Residential delivery area · Michigan
ZIP Code 48649: Oakley, MI
ZIP code 48649 uses the postal name Oakley, Michigan and lies mostly in Saginaw County (94% of its land) with the rest in Shiawassee County (Census 2020 ZIP-county file). About 1,700 people live there (Census Bureau, ACS 2020-2024). Median household income is $72,609 (Census Bureau, ACS 2020-2024). By Census place, 4% of its land lies in Oakley; 96% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Oakley · its only residential ZIP
- County
- Saginaw County (94%); Shiawassee County (6%)
- Census places
- Oakley
- Metro area
- Saginaw, MI
- House districts
- MI-8 (94%), MI-7 (6%) 119th Congress, by share of land
- State
- Michigan
- Time zone
- Eastern
- Land area
- 27.5 sq mi · 62 people per sq mi
Where is ZIP code 48649?
48649 centers on 43.150°, -84.217° and covers 27.5 square miles of land plus 0.1 of water. It borders 4 ZIP codes: 48841, 48616, 48831, 48867.
The map draws ZIP code areas only. For the streets inside 48649, 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 48649 compare with the rest of Saginaw County?
| Measure | 48649 | In Saginaw County | In MI |
|---|---|---|---|
| People (ACS 2020-2024) | 1,699 | 21st of 27 | 725th of 992 |
| Median household income | $73k | 8th of 21 | 356th of 774 |
| Median home value | $164k | 13th of 21 | 556th of 779 |
Its median household income is higher than in 51% of U.S. residential ZIP codes, and it is denser than 46% 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 48649?
The 2020 Census counted 1,634 people in 48649; the ACS, which samples households over 2020-2024, estimates 1,699. Between the 2010 and 2020 censuses its population grew 3.7% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 1,699±250 (90% margin)
- 2020 Census count
- 1,634+3.7% since 2010 (1,576)
- Households
- 682
- Median age
- 51.3
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 48649?
Of the 1,699 people the ACS estimates in 48649, 20.1% are under 18 and 18.5% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (87.2%).
- Under 1820.1%
- 18 to 6461.4%
- 65 and older18.5%
- White, not Hispanic87.2%
- Hispanic or Latino8.4%
- Other or two or more2.4%
- Black, not Hispanic2.1%
- Asian, 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 48649 earn?
Median household income is $72,609 (ACS 2020-2024), the 8th highest of the 21 ranked ZIP codes in Saginaw County. It is not measurably different from 2015-2019 ($63,001 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $72,609±$12,308
- Income per person
- $38,443
- Below the poverty line
- 7.4%
- Unemployed (of the labor force)
- 5.4%
- Adults 25+ with a bachelor's degree
- 15.5%
- Adjusted gross income per tax return, 2022
- $54,854800 returns; wages 74% 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 48649?
FHFA's house price index for 48649, built from repeat sales and appraisals of the same homes, rose 55% from 2020 to 2025.
- Median home value (owners' estimate)
- $164,200
- Median gross rent
- $799
- Homes owned by their occupants
- 88.9%
- Housing units
- 703
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 48649?
18 business establishments had a location in this ZIP code in 2023, 6 more than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction5
- Wholesale trade4
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 48649?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 48841 | Henderson | 729 | $60k | 2.9 mi |
| 48616 | Chesaning | 7,577 | $67k | 5.9 mi |
| 48831 | Elsie | 3,088 | $63k | 8.7 mi |
| 48867 | Owosso | 27,500 | $60k | 10.1 mi |
| 48614 | Brant | 943 | $63k | 8.0 mi (near) |
| 48807 | Bannister | 658 | $61k | 9.3 mi (near) |
| 48655 | Saint Charles | 5,760 | $66k | 10.4 mi (near) |
| 48460 | New Lothrop | 2,701 | $80k | 11.9 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.