ZIP Code 48609
standardSource:
Saginaw · Saginaw County · Michigan
- Population
- 12,461
- Median income
- $78,218
- Median home value
- $170,800
- Bachelor's or higher
- 26.5%
- Land area
- 115.5 sq mi
108/sq mi
▲ 3% vs US
higher than 59% of US ZIPs
▼ 39% vs US
higher than 35% of US ZIPs
Median age 49
Detroit
ZIP code 48609 in Saginaw, Michigan has a population of 12,461. The median household income is $78,218, which is 3% above the national average. Median home value is $170,800, 39% below the US average. 26.5% of residents hold a bachelor's degree or higher.
ZIP code 48609 is classified by USPS as a standard delivery area and covers roughly 115.5 square miles in Saginaw, Saginaw County, Michigan. The area is home to 12,461 residents, producing a population density of 108 people per square mile, and falls within the Detroit time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 48609 against Michigan and the nation.
On the economic side, the median household income for ZIP 48609 sits at $78,218 (7% above the Michigan average), while per-capita income is $40,902. The poverty rate stands at 11.3% and the unemployment rate at 7.1%. On housing, the median home value is $170,800 (22% below the state average) with median rent at $929 per month, and 86.3% of occupied units are owner-occupied, a direct signal of whether 48609 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 26.5% of adults hold a bachelor's degree or higher, the median age is 49, and the average commute is 24 minutes. We also surface 7 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Saginaw County, so you can benchmark 48609 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 48609
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 48609.
- Other services (except public administration)
Other services (except public administration)
36 establishments
- Retail trade
Retail trade
35 establishments
- Construction
Construction
32 establishments
- Accommodation and food services
Accommodation and food services
26 establishments
- Health care and social assistance
Health care and social assistance
20 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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 48609, Saginaw, MI · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
12,461
Population
115.5
Area (sq mi)
108
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 48609?
49.0
Median Age
49.1%
Male
50.9%
Female
5.2%
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?
$78,218
Median Household Income
+7% vs state
$40,902
Per Capita Income
11.3%
Poverty Rate
7.1%
Unemployment Rate
23.9 min
Mean Commute Time
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?
5,527
Total Housing Units
5,262
Occupied Units
265
Vacant Units
2.25
Avg Household Size
Occupancy Type
$170,800
Median Home Value
-22% vs state
$929
Median Rent
1976
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
+4.9%
YoY Change (2024)
168
HPI Index (2000 = 100)
+68%
Total Change Since 2000
Home values in ZIP 48609 have increased 4.9% over the past year (2024). Since 2000, this ZIP has seen +68% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.7% | 117 |
| 2021 | +14.4% | 133 |
| 2022 | +10.8% | 148 |
| 2023 | +8.3% | 160 |
| 2024 | +4.9% | 168 |
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 214 business establishments in ZIP 48609, employing approximately 2,365 people with a combined annual payroll of $96,774,000.
214
Businesses
2,365
Employees
$96.8M
Annual Payroll
13
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Other services (except public administration) | 36 | 16.8% |
| Retail trade | 35 | 16.4% |
| Construction | 32 | 14.9% |
| Accommodation and food services | 26 | 12.2% |
| Health care and social assistance | 20 | 9.3% |
| Administrative and support and waste management and remediation services | 13 | 6.1% |
| Finance and insurance | 12 | 5.6% |
| Professional, scientific, and technical services | 11 | 5.1% |
| Wholesale trade | 8 | 3.7% |
| Transportation and warehousing | 5 | 2.3% |
| Arts, entertainment, and recreation | 5 | 2.3% |
| Real estate and rental and leasing | 4 | 1.9% |
| Manufacturing | 3 | 1.4% |
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 48609 vs 48638 →
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Frequently Asked Questions
What county is ZIP code 48609 in? ▼
What is the population of ZIP code 48609? ▼
What is the median household income in ZIP 48609? ▼
What is the average home value in ZIP 48609? ▼
What is the demographic makeup of ZIP 48609? ▼
How many businesses are in ZIP code 48609? ▼
What are the main industries in ZIP code 48609? ▼
How have home values changed in ZIP code 48609? ▼
What is the education level in ZIP code 48609? ▼
What is the average commute time in ZIP 48609? ▼
What percentage of residents own vs. rent in ZIP 48609? ▼
What is the poverty rate in ZIP code 48609? ▼
ZIP Code Research Guides
Official Data Resources for Saginaw, MI
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.