Kawkawlin, MI · standard
ZIP Code 48631
Bay County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 4,643
- 54/sq mi Moderate-density area
- $74,398
- Median income Near-median income area
- $172,200
- Median home value Near-median home value
- 16.5%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Kawkawlin pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.
- Top 46%
- household income, US ZIPs
- 35th pct
- home value, US ZIPs
- 54
- people per sq mi
- 78%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 48631 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 48631 (Kawkawlin, MI) rose +6.5% from 2023 to 2024. The all-transactions index moved from 185.1 in 2023 to 197.1 in 2024 (2000 = 100).
ZIP code 48631 covers 85.8 square miles in Kawkawlin, Bay County, Michigan (a standard USPS delivery area), with a modest 4,643 residents on file, a density of 54 people per square mile, in the Detroit time zone.
ZIP 48631 lands in the middle-income range, with a median household income of $74,398 (1% above the average Michigan ZIP), while per-capita income is $44,552. The poverty rate is 8.3%, with unemployment at 1.6%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $172,200 (22% below the average Michigan ZIP), and median rent is $820; owner occupancy is 77.6%.
Educational attainment sits below the national norm: 16.5% of adults hold a bachelor's degree or higher, the median age is 50.7, and the average commute is -. The page also surfaces 4 ZIP codes within roughly 10 miles and 6 more in Bay County, so 48631 can be compared with both its immediate and county-level context.
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 48631
Top 5 sectors by establishment count in Kawkawlin, MI
Which industries have the most business establishments in ZIP 48631.
- Construction
Construction
15 establishments
- Other services (except public administration)
Other services (except public administration)
14 establishments
- Retail trade
Retail trade
13 establishments
- Wholesale trade
Wholesale trade
9 establishments
- Accommodation and food services
Accommodation and food services
9 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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 48631, Kawkawlin, 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
4,643
Population
85.8
Area (sq mi)
54
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 48631?
50.7
Median Age
52.2%
Male
47.8%
Female
0.0%
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?
$74,398
Median Household Income
+1% vs state ZIP avg
$44,552
Per Capita Income
8.3%
Poverty Rate
1.6%
Unemployment Rate
How ZIP 48631 ranks among Michigan ZIPs
Kawkawlin, MI household income vs. every Michigan ZIP code
Median household income among 962 reporting Michigan ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$74,398 Top 40% higher than 60% of 962 Michigan ZIPs
Each bar is a $20K-wide band; taller bars hold more Michigan 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
1,840housing units
1,840
Total Housing Units
1,698
Occupied Units
142
Vacant Units
2.14
Avg Household Size
Occupancy Type
$172,200
Median Home Value
-22% vs state ZIP avg
$820
Median Rent
1973
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
+6.5%
YoY Change (2024)
197
HPI Index (2000 = 100)
+97%
Total Change Since 2000
Home values in ZIP 48631 have increased 6.5% over the past year (2024). Since 2000, this ZIP has seen +97% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.8% | 139 |
| 2021 | +11.5% | 155 |
| 2022 | +13.5% | 176 |
| 2023 | +4.8% | 185 |
| 2024 | +6.5% | 197 |
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 84 business establishments in ZIP 48631, employing approximately 785 people with a combined annual payroll of $38,968,000.
84
Businesses
785
Employees
$39.0M
Annual Payroll
8
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 15 | 17.9% |
| Other services (except public administration) | 14 | 16.7% |
| Retail trade | 13 | 15.5% |
| Wholesale trade | 9 | 10.7% |
| Accommodation and food services | 9 | 10.7% |
| Transportation and warehousing | 6 | 7.1% |
| Manufacturing | 4 | 4.8% |
| Administrative and support and waste management and remediation services | 4 | 4.8% |
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 48631 vs 48634 →
ZIP 48631 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 48706
Bay City (48706)
40,596 residents
- 48611 6,554
Auburn (48611)
6,554 residents
- 48631 4,643
Kawkawlin (48631)
4,643 residents
- 48634 4,371
Linwood (48634)
4,371 residents
What this shows Among its immediate neighbors, ZIP 48631 ranks #3 by population - useful context the national average alone can't give.
ZIP 48631 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 48634
Linwood (48634)
$87,992 median income
- 48611
Auburn (48611)
$87,963 median income
- 48631
Kawkawlin (48631)
$74,398 median income
- 48706
Bay City (48706)
$62,747 median income
What this shows By household income, ZIP 48631 ranks #3 of 4 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 48631, both outside MI so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (4,643 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Bay County
Related Areas
Frequently Asked Questions
What county is ZIP code 48631 in?
ZIP code 48631 (Kawkawlin) is located in Bay County, Michigan. Bay County contains multiple ZIP codes, see the full list at /counties/bay-mi.
What is the population of ZIP code 48631?
ZIP code 48631 in Kawkawlin, MI has a population of 4,643 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 48631?
The median household income in ZIP 48631 is $74,398, which is 2% below the national average of $76,288.
What is the average home value in ZIP 48631?
The median home value in ZIP 48631 is $172,200, which is 38% below the national average of $278,155.
What is the demographic makeup of ZIP 48631?
The largest racial group in ZIP 48631 is White at 92.3%. Hispanic or Latino residents make up 0.9% of the population.
How many businesses are in ZIP code 48631?
ZIP code 48631 has 84 business establishments employing approximately 785 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 48631?
The top industries by establishment count in ZIP 48631 are: Construction (15), Other services (except public administration) (14), Retail trade (13). There are 8 industry sectors represented in total.
How have home values changed in ZIP code 48631?
According to the FHFA House Price Index, home values in ZIP 48631 increased by 6.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 97%. 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 48631?
In ZIP code 48631, 58.8% of residents aged 25+ have a high school diploma or higher, and 16.5% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 48631?
In ZIP code 48631, approximately 77.6% of occupied housing units are owner-occupied and 22.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 48631?
The poverty rate in ZIP code 48631 is 8.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 48631's numbers, next.
- See how ZIP 48631 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Kawkawlin, MI ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.