PlainZIP

Hemlock, MI · standard

ZIP Code 48626

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

6,078
37/sq mi
$84,360
Median income
$224,100
Median home value
32.2%
Bachelor's or higher

The verdict

Hemlock pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.

Top 33%
household income, US ZIPs
Top 49%
home value, US ZIPs
37
people per sq mi
93%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 48626 against every reporting US ZIP.

ZIP code 48626 is a mid-sized community (a standard USPS delivery area) in Hemlock, Saginaw County, Michigan, home to 6,078 residents across 165.2 square miles, a density of 37 people per square mile, in the Detroit time zone.

ZIP 48626 lands in the middle-income range, with a median household income of $84,360 (15% above the Michigan average), while per-capita income is $42,864. Poverty here runs at 9.6%, with unemployment measured at 6.3%. Median home value sits at $224,100 (2% above the state average), median rent at $1,103 a month, and owner-occupancy at 93.2%.

A solid share of residents have a four-year degree: 32.2% of adults hold a bachelor's degree or higher, the median age is 47.8, and the average commute is 29 minutes. We also surface 4 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Saginaw County, so you can benchmark 48626 against its immediate geography rather than a national average 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 48626

Top 5 sectors by establishment count in Hemlock, MI

Which industries have the most business establishments in ZIP 48626.

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 48626, Hemlock, 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

6,078

Population

165.2

Area (sq mi)

37

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 48626?

47.8

Median Age

50.6%

Male

49.4%

Female

1.2%

Foreign-Born

White 95.8%
African American 0.0%
Asian 1.0%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 2.5%
Hispanic or Latino 2.0%

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?

$84,360

Median Household Income

+15% vs state

$42,864

Per Capita Income

9.6%

Poverty Rate

6.3%

Unemployment Rate

28.7 min

Mean Commute Time

How ZIP 48626 ranks nationally

Hemlock, MI household income vs. every US ZIP code

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

$84,360 Top 33% higher than 67% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 63.0%
Bachelor's Degree or Higher 32.2%

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

What does housing look like?

2,338

Total Housing Units

2,271

Occupied Units

67

Vacant Units

2.52

Avg Household Size

Occupancy Type

Owner 93.2%
Renter 6.8%

$224,100

Median Home Value

+2% vs state

$1,103

Median Rent

1975

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

+0.3%

YoY Change (2024)

165

HPI Index (2000 = 100)

+65%

Total Change Since 2000

Home values in ZIP 48626 have increased 0.3% over the past year (2024). Since 2000, this ZIP has seen +65% cumulative appreciation.

Year Annual Change HPI Index
2020 +0.2% 119
2021 +9.8% 131
2022 +16.7% 153
2023 +7.6% 165
2024 +0.3% 165

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 95 business establishments in ZIP 48626, employing approximately 2,380 people with a combined annual payroll of $189,169,000.

95

Businesses

2,380

Employees

$189.2M

Annual Payroll

11

Industry Sectors

Industry Establishments % of Total
Construction 21 22.1%
Other services (except public administration) 13 13.7%
Retail trade 10 10.5%
Administrative and support and waste management and remediation services 10 10.5%
Accommodation and food services 9 9.5%
Health care and social assistance 8 8.4%
Manufacturing 6 6.3%
Finance and insurance 5 5.3%
Wholesale trade 4 4.2%
Transportation and warehousing 4 4.2%
Professional, scientific, and technical services 3 3.2%

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 48626 vs 48637 →

ZIP 48626 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 48626 ranks #4 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 48626 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 48626 ranks #2 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
48637 Merrill, MI 3,359 5.6 mi
48609 Saginaw, MI 12,461 7.3 mi
48623 Freeland, MI 13,993 8.1 mi
48655 Saint Charles, MI 6,460 9.6 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 Hemlock, MI Michigan

Frequently Asked Questions

What county is ZIP code 48626 in? ▼
ZIP code 48626 (Hemlock) 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 48626? ▼
ZIP code 48626 in Hemlock, MI has a population of 6,078 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 48626? ▼
The median household income in ZIP 48626 is $84,360, which is 11% above the national average of $76,288.
What is the average home value in ZIP 48626? ▼
The median home value in ZIP 48626 is $224,100, which is 19% below the national average of $278,155.
What is the demographic makeup of ZIP 48626? ▼
The largest racial group in ZIP 48626 is White at 95.8%. Hispanic or Latino residents make up 2.0% of the population.
How many businesses are in ZIP code 48626? ▼
ZIP code 48626 has 95 business establishments employing approximately 2,380 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 48626? ▼
The top industries by establishment count in ZIP 48626 are: Construction (21), Other services (except public administration) (13), Retail trade (10). There are 11 industry sectors represented in total.
How have home values changed in ZIP code 48626? ▼
According to the FHFA House Price Index, home values in ZIP 48626 increased by 0.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 65%. 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 48626? ▼
In ZIP code 48626, 63.0% of residents aged 25+ have a high school diploma or higher, and 32.2% 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 48626? ▼
The mean commute time for workers in ZIP code 48626 is 28.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 48626? ▼
In ZIP code 48626, approximately 93.2% of occupied housing units are owner-occupied and 6.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 48626? ▼
The poverty rate in ZIP code 48626 is 9.6% 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.