Keego Harbor, MI · standard
ZIP Code 48320
Oakland County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 4,589
- 1,619/sq mi High-density area
- $78,150
- Median income Near-median income area
- $345,900
- Median home value Above-median home value
- 47.1%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Keego Harbor pairs an above-median household income with above-median home values, in a low-density, homeowner-dominated area.
- Top 41%
- household income, US ZIPs
- Top 27%
- home value, US ZIPs
- 1,619
- people per sq mi
- 70%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 48320 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 48320 (Keego Harbor, MI) rose +1.8% from 2023 to 2024. The all-transactions index moved from 178.8 in 2023 to 182.0 in 2024 (2000 = 100).
ZIP code 48320 covers 2.8 square miles in Keego Harbor, Oakland County, Michigan (a standard USPS delivery area), with a modest 4,589 residents on file, a density of 1,619 people per square mile, in the Detroit time zone.
ZIP 48320 lands in the middle-income range, with a median household income of $78,150 (7% above the average Michigan ZIP), while per-capita income is $59,318. The poverty rate is 12.1%, with unemployment at 4.7%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $345,900 (58% above the average Michigan ZIP), while 69.9% of occupied homes are owner-occupied and median rent is $1,214.
A solid share of residents have a four-year degree: 47.1% of adults hold a bachelor's degree or higher, the median age is 43.2, and the average commute is 26 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Oakland County, so 48320 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 48320
Top 5 sectors by establishment count in Keego Harbor, MI
Which industries have the most business establishments in ZIP 48320.
- Accommodation and food services
Accommodation and food services
35 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
32 establishments
- Retail trade
Retail trade
31 establishments
- Construction
Construction
22 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
18 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 48320, Keego Harbor, 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
4,589
Population
2.8
Area (sq mi)
1,619
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 48320?
43.2
Median Age
46.0%
Male
54.0%
Female
9.4%
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?
$78,150
Median Household Income
+7% vs state ZIP avg
$59,318
Per Capita Income
12.1%
Poverty Rate
4.7%
Unemployment Rate
26.2 min
Mean Commute Time
How ZIP 48320 ranks among Michigan ZIPs
Keego Harbor, 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)
$78,150 Top 33% higher than 67% 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
2,342housing units
2,342
Total Housing Units
2,161
Occupied Units
181
Vacant Units
1.98
Avg Household Size
Occupancy Type
$345,900
Median Home Value
+58% vs state ZIP avg
$1,214
Median Rent
1971
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
+1.8%
YoY Change (2024)
182
HPI Index (2000 = 100)
+82%
Total Change Since 2000
Home values in ZIP 48320 have increased 1.8% over the past year (2024). Since 2000, this ZIP has seen +82% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.1% | 136 |
| 2021 | +6.9% | 145 |
| 2022 | +12.8% | 164 |
| 2023 | +9.0% | 179 |
| 2024 | +1.8% | 182 |
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 217 business establishments in ZIP 48320, employing approximately 2,007 people with a combined annual payroll of $100,253,000.
217
Businesses
2,007
Employees
$100.3M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Accommodation and food services | 35 | 16.1% |
| Professional, scientific, and technical services | 32 | 14.8% |
| Retail trade | 31 | 14.3% |
| Construction | 22 | 10.1% |
| Administrative and support and waste management and remediation services | 18 | 8.3% |
| Other services (except public administration) | 17 | 7.8% |
| Health care and social assistance | 15 | 6.9% |
| Finance and insurance | 12 | 5.5% |
| Real estate and rental and leasing | 11 | 5.1% |
| Wholesale trade | 7 | 3.2% |
| Manufacturing | 5 | 2.3% |
| Information | 3 | 1.4% |
| Educational services | 3 | 1.4% |
| Arts, entertainment, and recreation | 3 | 1.4% |
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 48320 vs 48328 →
ZIP 48320 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 48322
West Bloomfield (48322)
31,265 residents
- 48328
Waterford (48328)
24,960 residents
- 48340
Pontiac (48340)
24,307 residents
- 48327
Waterford (48327)
21,559 residents
- 48334
Farmington (48334)
18,540 residents
- 48342
Pontiac (48342)
18,407 residents
- 48323
West Bloomfield (48323)
17,708 residents
- 48324
West Bloomfield (48324)
17,350 residents
- 48341
Pontiac (48341)
17,139 residents
What this shows Among its immediate neighbors, ZIP 48320 ranks #0 by population - useful context the national average alone can't give.
ZIP 48320 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 48302
Bloomfield Hills (48302)
$178,103 median income
- 48323
West Bloomfield (48323)
$144,457 median income
- 48324
West Bloomfield (48324)
$142,100 median income
- 48322
West Bloomfield (48322)
$113,865 median income
- 48334
Farmington (48334)
$102,228 median income
- 48320
Keego Harbor (48320)
$78,150 median income
- 48327
Waterford (48327)
$74,788 median income
- 48328
Waterford (48328)
$72,299 median income
- 48341 $51,390
Pontiac (48341)
$51,390 median income
What this shows By household income, ZIP 48320 ranks #6 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 48328 | Waterford, MI | 24,960 | 2.3 mi |
| 48341 | Pontiac, MI | 17,139 | 2.4 mi |
| 48302 | Bloomfield Hills, MI | 15,360 | 2.9 mi |
| 48324 | West Bloomfield, MI | 17,350 | 3.0 mi |
| 48323 | West Bloomfield, MI | 17,708 | 3.5 mi |
| 48342 | Pontiac, MI | 18,407 | 3.9 mi |
| 48340 | Pontiac, MI | 24,307 | 4.7 mi |
| 48327 | Waterford, MI | 21,559 | 4.4 mi |
| 48322 | West Bloomfield, MI | 31,265 | 5.3 mi |
| 48334 | Farmington, MI | 18,540 | 7.3 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 48320, 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 (4,589 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Oakland County
Related Areas
Frequently Asked Questions
What county is ZIP code 48320 in?
ZIP code 48320 (Keego Harbor) is located in Oakland County, Michigan. Oakland County contains multiple ZIP codes, see the full list at /counties/oakland-mi.
What is the population of ZIP code 48320?
ZIP code 48320 in Keego Harbor, MI has a population of 4,589 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 48320?
The median household income in ZIP 48320 is $78,150, which is 2% above the national average of $76,288.
What is the average home value in ZIP 48320?
The median home value in ZIP 48320 is $345,900, which is 24% above the national average of $278,155.
What is the demographic makeup of ZIP 48320?
The largest racial group in ZIP 48320 is White at 82.1%. Hispanic or Latino residents make up 7.6% of the population.
How many businesses are in ZIP code 48320?
ZIP code 48320 has 217 business establishments employing approximately 2,007 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 48320?
The top industries by establishment count in ZIP 48320 are: Accommodation and food services (35), Professional, scientific, and technical services (32), Retail trade (31). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 48320?
According to the FHFA House Price Index, home values in ZIP 48320 increased by 1.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 82%. 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 48320?
In ZIP code 48320, 64.3% of residents aged 25+ have a high school diploma or higher, and 47.1% 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 48320?
The mean commute time for workers in ZIP code 48320 is 26.2 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 48320?
In ZIP code 48320, approximately 69.9% of occupied housing units are owner-occupied and 30.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 48320?
The poverty rate in ZIP code 48320 is 12.1% 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 48320's numbers, next.
- See how ZIP 48320 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Keego Harbor, MI ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.