployment Rate
32.5 min
Mean Commute Time
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?
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
$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 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
Related Areas
Frequently Asked Questions
What county is ZIP code 48096 in? ▼
What is the population of ZIP code 48096? ▼
What is the median household income in ZIP 48096? ▼
What is the average home value in ZIP 48096? ▼
What is the demographic makeup of ZIP 48096? ▼
How many businesses are in ZIP code 48096? ▼
What are the main industries in ZIP code 48096? ▼
How have home values changed in ZIP code 48096? ▼
What is the education level in ZIP code 48096? ▼
What is the average commute time in ZIP 48096? ▼
What percentage of residents own vs. rent in ZIP 48096? ▼
What is the poverty rate in ZIP code 48096? ▼
ZIP Code Research Guides
Official Data Resources for Ray, MI
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.