PlainZIP

Chesaning, MI · standard

ZIP Code 48616

Saginaw County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

7,513
36/sq mi
$66,819
Median income
$163,100
Median home value
13.4%
Bachelor's or higher

The verdict

Chesaning pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

42th pct
household income, US ZIPs
31th pct
home value, US ZIPs
36
people per sq mi
85%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 48616 against every reporting US ZIP.

ZIP code 48616 is a mid-sized community (a standard USPS delivery area) in Chesaning, Saginaw County, Michigan, home to 7,513 residents across 208.7 square miles, a density of 36 people per square mile, in the Detroit time zone.

ZIP 48616 reports a modest median household income of $66,819 (9% below the Michigan average), while per-capita income is $34,629. Local economic indicators show a 10.6% poverty rate alongside 3.5% unemployment. On housing, the median home value is $163,100 (26% below the state average) with median rent at $730 per month, and 84.7% of occupied units are owner-occupied.

Formal educational attainment runs low here: just 13.4% of adults hold a bachelor's degree or higher, the median age is 45.7, and the average commute is 25 minutes. Beyond these figures, 4 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Saginaw County, letting you compare 48616 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 48616

Top 5 sectors by establishment count in Chesaning, MI

Which industries have the most business establishments in ZIP 48616.

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 48616, Chesaning, 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

7,513

Population

208.7

Area (sq mi)

36

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 48616?

45.7

Median Age

51.2%

Male

48.8%

Female

0.8%

Foreign-Born

White 92.6%
African American 0.8%
Asian 1.0%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.2%
Hispanic or Latino 4.4%

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?

$66,819

Median Household Income

-9% vs state

$34,629

Per Capita Income

10.6%

Poverty Rate

3.5%

Unemployment Rate

25.0 min

Mean Commute Time

How ZIP 48616 ranks nationally

Chesaning, MI household income vs. every US ZIP code

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

$66,819 42nd percentile higher than 42% 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%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $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 54.2%
Bachelor's Degree or Higher 13.4%

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

What does housing look like?

3,221

Total Housing Units

3,047

Occupied Units

174

Vacant Units

2.46

Avg Household Size

Occupancy Type

Owner 84.7%
Renter 15.3%

$163,100

Median Home Value

-26% vs state

$730

Median Rent

1971

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

+10.2%

YoY Change (2024)

183

HPI Index (2000 = 100)

+83%

Total Change Since 2000

Home values in ZIP 48616 have increased 10.2% over the past year (2024). Since 2000, this ZIP has seen +83% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.7% 115
2021 +14.2% 131
2022 +22.3% 160
2023 +3.5% 166
2024 +10.2% 183

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 149 business establishments in ZIP 48616, employing approximately 1,369 people with a combined annual payroll of $53,141,000.

149

Businesses

1,369

Employees

$53.1M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Retail trade 35 23.5%
Construction 20 13.4%
Accommodation and food services 17 11.4%
Health care and social assistance 15 10.1%
Other services (except public administration) 14 9.4%
Finance and insurance 11 7.4%
Professional, scientific, and technical services 7 4.7%
Administrative and support and waste management and remediation services 6 4.0%
Manufacturing 5 3.4%
Wholesale trade 5 3.4%
Arts, entertainment, and recreation 5 3.4%
Real estate and rental and leasing 4 2.7%
Transportation and warehousing 3 2.0%

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 48616 vs 48649 →

ZIP 48616 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 48616 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 48616 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 48616 ranks #3 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
48649 Oakley, MI 1,576 5.8 mi
48655 Saint Charles, MI 6,460 7.3 mi
48460 New Lothrop, MI 2,330 7.7 mi
48841 Henderson, MI 826 8.3 mi

More ZIP Codes in Saginaw County

48601 standard
Saginaw, MI
Pop: 38,406
48602 standard
Saginaw, MI
Pop: 30,119
48603 standard
Saginaw, MI
Pop: 26,913
48623 standard
Freeland, MI
Pop: 13,993
48604 standard
Saginaw, MI
Pop: 13,074
48638 standard
Saginaw, MI
Pop: 12,922

Related Areas

Saginaw County Chesaning, MI Michigan

Frequently Asked Questions

What county is ZIP code 48616 in? ▼
ZIP code 48616 (Chesaning) is located in Saginaw County, Michigan. Saginaw County contains multiple ZIP codes, see the full list at /counties/saginaw-mi.
What is the population of ZIP code 48616? ▼
ZIP code 48616 in Chesaning, MI has a population of 7,513 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 48616? ▼
The median household income in ZIP 48616 is $66,819, which is 12% below the national average of $76,288.
What is the average home value in ZIP 48616? ▼
The median home value in ZIP 48616 is $163,100, which is 41% below the national average of $278,155.
What is the demographic makeup of ZIP 48616? ▼
The largest racial group in ZIP 48616 is White at 92.6%. Hispanic or Latino residents make up 4.4% of the population.
How many businesses are in ZIP code 48616? ▼
ZIP code 48616 has 149 business establishments employing approximately 1,369 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 48616? ▼
The top industries by establishment count in ZIP 48616 are: Retail trade (35), Construction (20), Accommodation and food services (17). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 48616? ▼
According to the FHFA House Price Index, home values in ZIP 48616 increased by 10.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 83%. 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 48616? ▼
In ZIP code 48616, 54.2% of residents aged 25+ have a high school diploma or higher, and 13.4% 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 48616? ▼
The mean commute time for workers in ZIP code 48616 is 25.0 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 48616? ▼
In ZIP code 48616, approximately 84.7% of occupied housing units are owner-occupied and 15.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 48616? ▼
The poverty rate in ZIP code 48616 is 10.6% 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.