Residential delivery area · Michigan
ZIP Code 48098: Troy, MI
ZIP code 48098 is in Troy, Michigan, entirely in Oakland County (Census 2020 ZIP-county file). About 21,000 people live there (Census Bureau, ACS 2020-2024), the 3rd most populous of Troy's 4 residential ZIP codes. Median household income is $164,759 (Census Bureau, ACS 2020-2024).
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Troy · 4 residential ZIPs
- County
- Oakland County
- Census places
- Troy
- Metro area
- Detroit-Warren-Dearborn, MI
- House district
- MI-11 119th Congress
- State
- Michigan
- Time zone
- Eastern
- Land area
- 9.4 sq mi · 2,227 people per sq mi
Where is ZIP code 48098?
48098 centers on 42.598°, -83.178° and covers 9.4 square miles of land plus 0.0 of water. It borders 4 ZIP codes: 48084, 48304, 48085, 48309.
The map draws ZIP code areas only. For the streets inside 48098, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 48098 compare with the rest of Troy?
| Measure | 48098 | In Troy | In Oakland County | In MI |
|---|---|---|---|---|
| People (ACS 2020-2024) | 20,936 | 3rd of 4 | 34th of 71 | 182nd of 992 |
| Median household income | $165k | 1st of 4 | 8th of 70 | 10th of 774 |
| Median home value | $509k | 1st of 4 | 8th of 71 | 12th of 779 |
Its median household income is higher than in 98% of U.S. residential ZIP codes, and it is denser than 86% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 48098?
The 2020 Census counted 20,349 people in 48098; the ACS, which samples households over 2020-2024, estimates 20,936. Between the 2010 and 2020 censuses its population grew 3.9% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 20,936
- 2020 Census count
- 20,349+3.9% since 2010 (19,582)
- Households
- 7,492
- Median age
- 46.5
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 48098?
Of the 20,936 people the ACS estimates in 48098, 22.4% are under 18 and 19.5% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (58.8%), then Asian (not Hispanic) (31.9%).
- Under 1822.4%
- 18 to 6458.0%
- 65 and older19.5%
- White, not Hispanic58.8%
- Asian, not Hispanic31.9%
- Other or two or more5.6%
- Black, not Hispanic1.9%
- Hispanic or Latino1.8%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 48098 earn?
Median household income is $164,759 (ACS 2020-2024), the 8th highest of the 70 ranked ZIP codes in Oakland County. It is not measurably different from 2015-2019 ($166,323 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $164,759
- Income per person
- $71,048
- Below the poverty line
- 3.5%
- Unemployed (of the labor force)
- 3.9%
- Adults 25+ with a bachelor's degree
- 76.9%
- Adjusted gross income per tax return, 2022
- $179,0859,850 returns; wages 64% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 48098?
FHFA's house price index for 48098, built from repeat sales and appraisals of the same homes, rose 72% from 2015 to 2025 and rose 49% from 2020 to 2025, and moved +2.2% in 2025.
- Median home value (owners' estimate)
- $509,400
- Median gross rent
- $1,712
- Homes owned by their occupants
- 91.1%
- Housing units
- 7,783
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 48098?
703 business establishments had a location in this ZIP code in 2023, 7 more than in 2018; the most are in professional, scientific, and technical services (ZIP Code Business Patterns).
- Professional, scientific, and technical services176
- Finance and insurance103
- Health care and social assistance102
- Administrative and support and waste management and remediation services54
- Other services (except public administration)53
- Accommodation and food services33
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 48098?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 48084 | Troy | 15,960 | $107k | 2.6 mi |
| 48304 | Bloomfield Hills | 17,387 | $143k | 2.9 mi |
| 48085 | Troy | 27,231 | $146k | 2.9 mi |
| 48309 | Rochester | 30,685 | $121k | 4.1 mi |
| 48009 | Birmingham | 21,772 | $153k | 4.3 mi (near) |
| 48083 | Troy | 23,771 | $91k | 4.2 mi (near) |
| 48017 | Clawson | 11,350 | $89k | 4.5 mi (near) |
| 48307 | Rochester | 44,714 | $107k | 5.1 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.