PlainZIP

Yale, MI · standard

ZIP Code 48097

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

5,499
28/sq mi
$63,659
Median income
$198,700
Median home value
13.5%
Bachelor's or higher

The verdict

Yale pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

36th pct
household income, US ZIPs
43th pct
home value, US ZIPs
28
people per sq mi
82%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 48097 against every reporting US ZIP.

ZIP code 48097 is a mid-sized community (a standard USPS delivery area) in Yale, St. Clair County, Michigan, home to 5,499 residents across 197.8 square miles, a density of 28 people per square mile, in the Detroit time zone.

ZIP 48097 reports a modest median household income of $63,659 (13% below the Michigan average), while per-capita income is $31,904. Local economic indicators show a 14.3% poverty rate alongside 12.1% unemployment. On housing, the median home value is $198,700 (10% below the state average) with median rent at $924 per month, and 82.1% of occupied units are owner-occupied.

Formal educational attainment runs low here: just 13.5% of adults hold a bachelor's degree or higher, the median age is 40.8, and the average commute is 39 minutes. To put 48097 in local context, 4 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in St. Clair County, for a geography-aware comparison.

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 48097

Top 5 sectors by establishment count in Yale, MI

Which industries have the most business establishments in ZIP 48097.

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 48097, Yale, 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

5,499

Population

197.8

Area (sq mi)

28

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 48097?

40.8

Median Age

50.8%

Male

49.2%

Female

1.4%

Foreign-Born

White 95.6%
African American 0.2%
Asian 0.2%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.8%
Hispanic or Latino 3.1%

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?

$63,659

Median Household Income

-13% vs state

$31,904

Per Capita Income

14.3%

Poverty Rate

12.1%

Unemployment Rate

39.4 min

Mean Commute Time

How ZIP 48097 ranks nationally

Yale, MI household income vs. every US ZIP code

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

$63,659 36th percentile higher than 36% 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%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $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 58.8%
Bachelor's Degree or Higher 13.5%

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

What does housing look like?

2,336

Total Housing Units

2,184

Occupied Units

152

Vacant Units

2.44

Avg Household Size

Occupancy Type

Owner 82.1%
Renter 17.9%

$198,700

Median Home Value

-10% vs state

$924

Median Rent

1973

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

+10.4%

YoY Change (2024)

188

HPI Index (2000 = 100)

+88%

Total Change Since 2000

Home values in ZIP 48097 have increased 10.4% over the past year (2024). Since 2000, this ZIP has seen +88% cumulative appreciation.

Year Annual Change HPI Index
2020 +6.5% 125
2021 +8.8% 136
2022 +11.6% 152
2023 +12.6% 171
2024 +10.4% 188

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 81 business establishments in ZIP 48097, employing approximately 912 people with a combined annual payroll of $30,363,000.

81

Businesses

912

Employees

$30.4M

Annual Payroll

9

Industry Sectors

Industry Establishments % of Total
Retail trade 16 19.8%
Health care and social assistance 16 19.8%
Accommodation and food services 9 11.1%
Construction 8 9.9%
Manufacturing 6 7.4%
Finance and insurance 6 7.4%
Administrative and support and waste management and remediation services 5 6.2%
Other services (except public administration) 5 6.2%
Professional, scientific, and technical services 3 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 48097 vs 48454 →

ZIP 48097 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 48097 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 48097 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 48097 ranks #4 of 5 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
48454 Melvin, MI 1,324 5.1 mi
48022 Emmett, MI 2,654 6.8 mi
48006 Avoca, MI 4,007 7.6 mi
48014 Capac, MI 4,256 8.6 mi

More ZIP Codes in St. Clair County

48060 standard
Port Huron, MI
Pop: 40,831
48059 standard
Fort Gratiot, MI
Pop: 15,123
48079 standard
Saint Clair, MI
Pop: 12,304
48001 standard
Algonac, MI
Pop: 11,986
48040 standard
Marysville, MI
Pop: 9,956
48074 standard
Smiths Creek, MI
Pop: 9,356

Related Areas

St. Clair County Yale, MI Michigan

Frequently Asked Questions

What county is ZIP code 48097 in? ▼
ZIP code 48097 (Yale) 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 48097? ▼
ZIP code 48097 in Yale, MI has a population of 5,499 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 48097? ▼
The median household income in ZIP 48097 is $63,659, which is 17% below the national average of $76,288.
What is the average home value in ZIP 48097? ▼
The median home value in ZIP 48097 is $198,700, which is 29% below the national average of $278,155.
What is the demographic makeup of ZIP 48097? ▼
The largest racial group in ZIP 48097 is White at 95.6%. Hispanic or Latino residents make up 3.1% of the population.
How many businesses are in ZIP code 48097? ▼
ZIP code 48097 has 81 business establishments employing approximately 912 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 48097? ▼
The top industries by establishment count in ZIP 48097 are: Retail trade (16), Health care and social assistance (16), Accommodation and food services (9). There are 9 industry sectors represented in total.
How have home values changed in ZIP code 48097? ▼
According to the FHFA House Price Index, home values in ZIP 48097 increased by 10.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 88%. 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 48097? ▼
In ZIP code 48097, 58.8% of residents aged 25+ have a high school diploma or higher, and 13.5% 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 48097? ▼
The mean commute time for workers in ZIP code 48097 is 39.4 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 48097? ▼
In ZIP code 48097, approximately 82.1% of occupied housing units are owner-occupied and 17.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 48097? ▼
The poverty rate in ZIP code 48097 is 14.3% 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.