PlainZIP

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
$74,398
Median income
$172,200
Median home value
16.5%
Bachelor's or higher

The verdict

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.

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 Michigan average), while per-capita income is $44,552. 8.3% of residents live below the poverty line, and the unemployment rate reads 1.6%. The typical home here is valued at $172,200 (22% below the state average); renters pay a median of $820 monthly, and 77.6% of units are owner-occupied.

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 -. To put 48631 in local context, 4 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Bay County, for a geography-aware comparison.

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.

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 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

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 48631?

50.7

Median Age

52.2%

Male

47.8%

Female

0.0%

Foreign-Born

White 92.3%
African American 0.4%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.9%
Hispanic or Latino 0.9%

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

$44,552

Per Capita Income

8.3%

Poverty Rate

1.6%

Unemployment Rate

How ZIP 48631 ranks nationally

Kawkawlin, MI household income vs. every US ZIP code

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

$74,398 Top 46% higher than 54% 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 58.8%
Bachelor's Degree or Higher 16.5%

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

What does housing look like?

1,840

Total Housing Units

1,698

Occupied Units

142

Vacant Units

2.14

Avg Household Size

Occupancy Type

Owner 77.6%
Renter 22.4%

$172,200

Median Home Value

-22% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 48631 ranks #3 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 48631 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 48631 ranks #3 of 4 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
48634 Linwood, MI 4,371 5.6 mi
48706 Bay City, MI 40,596 6.5 mi
48710 University Center, MI 0 8.9 mi
48611 Auburn, MI 6,554 5.9 mi

More ZIP Codes in Bay County

48706 standard
Bay City, MI
Pop: 40,596
48708 standard
Bay City, MI
Pop: 27,262
48732 standard
Essexville, MI
Pop: 11,483
48650 standard
Pinconning, MI
Pop: 7,253
48611 standard
Auburn, MI
Pop: 6,554
48634 standard
Linwood, MI
Pop: 4,371

Related Areas

Bay County Kawkawlin, MI Michigan

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.

Read our methodology to see how this data is sourced, computed, and verified.