Pinconning, MI · standard
ZIP Code 48650
Bay County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 7,253
- 29/sq mi Moderate-density area
- $61,911
- Median income Below-median income area
- $151,800
- Median home value Below-median home value
- 17.7%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Pinconning pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.
- 33rd pct
- household income, US ZIPs
- 26th pct
- home value, US ZIPs
- 29
- people per sq mi
- 86%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 48650 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 48650 (Pinconning, MI) rose +13.5% from 2023 to 2024. The all-transactions index moved from 168.7 in 2023 to 191.6 in 2024 (2000 = 100).
ZIP code 48650 is a mid-sized community (a standard USPS delivery area) in Pinconning, Bay County, Michigan, home to 7,253 residents across 253.6 square miles, a density of 29 people per square mile, in the Detroit time zone.
ZIP 48650 reports a modest median household income of $61,911 (16% below the average Michigan ZIP), while per-capita income is $33,223. The poverty rate is 14.1%, with unemployment at 5.9%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $151,800 (31% below the average Michigan ZIP), and median rent is $774; owner occupancy is 85.8%.
Educational attainment sits below the national norm: 17.7% of adults hold a bachelor's degree or higher, the median age is 46.5, and the average commute is 27 minutes. The page also surfaces 2 ZIP codes within roughly 10 miles and 6 more in Bay County, so 48650 can be compared with both its immediate and county-level context.
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 48650
Top 5 sectors by establishment count in Pinconning, MI
Which industries have the most business establishments in ZIP 48650.
- Retail trade
Retail trade
31 establishments
- Accommodation and food services
Accommodation and food services
14 establishments
- Health care and social assistance 12
Health care and social assistance
12 establishments
- Other services (except public administration) 11
Other services (except public administration)
11 establishments
- Construction 9
Construction
9 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 48650, Pinconning, 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
7,253
Population
253.6
Area (sq mi)
29
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 48650?
46.5
Median Age
53.5%
Male
46.5%
Female
1.3%
Foreign-Born
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?
$61,911
Median Household Income
-16% vs state ZIP avg
$33,223
Per Capita Income
14.1%
Poverty Rate
5.9%
Unemployment Rate
26.8 min
Mean Commute Time
How ZIP 48650 ranks among Michigan ZIPs
Pinconning, MI household income vs. every Michigan ZIP code
Median household income among 962 reporting Michigan ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$61,911 34th percentile higher than 34% of 962 Michigan ZIPs
Each bar is a $20K-wide band; taller bars hold more Michigan 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
3,022housing units
3,022
Total Housing Units
2,725
Occupied Units
297
Vacant Units
2.38
Avg Household Size
Occupancy Type
$151,800
Median Home Value
-31% vs state ZIP avg
$774
Median Rent
1971
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
+13.5%
YoY Change (2024)
192
HPI Index (2000 = 100)
+92%
Total Change Since 2000
Home values in ZIP 48650 have increased 13.5% over the past year (2024). Since 2000, this ZIP has seen +92% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +6.3% | 125 |
| 2021 | +18.1% | 147 |
| 2022 | +10.2% | 162 |
| 2023 | +4.0% | 169 |
| 2024 | +13.5% | 192 |
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 124 business establishments in ZIP 48650, employing approximately 1,243 people with a combined annual payroll of $46,368,000.
124
Businesses
1,243
Employees
$46.4M
Annual Payroll
12
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 31 | 25.0% |
| Accommodation and food services | 14 | 11.3% |
| Health care and social assistance | 12 | 9.7% |
| Other services (except public administration) | 11 | 8.9% |
| Construction | 9 | 7.3% |
| Manufacturing | 9 | 7.3% |
| Administrative and support and waste management and remediation services | 8 | 6.5% |
| Finance and insurance | 7 | 5.7% |
| Information | 6 | 4.8% |
| Professional, scientific, and technical services | 6 | 4.8% |
| Agriculture, forestry, fishing and hunting | 3 | 2.4% |
| Wholesale trade | 3 | 2.4% |
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 48650 vs 48634 →
ZIP 48650 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 48650
Pinconning (48650)
7,253 residents
- 48658
Standish (48658)
5,138 residents
- 48634
Linwood (48634)
4,371 residents
What this shows Among its immediate neighbors, ZIP 48650 ranks the most populous - useful context the national average alone can't give.
ZIP 48650 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 48634
Linwood (48634)
$87,992 median income
- 48650
Pinconning (48650)
$61,911 median income
- 48658
Standish (48658)
$53,750 median income
What this shows By household income, ZIP 48650 ranks #2 of 3 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 48650, both outside MI so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (7,253 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Bay County
Related Areas
Frequently Asked Questions
What county is ZIP code 48650 in?
ZIP code 48650 (Pinconning) is located in Bay County, Michigan. Bay County contains multiple ZIP codes, see the full list at /counties/bay-mi.
What is the population of ZIP code 48650?
ZIP code 48650 in Pinconning, MI has a population of 7,253 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 48650?
The median household income in ZIP 48650 is $61,911, which is 19% below the national average of $76,288.
What is the average home value in ZIP 48650?
The median home value in ZIP 48650 is $151,800, which is 45% below the national average of $278,155.
What is the demographic makeup of ZIP 48650?
The largest racial group in ZIP 48650 is White at 92.9%. Hispanic or Latino residents make up 2.7% of the population.
How many businesses are in ZIP code 48650?
ZIP code 48650 has 124 business establishments employing approximately 1,243 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 48650?
The top industries by establishment count in ZIP 48650 are: Retail trade (31), Accommodation and food services (14), Health care and social assistance (12). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 48650?
According to the FHFA House Price Index, home values in ZIP 48650 increased by 13.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 92%. 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 48650?
In ZIP code 48650, 57.6% of residents aged 25+ have a high school diploma or higher, and 17.7% 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 48650?
The mean commute time for workers in ZIP code 48650 is 26.8 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 48650?
In ZIP code 48650, approximately 85.8% of occupied housing units are owner-occupied and 14.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 48650?
The poverty rate in ZIP code 48650 is 14.1% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 48650's numbers, next.
- See how ZIP 48650 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Pinconning, MI ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.