Harbor Beach, MI · standard
ZIP Code 48441
Huron County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 4,085
- 16/sq mi Moderate-density area
- $50,765
- Median income Below-median income area
- $154,000
- Median home value Below-median home value
- 17.8%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Harbor Beach pairs one of the lowest household incomes in the country with below-median home values, in a rural, homeowner-dominated area.
- 15th pct
- household income, US ZIPs
- 27th pct
- home value, US ZIPs
- 16
- people per sq mi
- 83%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 48441 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 48441 (Harbor Beach, MI) fell -6.7% from 2023 to 2024. The all-transactions index moved from 187.4 in 2023 to 174.9 in 2024 (2000 = 100).
ZIP code 48441 covers 261.9 square miles in Harbor Beach, Huron County, Michigan (a standard USPS delivery area), with a modest 4,085 residents on file, a density of 16 people per square mile, in the Detroit time zone.
ZIP 48441 reports a modest median household income of $50,765 (31% below the average Michigan ZIP), while per-capita income is $32,033. The poverty rate is 12.5%, with unemployment at 4.9%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $154,000 (30% below the average Michigan ZIP), and median rent is $663; owner occupancy is 83.1%.
Educational attainment sits below the national norm: 17.8% of adults hold a bachelor's degree or higher, the median age is 45.7, and the average commute is 18 minutes. The page also surfaces 4 ZIP codes within roughly 10 miles and 6 more in Huron County, so 48441 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 48441
Top 5 sectors by establishment count in Harbor Beach, MI
Which industries have the most business establishments in ZIP 48441.
- Construction
Construction
19 establishments
- Other services (except public administration)
Other services (except public administration)
16 establishments
- Accommodation and food services
Accommodation and food services
9 establishments
- Manufacturing
Manufacturing
8 establishments
- Retail trade
Retail trade
8 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 48441, Harbor Beach, 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
4,085
Population
261.9
Area (sq mi)
16
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 48441?
45.7
Median Age
51.6%
Male
48.4%
Female
2.2%
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?
$50,765
Median Household Income
-31% vs state ZIP avg
$32,033
Per Capita Income
12.5%
Poverty Rate
4.9%
Unemployment Rate
18.2 min
Mean Commute Time
How ZIP 48441 ranks among Michigan ZIPs
Harbor Beach, 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)
$50,765 13th percentile higher than 13% 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
2,166housing units
2,166
Total Housing Units
1,592
Occupied Units
574
Vacant Units
2.30
Avg Household Size
Occupancy Type
$154,000
Median Home Value
-30% vs state ZIP avg
$663
Median Rent
1962
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
-6.7%
YoY Change (2024)
175
HPI Index (2000 = 100)
+75%
Total Change Since 2000
Home values in ZIP 48441 have decreased 6.7% over the past year (2024). Since 2000, this ZIP has seen +75% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +0.3% | 121 |
| 2021 | +10.8% | 135 |
| 2022 | +17.3% | 158 |
| 2023 | +18.8% | 187 |
| 2024 | -6.7% | 175 |
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 95 business establishments in ZIP 48441, employing approximately 1,009 people with a combined annual payroll of $62,252,000.
95
Businesses
1,009
Employees
$62.3M
Annual Payroll
11
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 19 | 20.0% |
| Other services (except public administration) | 16 | 16.8% |
| Accommodation and food services | 9 | 9.5% |
| Manufacturing | 8 | 8.4% |
| Retail trade | 8 | 8.4% |
| Professional, scientific, and technical services | 7 | 7.4% |
| Health care and social assistance | 7 | 7.4% |
| Transportation and warehousing | 6 | 6.3% |
| Finance and insurance | 6 | 6.3% |
| Agriculture, forestry, fishing and hunting | 3 | 3.2% |
| Administrative and support and waste management and remediation services | 3 | 3.2% |
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 48441 vs 48470 →
ZIP 48441 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 48441
Harbor Beach (48441)
4,085 residents
- 48468 1,294
Port Hope (48468)
1,294 residents
- 48456 858
Minden City (48456)
858 residents
- 48470 784
Ruth (48470)
784 residents
- 48434 104
Forestville (48434)
104 residents
What this shows Among its immediate neighbors, ZIP 48441 ranks the most populous - useful context the national average alone can't give.
ZIP 48441 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 48468
Port Hope (48468)
$63,000 median income
- 48456
Minden City (48456)
$62,321 median income
- 48470
Ruth (48470)
$58,594 median income
- 48441
Harbor Beach (48441)
$50,765 median income
- 48434
Forestville (48434)
$40,938 median income
What this shows By household income, ZIP 48441 ranks #4 of 5 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 48441, 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 (4,085 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Huron County
Related Areas
Frequently Asked Questions
What county is ZIP code 48441 in?
ZIP code 48441 (Harbor Beach) is located in Huron County, Michigan. Huron County contains multiple ZIP codes, see the full list at /counties/huron-mi.
What is the population of ZIP code 48441?
ZIP code 48441 in Harbor Beach, MI has a population of 4,085 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 48441?
The median household income in ZIP 48441 is $50,765, which is 33% below the national average of $76,288.
What is the average home value in ZIP 48441?
The median home value in ZIP 48441 is $154,000, which is 45% below the national average of $278,155.
What is the demographic makeup of ZIP 48441?
The largest racial group in ZIP 48441 is White at 94.4%. Hispanic or Latino residents make up 1.3% of the population.
How many businesses are in ZIP code 48441?
ZIP code 48441 has 95 business establishments employing approximately 1,009 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 48441?
The top industries by establishment count in ZIP 48441 are: Construction (19), Other services (except public administration) (16), Accommodation and food services (9). There are 11 industry sectors represented in total.
How have home values changed in ZIP code 48441?
According to the FHFA House Price Index, home values in ZIP 48441 decreased by 6.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 75%. 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 48441?
In ZIP code 48441, 56.2% of residents aged 25+ have a high school diploma or higher, and 17.8% 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 48441?
The mean commute time for workers in ZIP code 48441 is 18.2 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 48441?
In ZIP code 48441, approximately 83.1% of occupied housing units are owner-occupied and 16.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 48441?
The poverty rate in ZIP code 48441 is 12.5% 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 48441's numbers, next.
- See how ZIP 48441 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Harbor Beach, 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.