Residential delivery area · Michigan
ZIP Code 48604: Saginaw, MI
ZIP code 48604 uses the postal name Saginaw, Michigan and lies mostly in Saginaw County (96% of its land) with the rest in Bay County (Census 2020 ZIP-county file). About 11,000 people live there (Census Bureau, ACS 2020-2024), the 6th most populous of Saginaw's 7 residential ZIP codes. Median household income is $53,042 (Census Bureau, ACS 2020-2024). By Census place, 8% of its land lies in Zilwaukee, and under 1% in smaller places; 91% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Saginaw · 7 residential ZIPs
- County
- Saginaw County (96%); Bay County (4%)
- Census places
- Zilwaukee
- Metro area
- Saginaw, MI
- House district
- MI-8 119th Congress
- State
- Michigan
- Time zone
- Eastern
- Land area
- 26.3 sq mi · 419 people per sq mi
Where is ZIP code 48604?
48604 centers on 43.500°, -83.969° and covers 26.3 square miles of land plus 3.0 of water. It borders 8 ZIP codes: 48724, 48603, 48607, 48602, 48708, 48706, 48601, 48623.
The map draws ZIP code areas only. For the streets inside 48604, 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 48604 compare with the rest of Saginaw?
| Measure | 48604 | In Saginaw | In Saginaw County | In MI |
|---|---|---|---|---|
| People (ACS 2020-2024) | 11,011 | 6th of 7 | 8th of 27 | 314th of 992 |
| Median household income | $53k | 4th of 6 | 18th of 21 | 682nd of 774 |
| Median home value | $101k | 4th of 6 | 19th of 21 | 749th of 779 |
Its median household income is higher than in 18% of U.S. residential ZIP codes, and it is denser than 70% 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 48604?
The 2020 Census counted 12,386 people in 48604; the ACS, which samples households over 2020-2024, estimates 11,011. Between the 2010 and 2020 censuses its population fell 5.3% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 11,011
- 2020 Census count
- 12,386−5.3% since 2010 (13,074)
- Households
- 4,013
- Median age
- 25.6
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 48604?
Of the 11,011 people the ACS estimates in 48604, 13.2% are under 18 and 13.1% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (74.5%), then Black (not Hispanic) (10.8%).
- Under 1813.2%
- 18 to 6473.7%
- 65 and older13.1%
- White, not Hispanic74.5%
- Black, not Hispanic10.8%
- Hispanic or Latino8.1%
- Other or two or more5.7%
- Asian, not Hispanic0.9%
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 48604 earn?
Median household income is $53,042 (ACS 2020-2024), the 18th highest of the 21 ranked ZIP codes in Saginaw County. It is not measurably different from 2015-2019 ($56,839 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $53,042
- Income per person
- $30,278
- Below the poverty line
- 30.1%
- Unemployed (of the labor force)
- 6.4%
- Adults 25+ with a bachelor's degree
- 24.4%
- Adjusted gross income per tax return, 2022
- $51,0364,970 returns; wages 70% 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 48604?
FHFA's house price index for 48604, built from repeat sales and appraisals of the same homes, rose 106% from 2015 to 2025 and rose 68% from 2020 to 2025, and moved +5.6% in 2025.
- Median home value (owners' estimate)
- $101,200
- Median gross rent
- $1,114
- Homes owned by their occupants
- 71.5%
- Housing units
- 4,496
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 48604?
519 business establishments had a location in this ZIP code in 2023, 13 fewer than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade133
- Health care and social assistance88
- Accommodation and food services68
- Finance and insurance35
- Professional, scientific, and technical services29
- Construction26
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 48604?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 48724 | Carrollton | 1,229 | $35k | 3.6 mi |
| 48603 | Saginaw | 27,757 | $66k | 4.1 mi |
| 48607 | Saginaw | 1,614 | $38k | 5.0 mi |
| 48602 | Saginaw | 27,127 | $47k | 5.5 mi |
| 48708 | Bay City | 25,635 | $51k | 7.2 mi |
| 48706 | Bay City | 38,974 | $63k | 7.2 mi |
| 48601 | Saginaw | 31,601 | $39k | 8.3 mi |
| 48623 | Freeland | 15,129 | $101k | 8.4 mi |
| 48710 | University Center | 0 | – | 4.0 mi (near) |
| 48638 | Saginaw | 12,875 | $70k | 6.1 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.