PlainZIP

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
$78,150
Median income
$345,900
Median home value
47.1%
Bachelor's or higher

The verdict

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.

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 Michigan average), while per-capita income is $59,318. The poverty rate stands at 12.1% and the unemployment rate at 4.7%. Median home value sits at $345,900 (58% above the state average), median rent at $1,214 a month, and owner-occupancy at 69.9%.

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. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 48320, plus 6 more within Oakland 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 48320

Top 5 sectors by establishment count in Keego Harbor, MI

Which industries have the most business establishments in ZIP 48320.

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 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

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 48320?

43.2

Median Age

46.0%

Male

54.0%

Female

9.4%

Foreign-Born

White 82.1%
African American 7.9%
Asian 0.3%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.9%
Hispanic or Latino 7.6%

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

$59,318

Per Capita Income

12.1%

Poverty Rate

4.7%

Unemployment Rate

26.2 min

Mean Commute Time

How ZIP 48320 ranks nationally

Keego Harbor, MI household income vs. every US ZIP code

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

$78,150 Top 41% higher than 59% 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 64.3%
Bachelor's Degree or Higher 47.1%

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

What does housing look like?

2,342

Total Housing Units

2,161

Occupied Units

181

Vacant Units

1.98

Avg Household Size

Occupancy Type

Owner 69.9%
Renter 30.1%

$345,900

Median Home Value

+58% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 48320 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 48320 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 48320 ranks #6 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
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

More ZIP Codes in Oakland County

48307 standard
Rochester, MI
Pop: 41,369
48073 standard
Royal Oak, MI
Pop: 32,798
48322 standard
West Bloomfield, MI
Pop: 31,265
48071 standard
Madison Heights, MI
Pop: 29,694
48237 standard
Oak Park, MI
Pop: 29,319
48309 standard
Rochester, MI
Pop: 29,135

Related Areas

Oakland County Keego Harbor, MI Michigan

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.

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