PlainZIP

Saint Charles, MI · standard

ZIP Code 48655

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

6,460
26/sq mi
$66,115
Median income
$175,700
Median home value
18.8%
Bachelor's or higher

The verdict

Saint Charles pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

40th pct
household income, US ZIPs
37th pct
home value, US ZIPs
26
people per sq mi
86%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 48655 against every reporting US ZIP.

ZIP code 48655 is a mid-sized community (a standard USPS delivery area) in Saint Charles, Saginaw County, Michigan, home to 6,460 residents across 244.7 square miles, a density of 26 people per square mile, in the Detroit time zone.

ZIP 48655 reports a modest median household income of $66,115 (10% below the Michigan average), while per-capita income is $35,440. Local economic indicators show a 9.3% poverty rate alongside 3.9% unemployment. On housing, the median home value is $175,700 (20% below the state average) with median rent at $581 per month, and 85.7% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 18.8% of adults hold a bachelor's degree or higher, the median age is 46.7, and the average commute is 32 minutes. Beyond these figures, 6 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Saginaw County, letting you compare 48655 to its immediate surroundings rather than a national baseline 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 →

Top industries in ZIP 48655

Top 5 sectors by establishment count in Saint Charles, MI

Which industries have the most business establishments in ZIP 48655.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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 48655, Saint Charles, 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

6,460

Population

244.7

Area (sq mi)

26

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 48655?

46.7

Median Age

50.6%

Male

49.4%

Female

0.6%

Foreign-Born

White 90.6%
African American 3.9%
Asian 0.5%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.3%
Hispanic or Latino 5.7%

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?

$66,115

Median Household Income

-10% vs state

$35,440

Per Capita Income

9.3%

Poverty Rate

3.9%

Unemployment Rate

31.9 min

Mean Commute Time

How ZIP 48655 ranks nationally

Saint Charles, MI household income vs. every US ZIP code

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

$66,115 40th percentile higher than 40% 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 55.6%
Bachelor's Degree or Higher 18.8%

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

What does housing look like?

2,570

Total Housing Units

2,387

Occupied Units

183

Vacant Units

2.39

Avg Household Size

Occupancy Type

Owner 85.7%
Renter 14.3%

$175,700

Median Home Value

-20% vs state

$581

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

+16.7%

YoY Change (2024)

195

HPI Index (2000 = 100)

+95%

Total Change Since 2000

Home values in ZIP 48655 have increased 16.7% over the past year (2024). Since 2000, this ZIP has seen +95% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.2% 123
2021 +15.6% 143
2022 +15.8% 165
2023 +1.1% 167
2024 +16.7% 195

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 82 business establishments in ZIP 48655, employing approximately 607 people with a combined annual payroll of $20,535,000.

82

Businesses

607

Employees

$20.5M

Annual Payroll

8

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 12 14.6%
Other services (except public administration) 12 14.6%
Construction 11 13.4%
Manufacturing 10 12.2%
Retail trade 8 9.8%
Professional, scientific, and technical services 7 8.5%
Accommodation and food services 7 8.5%
Administrative and support and waste management and remediation services 4 4.9%

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 48655 vs 48616 →

ZIP 48655 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 48655 ranks #4 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 48655 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 48655 ranks #6 of 7 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
48616 Chesaning, MI 7,513 7.3 mi
48609 Saginaw, MI 12,461 7.5 mi
48614 Brant, MI 1,376 7.8 mi
48649 Oakley, MI 1,576 9.8 mi
48626 Hemlock, MI 6,078 9.6 mi
48638 Saginaw, MI 12,922 11.1 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 Saint Charles, MI Michigan

Frequently Asked Questions

What county is ZIP code 48655 in? ▼
ZIP code 48655 (Saint Charles) 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 48655? ▼
ZIP code 48655 in Saint Charles, MI has a population of 6,460 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 48655? ▼
The median household income in ZIP 48655 is $66,115, which is 13% below the national average of $76,288.
What is the average home value in ZIP 48655? ▼
The median home value in ZIP 48655 is $175,700, which is 37% below the national average of $278,155.
What is the demographic makeup of ZIP 48655? ▼
The largest racial group in ZIP 48655 is White at 90.6%. Hispanic or Latino residents make up 5.7% of the population.
How many businesses are in ZIP code 48655? ▼
ZIP code 48655 has 82 business establishments employing approximately 607 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 48655? ▼
The top industries by establishment count in ZIP 48655 are: Health care and social assistance (12), Other services (except public administration) (12), Construction (11). There are 8 industry sectors represented in total.
How have home values changed in ZIP code 48655? ▼
According to the FHFA House Price Index, home values in ZIP 48655 increased by 16.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 95%. 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 48655? ▼
In ZIP code 48655, 55.6% of residents aged 25+ have a high school diploma or higher, and 18.8% 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 48655? ▼
The mean commute time for workers in ZIP code 48655 is 31.9 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 48655? ▼
In ZIP code 48655, approximately 85.7% of occupied housing units are owner-occupied and 14.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 48655? ▼
The poverty rate in ZIP code 48655 is 9.3% 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.