Residential delivery area · Michigan
ZIP Code 48601: Saginaw, MI
ZIP code 48601 uses the postal name Saginaw, Michigan and lies entirely in Saginaw County (Census 2020 ZIP-county file). About 32,000 people live there (Census Bureau, ACS 2020-2024), the most populous of Saginaw's 7 residential ZIP codes. Median household income is $38,900 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Saginaw (8%), Buena Vista (4%) and Robin Glen-Indiantown (3%), and 4% in smaller places; 81% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Saginaw · 7 residential ZIPs
- County
- Saginaw County
- Census places
- Saginaw (8%); Buena Vista (4%) census-designated place; Robin Glen-Indiantown (3%) census-designated place
- Metro area
- Saginaw, MI
- House district
- MI-8 119th Congress
- State
- Michigan
- Time zone
- Eastern
- Land area
- 104.3 sq mi · 303 people per sq mi
Where is ZIP code 48601?
48601 centers on 43.395°, -83.889° and covers 104.3 square miles of land plus 3.1 of water. It borders 12 ZIP codes: 48607, 48722, 48602, 48724, 48734, 48604, 48415, 48417, 48609, 48747 and more.
The map draws ZIP code areas only. For the streets inside 48601, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 48601 compare with the rest of Saginaw?
| Measure | 48601 | In Saginaw | In Saginaw County | In MI |
|---|---|---|---|---|
| People (ACS 2020-2024) | 31,601 | 1st of 7 | 1st of 27 | 80th of 992 |
| Median household income | $39k | 6th of 6 | 21st of 21 | 755th of 774 |
| Median home value | $63k | 6th of 6 | 21st of 21 | 773rd of 779 |
Its median household income is higher than in 5% of U.S. residential ZIP codes, and it is denser than 67% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 48601?
The 2020 Census counted 32,165 people in 48601; the ACS, which samples households over 2020-2024, estimates 31,601. Between the 2010 and 2020 censuses its population fell 16.3% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 31,601
- 2020 Census count
- 32,165−16.3% since 2010 (38,406)
- Households
- 13,323
- Median age
- 38.2
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 48601?
Of the 31,601 people the ACS estimates in 48601, 25.7% are under 18 and 21.0% are 65 or older. The largest group by race and Hispanic origin is Black (not Hispanic) (57.2%), then White (not Hispanic) (27.9%).
- Under 1825.7%
- 18 to 6453.3%
- 65 and older21.0%
- Black, not Hispanic57.2%
- White, not Hispanic27.9%
- Hispanic or Latino11.8%
- Other or two or more2.9%
- Asian, not Hispanic0.1%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 48601 earn?
Median household income is $38,900 (ACS 2020-2024), the 21st highest of the 21 ranked ZIP codes in Saginaw County. It is not measurably different from 2015-2019 ($36,591 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $38,900
- Income per person
- $21,720
- Below the poverty line
- 31.6%
- Unemployed (of the labor force)
- 8.6%
- Adults 25+ with a bachelor's degree
- 9.9%
- Adjusted gross income per tax return, 2022
- $35,63513,520 returns; wages 73% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 48601?
FHFA's house price index for 48601, built from repeat sales and appraisals of the same homes, rose 113% from 2015 to 2025 and rose 65% from 2020 to 2025, and moved +13.9% in 2025.
- Median home value (owners' estimate)
- $62,800
- Median gross rent
- $856
- Homes owned by their occupants
- 67.2%
- Housing units
- 15,924
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 48601?
507 business establishments had a location in this ZIP code in 2023, 8 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade87
- Health care and social assistance75
- Other services (except public administration)66
- Manufacturing51
- Wholesale trade47
- Transportation and warehousing34
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 48601?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 48607 | Saginaw | 1,614 | $38k | 3.4 mi |
| 48722 | Bridgeport | 3,127 | $67k | 4.0 mi |
| 48602 | Saginaw | 27,127 | $47k | 4.6 mi |
| 48724 | Carrollton | 1,229 | $35k | 4.7 mi |
| 48734 | Frankenmuth | 7,746 | $91k | 7.5 mi |
| 48604 | Saginaw | 11,011 | $53k | 8.3 mi |
| 48415 | Birch Run | 8,918 | $79k | 9.4 mi |
| 48417 | Burt | 2,222 | $72k | 9.6 mi |
| 48609 | Saginaw | 11,966 | $78k | 9.7 mi |
| 48747 | Munger | 1,549 | $82k | 10.6 mi |
| 48708 | Bay City | 25,635 | $51k | 11.4 mi |
| 48757 | Reese | 3,708 | $74k | 11.9 mi |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.