White Lake, MI · standard
ZIP Code 48386
Oakland County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 17,434
- 403/sq mi High-density area
- $89,702
- Median income Above-median income area
- $321,100
- Median home value Above-median home value
- 34.4%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
White Lake pairs an above-median household income with above-median home values, in a low-density, homeowner-dominated area.
- Top 27%
- household income, US ZIPs
- Top 30%
- home value, US ZIPs
- 403
- people per sq mi
- 83%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 48386 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 48386 (White Lake, MI) rose +7.1% from 2023 to 2024. The all-transactions index moved from 174.3 in 2023 to 186.7 in 2024 (2000 = 100).
ZIP code 48386 is a mid-sized community (a standard USPS delivery area) in White Lake, Oakland County, Michigan, home to 17,434 residents across 43.2 square miles, a density of 403 people per square mile, in the Detroit time zone.
ZIP 48386 lands in the middle-income range, with a median household income of $89,702 (22% above the average Michigan ZIP), while per-capita income is $45,673. The poverty rate is 10.0%, with unemployment at 3.0%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $321,100 (46% above the average Michigan ZIP), while 83.3% of occupied homes are owner-occupied and median rent is $1,489.
A solid share of residents have a four-year degree: 34.4% of adults hold a bachelor's degree or higher, the median age is 45.5, and the average commute is 31 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Oakland County, so 48386 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 48386
Top 5 sectors by establishment count in White Lake, MI
Which industries have the most business establishments in ZIP 48386.
- Retail trade
Retail trade
53 establishments
- Construction
Construction
48 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
31 establishments
- Health care and social assistance
Health care and social assistance
29 establishments
- Accommodation and food services
Accommodation and food services
29 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 48386, White Lake, 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
17,434
Population
43.2
Area (sq mi)
403
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 48386?
45.5
Median Age
49.4%
Male
50.6%
Female
5.4%
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?
$89,702
Median Household Income
+22% vs state ZIP avg
$45,673
Per Capita Income
10.0%
Poverty Rate
3.0%
Unemployment Rate
31.1 min
Mean Commute Time
How ZIP 48386 ranks among Michigan ZIPs
White Lake, 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)
$89,702 Top 19% higher than 81% 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
7,592housing units
7,592
Total Housing Units
7,335
Occupied Units
257
Vacant Units
2.43
Avg Household Size
Occupancy Type
$321,100
Median Home Value
+46% vs state ZIP avg
$1,489
Median Rent
1982
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
+7.1%
YoY Change (2024)
187
HPI Index (2000 = 100)
+87%
Total Change Since 2000
Home values in ZIP 48386 have increased 7.1% over the past year (2024). Since 2000, this ZIP has seen +87% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.3% | 131 |
| 2021 | +11.4% | 145 |
| 2022 | +7.1% | 156 |
| 2023 | +11.9% | 174 |
| 2024 | +7.1% | 187 |
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 282 business establishments in ZIP 48386, employing approximately 3,040 people with a combined annual payroll of $113,495,000.
282
Businesses
3,040
Employees
$113.5M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 53 | 18.8% |
| Construction | 48 | 17.0% |
| Professional, scientific, and technical services | 31 | 11.0% |
| Health care and social assistance | 29 | 10.3% |
| Accommodation and food services | 29 | 10.3% |
| Other services (except public administration) | 28 | 9.9% |
| Administrative and support and waste management and remediation services | 22 | 7.8% |
| Finance and insurance | 9 | 3.2% |
| Real estate and rental and leasing | 8 | 2.8% |
| Manufacturing | 6 | 2.1% |
| Transportation and warehousing | 6 | 2.1% |
| Wholesale trade | 5 | 1.8% |
| Information | 4 | 1.4% |
| Educational services | 3 | 1.1% |
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 48386 vs 48383 →
ZIP 48386 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 48329
Waterford (48329)
25,009 residents
- 48328
Waterford (48328)
24,960 residents
- 48390
Walled Lake (48390)
22,898 residents
- 48346
Clarkston (48346)
22,567 residents
- 48382
Commerce Township (48382)
21,945 residents
- 48327
Waterford (48327)
21,559 residents
- 48386
White Lake (48386)
17,434 residents
- 48324
West Bloomfield (48324)
17,350 residents
- 48383
White Lake (48383)
12,701 residents
What this shows Among its immediate neighbors, ZIP 48386 ranks #7 by population - useful context the national average alone can't give.
ZIP 48386 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 48324
West Bloomfield (48324)
$142,100 median income
- 48382
Commerce Township (48382)
$137,768 median income
- 48350
Davisburg (48350)
$110,042 median income
- 48356
Highland (48356)
$103,872 median income
- 48383
White Lake (48383)
$102,072 median income
- 48346
Clarkston (48346)
$101,477 median income
- 48390
Walled Lake (48390)
$91,381 median income
- 48386
White Lake (48386)
$89,702 median income
- 48329
Waterford (48329)
$85,709 median income
What this shows By household income, ZIP 48386 ranks #8 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 48383 | White Lake, MI | 12,701 | 2.9 mi |
| 48327 | Waterford, MI | 21,559 | 3.2 mi |
| 48382 | Commerce Township, MI | 21,945 | 4.9 mi |
| 48390 | Walled Lake, MI | 22,898 | 7.4 mi |
| 48346 | Clarkston, MI | 22,567 | 5.1 mi |
| 48356 | Highland, MI | 8,407 | 5.8 mi |
| 48329 | Waterford, MI | 25,009 | 4.9 mi |
| 48328 | Waterford, MI | 24,960 | 6.1 mi |
| 48350 | Davisburg, MI | 7,100 | 6.4 mi |
| 48324 | West Bloomfield, MI | 17,350 | 6.0 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 48386, 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 (17,434 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 48386 in?
ZIP code 48386 (White Lake) 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 48386?
ZIP code 48386 in White Lake, MI has a population of 17,434 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 48386?
The median household income in ZIP 48386 is $89,702, which is 18% above the national average of $76,288.
What is the average home value in ZIP 48386?
The median home value in ZIP 48386 is $321,100, which is 15% above the national average of $278,155.
What is the demographic makeup of ZIP 48386?
The largest racial group in ZIP 48386 is White at 87.5%. Hispanic or Latino residents make up 3.9% of the population.
How many businesses are in ZIP code 48386?
ZIP code 48386 has 282 business establishments employing approximately 3,040 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 48386?
The top industries by establishment count in ZIP 48386 are: Retail trade (53), Construction (48), Professional, scientific, and technical services (31). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 48386?
According to the FHFA House Price Index, home values in ZIP 48386 increased by 7.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 87%. 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 48386?
In ZIP code 48386, 60.6% of residents aged 25+ have a high school diploma or higher, and 34.4% 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 48386?
The mean commute time for workers in ZIP code 48386 is 31.1 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 48386?
In ZIP code 48386, approximately 83.3% of occupied housing units are owner-occupied and 16.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 48386?
The poverty rate in ZIP code 48386 is 10.0% 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 48386's numbers, next.
- See how ZIP 48386 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where White Lake, MI ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.