PlainZIP

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
$89,702
Median income
$321,100
Median home value
34.4%
Bachelor's or higher

The verdict

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.

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 Michigan average), while per-capita income is $45,673. Local economic indicators show a 10.0% poverty rate alongside 3.0% unemployment. Housing costs here run $321,100 for a typical home value (46% above the state average), with rent averaging $1,489 a month; 83.3% of homes are owner-occupied.

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. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Oakland County, letting you compare 48386 to its immediate surroundings rather than a national baseline 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 48386

Top 5 sectors by establishment count in White Lake, MI

Which industries have the most business establishments in ZIP 48386.

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 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

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 48386?

45.5

Median Age

49.4%

Male

50.6%

Female

5.4%

Foreign-Born

White 87.5%
African American 2.0%
Asian 0.8%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.6%
Hispanic or Latino 3.9%

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

$45,673

Per Capita Income

10.0%

Poverty Rate

3.0%

Unemployment Rate

31.1 min

Mean Commute Time

How ZIP 48386 ranks nationally

White Lake, MI household income vs. every US ZIP code

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

$89,702 Top 27% higher than 73% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 60.6%
Bachelor's Degree or Higher 34.4%

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

What does housing look like?

7,592

Total Housing Units

7,335

Occupied Units

257

Vacant Units

2.43

Avg Household Size

Occupancy Type

Owner 83.3%
Renter 16.7%

$321,100

Median Home Value

+46% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 48386 ranks #7 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 48386 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 48386 ranks #8 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
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

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 White Lake, MI Michigan

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.

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