Residential delivery area · Michigan
ZIP Code 48637: Merrill, MI
ZIP code 48637 uses the postal name Merrill, Michigan and lies mostly in Saginaw County (69% of its land), reaching into Midland County and Gratiot County (Census 2020 ZIP-county file). About 3,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $65,865 (Census Bureau, ACS 2020-2024). By Census place, 1% of its land lies in Merrill; 99% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Merrill · its only residential ZIP
- County
- Saginaw County (69%); Midland County (19%); Gratiot County (12%)
- Census places
- Merrill
- Metro area
- Saginaw, MI
- House districts
- MI-8 (88%), MI-2 (12%) 119th Congress, by share of land
- State
- Michigan
- Time zone
- Eastern
- Land area
- 70.9 sq mi · 43 people per sq mi
Where is ZIP code 48637?
48637 centers on 43.414°, -84.336° and covers 70.9 square miles of land plus 0.1 of water. It borders 5 ZIP codes: 48662, 48626, 48640, 48655, 48623.
The map draws ZIP code areas only. For the streets inside 48637, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 48637 compare with the rest of Saginaw County?
| Measure | 48637 | In Saginaw County | In MI |
|---|---|---|---|
| People (ACS 2020-2024) | 3,024 | 18th of 27 | 592nd of 992 |
| Median household income | $66k | 16th of 21 | 468th of 774 |
| Median home value | $159k | 16th of 21 | 600th of 779 |
Its median household income is higher than in 40% of U.S. residential ZIP codes, and it is denser than 39% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 48637?
The 2020 Census counted 3,120 people in 48637; the ACS, which samples households over 2020-2024, estimates 3,024. Between the 2010 and 2020 censuses its population fell 7.1% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 3,024
- 2020 Census count
- 3,120−7.1% since 2010 (3,359)
- Households
- 1,257
- Median age
- 45.6
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 48637?
Of the 3,024 people the ACS estimates in 48637, 21.5% are under 18 and 25.6% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (87.6%), then Hispanic or Latino (10.9%).
- Under 1821.5%
- 18 to 6452.8%
- 65 and older25.6%
- White, not Hispanic87.6%
- Hispanic or Latino10.9%
- Other or two or more1.3%
- Asian, not Hispanic0.1%
- Black, not Hispanic0.0%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 48637 earn?
Median household income is $65,865 (ACS 2020-2024), the 16th highest of the 21 ranked ZIP codes in Saginaw County. It is not measurably different from 2015-2019 ($63,107 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $65,865±$8,702
- Income per person
- $32,546
- Below the poverty line
- 15.1%
- Unemployed (of the labor force)
- 11.9%
- Adults 25+ with a bachelor's degree
- 15.3%
- Adjusted gross income per tax return, 2022
- $63,1971,590 returns; wages 68% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 48637?
FHFA's house price index for 48637, built from repeat sales and appraisals of the same homes, rose 104% from 2015 to 2025 and rose 57% from 2020 to 2025, and moved +2.9% in 2025.
- Median home value (owners' estimate)
- $158,600
- Median gross rent
- $740
- Homes owned by their occupants
- 91.3%
- Housing units
- 1,339
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 48637?
32 business establishments had a location in this ZIP code in 2023, 1 fewer than in 2018; the most are in accommodation and food services (ZIP Code Business Patterns).
- Accommodation and food services6
- Transportation and warehousing4
- Health care and social assistance4
- Other services (except public administration)4
- Wholesale trade3
- Professional, scientific, and technical services3
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 48637?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 48662 | Wheeler | 1,185 | $70k | 4.2 mi |
| 48626 | Hemlock | 5,766 | $84k | 5.8 mi |
| 48640 | Midland | 32,492 | $81k | 11.6 mi |
| 48655 | Saint Charles | 5,760 | $66k | 12.1 mi |
| 48623 | Freeland | 15,129 | $101k | 12.5 mi |
| 48615 | Breckenridge | 3,061 | $70k | 7.0 mi (near) |
| 48614 | Brant | 943 | $63k | 11.4 mi (near) |
| 48880 | Saint Louis | 9,994 | $60k | 12.6 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.