PlainZIP

Oakley, MI · standard

ZIP Code 48649

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

1,576
24/sq mi
$72,609
Median income
$164,200
Median home value
15.5%
Bachelor's or higher

The verdict

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

Top 49%
household income, US ZIPs
32th pct
home value, US ZIPs
24
people per sq mi
89%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 48649 against every reporting US ZIP.

ZIP code 48649 covers 67.1 square miles in Oakley, Saginaw County, Michigan (a standard USPS delivery area), with a modest 1,576 residents on file, a density of 24 people per square mile, in the Detroit time zone.

ZIP 48649 lands in the middle-income range, with a median household income of $72,609 (1% below the Michigan average), while per-capita income is $38,443. 7.4% of residents live below the poverty line, and the unemployment rate reads 5.3%. Median home value sits at $164,200 (25% below the state average), median rent at $799 a month, and owner-occupancy at 88.9%.

Educational attainment sits below the national norm: 15.5% of adults hold a bachelor's degree or higher, the median age is 51.3, and the average commute is 35 minutes. A geography-based comparison follows: 4 ZIP codes within about 10 miles of 48649, plus 6 more within Saginaw 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 →

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 48649, Oakley, 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

1,576

Population

67.1

Area (sq mi)

24

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 48649?

51.3

Median Age

49.7%

Male

50.3%

Female

0.5%

Foreign-Born

White 92.2%
African American 2.1%
Asian 0.0%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.9%
Hispanic or Latino 8.4%

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?

$72,609

Median Household Income

-1% vs state

$38,443

Per Capita Income

7.4%

Poverty Rate

5.3%

Unemployment Rate

35.3 min

Mean Commute Time

How ZIP 48649 ranks nationally

Oakley, MI household income vs. every US ZIP code

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

$72,609 Top 49% higher than 51% 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 53.6%
Bachelor's Degree or Higher 15.5%

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

What does housing look like?

703

Total Housing Units

682

Occupied Units

21

Vacant Units

2.49

Avg Household Size

Occupancy Type

Owner 88.9%
Renter 11.1%

$164,200

Median Home Value

-25% vs state

$799

Median Rent

1977

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

-23.2%

YoY Change (2023)

164

HPI Index (2000 = 100)

+64%

Total Change Since 2000

Home values in ZIP 48649 have decreased 23.2% over the past year (2023). Since 2000, this ZIP has seen +64% cumulative appreciation.

Year Annual Change HPI Index
2019 -0.0% 117
2020 +11.2% 130
2021 +13.7% 148
2022 +44.6% 214
2023 -23.2% 164

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 2023. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 18 business establishments in ZIP 48649, employing approximately 118 people with a combined annual payroll of $6,099,000.

18

Businesses

118

Employees

$6.1M

Annual Payroll

2

Industry Sectors

Industry Establishments % of Total
Construction 5 27.8%
Wholesale trade 4 22.2%

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 48649 vs 48841 →

ZIP 48649 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 48649 ranks #3 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 48649 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 48649 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
48841 Henderson, MI 826 3.1 mi
48616 Chesaning, MI 7,513 5.8 mi
48614 Brant, MI 1,376 7.9 mi
48655 Saint Charles, MI 6,460 9.8 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 Oakley, MI Michigan

Frequently Asked Questions

What county is ZIP code 48649 in? ▼
ZIP code 48649 (Oakley) 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 48649? ▼
ZIP code 48649 in Oakley, MI has a population of 1,576 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 48649? ▼
The median household income in ZIP 48649 is $72,609, which is 5% below the national average of $76,288.
What is the average home value in ZIP 48649? ▼
The median home value in ZIP 48649 is $164,200, which is 41% below the national average of $278,155.
What is the demographic makeup of ZIP 48649? ▼
The largest racial group in ZIP 48649 is White at 92.2%. Hispanic or Latino residents make up 8.4% of the population.
How many businesses are in ZIP code 48649? ▼
ZIP code 48649 has 18 business establishments employing approximately 118 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
How have home values changed in ZIP code 48649? ▼
According to the FHFA House Price Index, home values in ZIP 48649 decreased by 23.2% in 2023. Since 2000, home values in this ZIP have appreciated by approximately 64%. 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 48649? ▼
In ZIP code 48649, 53.6% of residents aged 25+ have a high school diploma or higher, and 15.5% 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 48649? ▼
The mean commute time for workers in ZIP code 48649 is 35.3 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 48649? ▼
In ZIP code 48649, approximately 88.9% of occupied housing units are owner-occupied and 11.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 48649? ▼
The poverty rate in ZIP code 48649 is 7.4% 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.