PlainZIP

Gaines, MI · standard

ZIP Code 48436

Genesee County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

3,764
46/sq mi
$94,487
Median income
$276,000
Median home value
19.0%
Bachelor's or higher

The verdict

Gaines pairs an upper-quartile household income with above-median home values, in a rural, homeowner-dominated area.

Top 23%
household income, US ZIPs
Top 37%
home value, US ZIPs
46
people per sq mi
92%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 48436 against every reporting US ZIP.

ZIP code 48436 covers 82.5 square miles in Gaines, Genesee County, Michigan (a standard USPS delivery area), with a modest 3,764 residents on file, a density of 46 people per square mile, in the Detroit time zone.

ZIP 48436 lands in the middle-income range, with a median household income of $94,487 (29% above the Michigan average), while per-capita income is $39,974. 4.2% of residents live below the poverty line, and the unemployment rate reads 4.2%. Housing costs here run $276,000 for a typical home value (26% above the state average), with rent averaging $1,267 a month; 91.8% of homes are owner-occupied.

Educational attainment sits below the national norm: 19.0% of adults hold a bachelor's degree or higher, the median age is 40, and the average commute is 36 minutes. To put 48436 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Genesee County, for a geography-aware comparison.

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 48436

Top 5 sectors by establishment count in Gaines, MI

Which industries have the most business establishments in ZIP 48436.

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 48436, Gaines, 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

3,764

Population

82.5

Area (sq mi)

46

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 48436?

40.0

Median Age

52.8%

Male

47.2%

Female

1.9%

Foreign-Born

White 92.7%
African American 0.8%
Asian 0.6%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.8%
Hispanic or Latino 2.2%

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?

$94,487

Median Household Income

+29% vs state

$39,974

Per Capita Income

4.2%

Poverty Rate

4.2%

Unemployment Rate

35.6 min

Mean Commute Time

How ZIP 48436 ranks nationally

Gaines, MI household income vs. every US ZIP code

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

$94,487 Top 23% higher than 77% 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 51.5%
Bachelor's Degree or Higher 19.0%

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

What does housing look like?

1,458

Total Housing Units

1,418

Occupied Units

40

Vacant Units

2.91

Avg Household Size

Occupancy Type

Owner 91.8%
Renter 8.2%

$276,000

Median Home Value

+26% vs state

$1,267

Median Rent

1978

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

+2.7%

YoY Change (2024)

173

HPI Index (2000 = 100)

+73%

Total Change Since 2000

Home values in ZIP 48436 have increased 2.7% over the past year (2024). Since 2000, this ZIP has seen +73% cumulative appreciation.

Year Annual Change HPI Index
2020 – 126
2021 +12.3% 142
2022 +14.6% 162
2023 +3.8% 169
2024 +2.7% 173

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 36 business establishments in ZIP 48436, employing approximately 140 people with a combined annual payroll of $8,519,000.

36

Businesses

140

Employees

$8.5M

Annual Payroll

3

Industry Sectors

Industry Establishments % of Total
Construction 13 36.1%
Other services (except public administration) 5 13.9%
Retail trade 4 11.1%

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 48436 vs 48451 →

ZIP 48436 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 48436 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 48436 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 48436 ranks #3 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
48451 Linden, MI 14,767 5.2 mi
48473 Swartz Creek, MI 22,507 5.6 mi
48418 Byron, MI 4,312 6.6 mi
48429 Durand, MI 8,944 7.1 mi
48816 Cohoctah, MI 121 8.2 mi
48554 Flint, MI 0 8.6 mi
48449 Lennon, MI 3,147 9.6 mi
48532 Flint, MI 19,375 10.9 mi
48430 Fenton, MI 36,738 10.0 mi
48553 Flint, MI 0 10.8 mi

More ZIP Codes in Genesee County

48439 standard
Grand Blanc, MI
Pop: 49,209
48430 standard
Fenton, MI
Pop: 36,738
48423 standard
Davison, MI
Pop: 32,708
48504 standard
Flint, MI
Pop: 30,926
48507 standard
Flint, MI
Pop: 30,607
48506 standard
Flint, MI
Pop: 30,019

Related Areas

Genesee County Gaines, MI Michigan

Frequently Asked Questions

What county is ZIP code 48436 in? ▼
ZIP code 48436 (Gaines) is located in Genesee County, Michigan. Genesee County contains multiple ZIP codes, see the full list at /counties/genesee-mi.
What is the population of ZIP code 48436? ▼
ZIP code 48436 in Gaines, MI has a population of 3,764 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 48436? ▼
The median household income in ZIP 48436 is $94,487, which is 24% above the national average of $76,288.
What is the average home value in ZIP 48436? ▼
The median home value in ZIP 48436 is $276,000, which is 1% below the national average of $278,155.
What is the demographic makeup of ZIP 48436? ▼
The largest racial group in ZIP 48436 is White at 92.7%. Hispanic or Latino residents make up 2.2% of the population.
How many businesses are in ZIP code 48436? ▼
ZIP code 48436 has 36 business establishments employing approximately 140 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 48436? ▼
The top industries by establishment count in ZIP 48436 are: Construction (13), Other services (except public administration) (5), Retail trade (4). There are 3 industry sectors represented in total.
How have home values changed in ZIP code 48436? ▼
According to the FHFA House Price Index, home values in ZIP 48436 increased by 2.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 73%. 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 48436? ▼
In ZIP code 48436, 51.5% of residents aged 25+ have a high school diploma or higher, and 19.0% 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 48436? ▼
The mean commute time for workers in ZIP code 48436 is 35.6 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 48436? ▼
In ZIP code 48436, approximately 91.8% of occupied housing units are owner-occupied and 8.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 48436? ▼
The poverty rate in ZIP code 48436 is 4.2% 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.