PlainZIP

Merrill, MI · standard

ZIP Code 48637

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

3,359
18/sq mi
$65,865
Median income
$158,600
Median home value
15.3%
Bachelor's or higher

The verdict

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

40th pct
household income, US ZIPs
29th pct
home value, US ZIPs
18
people per sq mi
91%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 48637 against every reporting US ZIP.

ZIP code 48637 covers 188.7 square miles in Merrill, Saginaw County, Michigan (a standard USPS delivery area), with a modest 3,359 residents on file, a density of 18 people per square mile, in the Detroit time zone.

ZIP 48637 reports a modest median household income of $65,865 (10% below the Michigan average), while per-capita income is $32,546. Poverty here runs at 15.1%, with unemployment measured at 11.9%. Median home value sits at $158,600 (28% below the state average), median rent at $740 a month, and owner-occupancy at 91.3%.

Educational attainment sits below the national norm: 15.3% of adults hold a bachelor's degree or higher, the median age is 45.6, and the average commute is 33 minutes. Beyond these figures, 3 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Saginaw County, letting you compare 48637 to its immediate surroundings rather than a national baseline 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 48637

Top 5 sectors by establishment count in Merrill, MI

Which industries have the most business establishments in ZIP 48637.

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 48637, Merrill, 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

3,359

Population

188.7

Area (sq mi)

18

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 48637?

45.6

Median Age

50.0%

Male

50.0%

Female

2.1%

Foreign-Born

White 89.8%
African American 0.0%
Asian 0.1%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.0%
Hispanic or Latino 10.9%

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?

$65,865

Median Household Income

-10% vs state

$32,546

Per Capita Income

15.1%

Poverty Rate

11.9%

Unemployment Rate

33.1 min

Mean Commute Time

How ZIP 48637 ranks nationally

Merrill, MI household income vs. every US ZIP code

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

$65,865 40th percentile higher than 40% 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 60.7%
Bachelor's Degree or Higher 15.3%

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

What does housing look like?

1,339

Total Housing Units

1,257

Occupied Units

82

Vacant Units

2.40

Avg Household Size

Occupancy Type

Owner 91.3%
Renter 8.7%

$158,600

Median Home Value

-28% vs state

$740

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

+5.7%

YoY Change (2024)

188

HPI Index (2000 = 100)

+88%

Total Change Since 2000

Home values in ZIP 48637 have increased 5.7% over the past year (2024). Since 2000, this ZIP has seen +88% cumulative appreciation.

Year Annual Change HPI Index
2020 -1.0% 122
2021 +9.4% 134
2022 +19.4% 160
2023 +11.1% 178
2024 +5.7% 188

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 32 business establishments in ZIP 48637, employing approximately 180 people with a combined annual payroll of $9,826,000.

32

Businesses

180

Employees

$9.8M

Annual Payroll

6

Industry Sectors

Industry Establishments % of Total
Accommodation and food services 6 18.8%
Transportation and warehousing 4 12.5%
Health care and social assistance 4 12.5%
Other services (except public administration) 4 12.5%
Wholesale trade 3 9.4%
Professional, scientific, and technical services 3 9.4%

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 48637 vs 48662 →

ZIP 48637 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 48637 ranks #2 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 48637 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 48637 ranks #4 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
48662 Wheeler, MI 1,594 3.7 mi
48626 Hemlock, MI 6,078 5.6 mi
48615 Breckenridge, MI 3,058 6.9 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 Merrill, MI Michigan

Frequently Asked Questions

What county is ZIP code 48637 in? ▼
ZIP code 48637 (Merrill) 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 48637? ▼
ZIP code 48637 in Merrill, MI has a population of 3,359 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 48637? ▼
The median household income in ZIP 48637 is $65,865, which is 14% below the national average of $76,288.
What is the average home value in ZIP 48637? ▼
The median home value in ZIP 48637 is $158,600, which is 43% below the national average of $278,155.
What is the demographic makeup of ZIP 48637? ▼
The largest racial group in ZIP 48637 is White at 89.8%. Hispanic or Latino residents make up 10.9% of the population.
How many businesses are in ZIP code 48637? ▼
ZIP code 48637 has 32 business establishments employing approximately 180 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 48637? ▼
The top industries by establishment count in ZIP 48637 are: Accommodation and food services (6), Transportation and warehousing (4), Health care and social assistance (4). There are 6 industry sectors represented in total.
How have home values changed in ZIP code 48637? ▼
According to the FHFA House Price Index, home values in ZIP 48637 increased by 5.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 88%. 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 48637? ▼
In ZIP code 48637, 60.7% of residents aged 25+ have a high school diploma or higher, and 15.3% 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 48637? ▼
The mean commute time for workers in ZIP code 48637 is 33.1 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 48637? ▼
In ZIP code 48637, approximately 91.3% of occupied housing units are owner-occupied and 8.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 48637? ▼
The poverty rate in ZIP code 48637 is 15.1% 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.