Residential delivery area · Michigan
ZIP Code 48609: Saginaw, MI
ZIP code 48609 uses the postal name Saginaw, Michigan and lies entirely in Saginaw County (Census 2020 ZIP-county file). About 12,000 people live there (Census Bureau, ACS 2020-2024), the 5th most populous of Saginaw's 7 residential ZIP codes. Median household income is $78,218 (Census Bureau, ACS 2020-2024). By Census place, 18% of its land lies in Shields (a census-designated place); 82% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
Where is ZIP code 48609?
48609 centers on 43.390°, -84.083° and covers 44.8 square miles of land plus 3.4 of water. It borders 7 ZIP codes: 48638, 48603, 48602, 48626, 48655, 48623, 48601.
The map draws ZIP code areas only. For the streets inside 48609, 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 48609 compare with the rest of Saginaw?
| Measure | 48609 | In Saginaw | In Saginaw County | In MI |
|---|---|---|---|---|
| People (ACS 2020-2024) | 11,966 | 5th of 7 | 7th of 27 | 295th of 992 |
| Median household income | $78k | 1st of 6 | 6th of 21 | 279th of 774 |
| Median home value | $171k | 3rd of 6 | 11th of 21 | 516th of 779 |
Its median household income is higher than in 60% of U.S. residential ZIP codes, and it is denser than 66% 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 48609?
The 2020 Census counted 12,082 people in 48609; the ACS, which samples households over 2020-2024, estimates 11,966. Between the 2010 and 2020 censuses its population fell 3.0% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 11,966
- 2020 Census count
- 12,082−3.0% since 2010 (12,461)
- Households
- 5,262
- Median age
- 49.0
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 48609?
Of the 11,966 people the ACS estimates in 48609, 17.9% are under 18 and 28.9% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (89.7%).
- Under 1817.9%
- 18 to 6453.2%
- 65 and older28.9%
- White, not Hispanic89.7%
- Hispanic or Latino4.6%
- Other or two or more4.0%
- Black, not Hispanic0.9%
- Asian, not Hispanic0.8%
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 48609 earn?
Median household income is $78,218 (ACS 2020-2024), the 6th highest of the 21 ranked ZIP codes in Saginaw County. It is not measurably different from 2015-2019 ($79,347 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $78,218
- Income per person
- $40,902
- Below the poverty line
- 11.3%
- Unemployed (of the labor force)
- 7.1%
- Adults 25+ with a bachelor's degree
- 26.5%
- Adjusted gross income per tax return, 2022
- $84,0026,240 returns; wages 58% 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 48609?
FHFA's house price index for 48609, built from repeat sales and appraisals of the same homes, rose 74% from 2015 to 2025 and rose 48% from 2020 to 2025, and moved +3.3% in 2025.
- Median home value (owners' estimate)
- $170,800
- Median gross rent
- $929
- Homes owned by their occupants
- 86.3%
- Housing units
- 5,527
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 48609?
214 business establishments had a location in this ZIP code in 2023, 5 more than in 2018; the most are in other services (except public administration) (ZIP Code Business Patterns).
- Other services (except public administration)36
- Retail trade35
- Construction32
- Accommodation and food services26
- Health care and social assistance20
- Administrative and support and waste management and remediation services13
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 48609?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 48638 | Saginaw | 12,875 | $70k | 3.8 mi |
| 48603 | Saginaw | 27,757 | $66k | 5.5 mi |
| 48602 | Saginaw | 27,127 | $47k | 5.8 mi |
| 48626 | Hemlock | 5,766 | $84k | 7.3 mi |
| 48655 | Saint Charles | 5,760 | $66k | 7.6 mi |
| 48623 | Freeland | 15,129 | $101k | 9.3 mi |
| 48601 | Saginaw | 31,601 | $39k | 9.7 mi |
| 48607 | Saginaw | 1,614 | $38k | 8.1 mi (near) |
| 48724 | Carrollton | 1,229 | $35k | 9.2 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.