ZIP Code 48638

ZIP code 48638 is classified by USPS as a standard delivery area and covers roughly 17.1 square miles in Saginaw, Saginaw County, Michigan. The area is home to 12,922 residents, producing a population density of 755 people per square mile, and falls within the Detroit time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 48638 against Michigan and the nation.

On the economic side, the median household income for ZIP 48638 sits at $69,459 (5% below the Michigan average), while per-capita income is $42,122. The poverty rate stands at 13.4% and the unemployment rate at 3.8%. On housing, the median home value is $172,600 (21% below the state average) with median rent at $949 per month, and 62.1% of occupied units are owner-occupied, a direct signal of whether 48638 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 34.4% of adults hold a bachelor's degree or higher, the median age is 43.6, and the average commute is 24 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Saginaw County, so you can benchmark 48638 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →