Residential delivery area · Michigan
ZIP Code 48654: Rose City, MI
ZIP code 48654 uses the postal name Rose City, Michigan and lies mostly in Ogemaw County (77% of its land) with the rest in Oscoda County (Census 2020 ZIP-county file). About 2,400 people live there (Census Bureau, ACS 2020-2024). Median household income is $45,202 (Census Bureau, ACS 2020-2024). By Census place, 1% of its land lies in Rose City; 99% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Rose City · its only residential ZIP
- County
- Ogemaw County (77%); Oscoda County (23%)
- Census places
- Rose City
- House district
- MI-1 119th Congress
- State
- Michigan
- Time zone
- Eastern
- Land area
- 98.4 sq mi · 24 people per sq mi
Where is ZIP code 48654?
48654 centers on 44.477°, -84.118° and covers 98.4 square miles of land plus 1.2 of water. It borders 4 ZIP codes: 48635, 48636, 48647, 48661.
The map draws ZIP code areas only. For the streets inside 48654, 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 48654 compare with the rest of Ogemaw County?
| Measure | 48654 | In Ogemaw County | In MI |
|---|---|---|---|
| People (ACS 2020-2024) | 2,384 | 6th of 8 | 645th of 992 |
| Median household income | $45k | 7th of 7 | 729th of 774 |
| Median home value | $141k | 6th of 7 | 682nd of 779 |
Its median household income is higher than in 9% of U.S. residential ZIP codes, and it is denser than 29% 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 48654?
The 2020 Census counted 2,284 people in 48654; the ACS, which samples households over 2020-2024, estimates 2,384. Between the 2010 and 2020 censuses its population fell 9.4% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 2,384±300 (90% margin)
- 2020 Census count
- 2,284−9.4% since 2010 (2,521)
- Households
- 1,095
- Median age
- 58.2
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 48654?
Of the 2,384 people the ACS estimates in 48654, 17.1% are under 18 and 31.4% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (95.6%).
- Under 1817.1%
- 18 to 6451.5%
- 65 and older31.4%
- White, not Hispanic95.6%
- Other or two or more2.1%
- Hispanic or Latino1.6%
- Black, not Hispanic0.7%
- 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 48654 earn?
Median household income is $45,202 (ACS 2020-2024), the 7th highest of the 7 ranked ZIP codes in Ogemaw County. It is not measurably different from 2015-2019 ($48,844 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $45,202±$5,843
- Income per person
- $30,047
- Below the poverty line
- 18.7%
- Unemployed (of the labor force)
- 5.9%
- Adults 25+ with a bachelor's degree
- 18.5%
- Adjusted gross income per tax return, 2022
- $49,3251,080 returns; wages 59% 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 48654?
FHFA's house price index for 48654, built from repeat sales and appraisals of the same homes, rose 88% from 2015 to 2025 and rose 64% from 2020 to 2025, and moved +10.9% in 2025.
- Median home value (owners' estimate)
- $140,800
- Median gross rent
- $732
- Homes owned by their occupants
- 84.2%
- Housing units
- 1,965
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 48654?
68 business establishments had a location in this ZIP code in 2023, 6 fewer than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade12
- Accommodation and food services10
- Manufacturing9
- Other services (except public administration)8
- Finance and insurance5
- Health care and social assistance5
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 48654?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 48635 | Lupton | 1,546 | $58k | 8.7 mi |
| 48636 | Luzerne | 938 | $66k | 11.2 mi |
| 48647 | Mio | 3,980 | $47k | 12.1 mi |
| 48661 | West Branch | 10,618 | $61k | 12.4 mi |
| 48761 | South Branch | 799 | $47k | 11.4 mi (near) |
| 48743 | Long Lake | 30 | – | 12.8 mi (near) |
| 48739 | Hale | 3,629 | $53k | 15.3 mi (near) |
| 48621 | Fairview | 1,126 | $51k | 17.7 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.