PlainZIP

Linwood, MI · standard

ZIP Code 48634

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

4,371
36/sq mi
$87,992
Median income
$167,400
Median home value
23.6%
Bachelor's or higher

The verdict

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

Top 29%
household income, US ZIPs
33th pct
home value, US ZIPs
36
people per sq mi
97%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 48634 against every reporting US ZIP.

ZIP code 48634 covers 120.4 square miles in Linwood, Bay County, Michigan (a standard USPS delivery area), with a modest 4,371 residents on file, a density of 36 people per square mile, in the Detroit time zone.

ZIP 48634 lands in the middle-income range, with a median household income of $87,992 (20% above the Michigan average), while per-capita income is $45,891. Poverty here runs at 6.4%, with unemployment measured at 4.3%. Median home value sits at $167,400 (24% below the state average), median rent at $751 a month, and owner-occupancy at 97.2%.

Educational attainment sits below the national norm: 23.6% of adults hold a bachelor's degree or higher, the median age is 48.1, and the average commute is 27 minutes. A geography-based comparison follows: 4 ZIP codes within about 10 miles of 48634, plus 6 more within Bay County, give a clearer read than the 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 48634

Top 5 sectors by establishment count in Linwood, MI

Which industries have the most business establishments in ZIP 48634.

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 48634, Linwood, 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

4,371

Population

120.4

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 48634?

48.1

Median Age

50.1%

Male

49.9%

Female

0.9%

Foreign-Born

White 93.9%
African American 0.0%
Asian 0.5%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.2%
Hispanic or Latino 1.4%

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?

$87,992

Median Household Income

+20% vs state

$45,891

Per Capita Income

6.4%

Poverty Rate

4.3%

Unemployment Rate

27.4 min

Mean Commute Time

How ZIP 48634 ranks nationally

Linwood, MI household income vs. every US ZIP code

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

$87,992 Top 29% higher than 71% 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 56.5%
Bachelor's Degree or Higher 23.6%

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

What does housing look like?

2,082

Total Housing Units

1,917

Occupied Units

165

Vacant Units

2.26

Avg Household Size

Occupancy Type

Owner 97.2%
Renter 2.8%

$167,400

Median Home Value

-24% vs state

$751

Median Rent

1967

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

-11.0%

YoY Change (2024)

165

HPI Index (2000 = 100)

+65%

Total Change Since 2000

Home values in ZIP 48634 have decreased 11.0% over the past year (2024). Since 2000, this ZIP has seen +65% cumulative appreciation.

Year Annual Change HPI Index
2020 +0.7% 112
2021 +9.9% 123
2022 +10.8% 136
2023 +36.4% 186
2024 -11.0% 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 71 business establishments in ZIP 48634, employing approximately 537 people with a combined annual payroll of $23,753,000.

71

Businesses

537

Employees

$23.8M

Annual Payroll

9

Industry Sectors

Industry Establishments % of Total
Retail trade 18 25.4%
Construction 13 18.3%
Accommodation and food services 8 11.3%
Wholesale trade 7 9.9%
Other services (except public administration) 6 8.4%
Manufacturing 3 4.2%
Finance and insurance 3 4.2%
Professional, scientific, and technical services 3 4.2%
Administrative and support and waste management and remediation services 3 4.2%

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 48634 vs 48631 →

ZIP 48634 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 48634 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 48634 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 48634 ranks the highest 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
48631 Kawkawlin, MI 4,643 5.6 mi
48650 Pinconning, MI 7,253 7.1 mi
48611 Auburn, MI 6,554 8.6 mi
48652 Rhodes, MI 1,548 10.1 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
48631 standard
Kawkawlin, MI
Pop: 4,643

Related Areas

Bay County Linwood, MI Michigan

Frequently Asked Questions

What county is ZIP code 48634 in? ▼
ZIP code 48634 (Linwood) 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 48634? ▼
ZIP code 48634 in Linwood, MI has a population of 4,371 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 48634? ▼
The median household income in ZIP 48634 is $87,992, which is 15% above the national average of $76,288.
What is the average home value in ZIP 48634? ▼
The median home value in ZIP 48634 is $167,400, which is 40% below the national average of $278,155.
What is the demographic makeup of ZIP 48634? ▼
The largest racial group in ZIP 48634 is White at 93.9%. Hispanic or Latino residents make up 1.4% of the population.
How many businesses are in ZIP code 48634? ▼
ZIP code 48634 has 71 business establishments employing approximately 537 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 48634? ▼
The top industries by establishment count in ZIP 48634 are: Retail trade (18), Construction (13), Accommodation and food services (8). There are 9 industry sectors represented in total.
How have home values changed in ZIP code 48634? ▼
According to the FHFA House Price Index, home values in ZIP 48634 decreased by 11.0% 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 48634? ▼
In ZIP code 48634, 56.5% of residents aged 25+ have a high school diploma or higher, and 23.6% 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 48634? ▼
The mean commute time for workers in ZIP code 48634 is 27.4 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 48634? ▼
In ZIP code 48634, approximately 97.2% of occupied housing units are owner-occupied and 2.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 48634? ▼
The poverty rate in ZIP code 48634 is 6.4% 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.