PlainZIP

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
$50,765
Median income
$154,000
Median home value
17.8%
Bachelor's or higher

The verdict

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.

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 Michigan average), while per-capita income is $32,033. 12.5% of residents live below the poverty line, and the unemployment rate reads 4.9%. The typical home here is valued at $154,000 (30% below the state average); renters pay a median of $663 monthly, and 83.1% of units are owner-occupied.

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. Beyond these figures, 4 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Huron County, letting you compare 48441 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 48441

Top 5 sectors by establishment count in Harbor Beach, MI

Which industries have the most business establishments in ZIP 48441.

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 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

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 48441?

45.7

Median Age

51.6%

Male

48.4%

Female

2.2%

Foreign-Born

White 94.4%
African American 0.0%
Asian 0.7%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.5%
Hispanic or Latino 1.3%

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

$32,033

Per Capita Income

12.5%

Poverty Rate

4.9%

Unemployment Rate

18.2 min

Mean Commute Time

How ZIP 48441 ranks nationally

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

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

$50,765 15th percentile higher than 15% 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%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $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 56.2%
Bachelor's Degree or Higher 17.8%

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

What does housing look like?

2,166

Total Housing Units

1,592

Occupied Units

574

Vacant Units

2.30

Avg Household Size

Occupancy Type

Owner 83.1%
Renter 16.9%

$154,000

Median Home Value

-30% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 48441 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 48441 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 48441 ranks #4 of 5 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
48470 Ruth, MI 784 5.5 mi
48456 Minden City, MI 858 9.6 mi
48468 Port Hope, MI 1,294 10.0 mi
48434 Forestville, MI 104 11.3 mi

More ZIP Codes in Huron County

48413 standard
Bad Axe, MI
Pop: 7,551
48759 standard
Sebewaing, MI
Pop: 3,293
48755 standard
Pigeon, MI
Pop: 3,110
48475 standard
Ubly, MI
Pop: 2,766
48725 standard
Caseville, MI
Pop: 2,464
48467 standard
Port Austin, MI
Pop: 2,337

Related Areas

Huron County Harbor Beach, MI Michigan

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.

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