PlainZIP

Essexville, MI · standard

ZIP Code 48732

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

11,483
180/sq mi
$57,903
Median income
$169,600
Median home value
22.1%
Bachelor's or higher

The verdict

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

26th pct
household income, US ZIPs
34th pct
home value, US ZIPs
180
people per sq mi
68%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 48732 against every reporting US ZIP.

ZIP code 48732 is a mid-sized community (a standard USPS delivery area) in Essexville, Bay County, Michigan, home to 11,483 residents across 63.7 square miles, a density of 180 people per square mile, in the Detroit time zone.

ZIP 48732 reports a modest median household income of $57,903 (21% below the Michigan average), while per-capita income is $32,246. Local economic indicators show a 14.3% poverty rate alongside 3.2% unemployment. The typical home here is valued at $169,600 (23% below the state average); renters pay a median of $840 monthly, and 68.4% of units are owner-occupied.

Educational attainment sits below the national norm: 22.1% of adults hold a bachelor's degree or higher, the median age is 43.3, and the average commute is 22 minutes. Beyond these figures, 4 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Bay County, letting you compare 48732 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 48732

Top 5 sectors by establishment count in Essexville, MI

Which industries have the most business establishments in ZIP 48732.

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 48732, Essexville, 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

11,483

Population

63.7

Area (sq mi)

180

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 48732?

43.3

Median Age

50.0%

Male

50.0%

Female

0.1%

Foreign-Born

White 92.6%
African American 1.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.2%
Hispanic or Latino 6.9%

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?

$57,903

Median Household Income

-21% vs state

$32,246

Per Capita Income

14.3%

Poverty Rate

3.2%

Unemployment Rate

22.2 min

Mean Commute Time

How ZIP 48732 ranks nationally

Essexville, MI household income vs. every US ZIP code

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

$57,903 26th percentile higher than 26% 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%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $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 51.4%
Bachelor's Degree or Higher 22.1%

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

What does housing look like?

5,326

Total Housing Units

5,080

Occupied Units

246

Vacant Units

2.21

Avg Household Size

Occupancy Type

Owner 68.4%
Renter 31.6%

$169,600

Median Home Value

-23% vs state

$840

Median Rent

1969

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

+4.2%

YoY Change (2024)

161

HPI Index (2000 = 100)

+61%

Total Change Since 2000

Home values in ZIP 48732 have increased 4.2% over the past year (2024). Since 2000, this ZIP has seen +61% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.5% 108
2021 +16.4% 126
2022 +9.2% 137
2023 +12.6% 154
2024 +4.2% 161

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 142 business establishments in ZIP 48732, employing approximately 1,710 people with a combined annual payroll of $88,072,000.

142

Businesses

1,710

Employees

$88.1M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 29 20.4%
Retail trade 20 14.1%
Other services (except public administration) 20 14.1%
Accommodation and food services 15 10.6%
Finance and insurance 9 6.3%
Construction 8 5.6%
Administrative and support and waste management and remediation services 8 5.6%
Real estate and rental and leasing 7 4.9%
Wholesale trade 5 3.5%
Transportation and warehousing 5 3.5%
Utilities 4 2.8%
Manufacturing 4 2.8%
Professional, scientific, and technical services 4 2.8%

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 48732 vs 48747 →

ZIP 48732 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 48732 ranks #2 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 48732 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 48732 ranks #3 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
48747 Munger, MI 1,494 6.0 mi
48708 Bay City, MI 27,262 4.4 mi
48757 Reese, MI 3,817 10.8 mi
48724 Carrollton, MI 359 12.3 mi

More ZIP Codes in Bay County

48706 standard
Bay City, MI
Pop: 40,596
48708 standard
Bay City, MI
Pop: 27,262
48650 standard
Pinconning, MI
Pop: 7,253
48611 standard
Auburn, MI
Pop: 6,554
48631 standard
Kawkawlin, MI
Pop: 4,643
48634 standard
Linwood, MI
Pop: 4,371

Related Areas

Bay County Essexville, MI Michigan

Frequently Asked Questions

What county is ZIP code 48732 in? ▼
ZIP code 48732 (Essexville) 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 48732? ▼
ZIP code 48732 in Essexville, MI has a population of 11,483 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 48732? ▼
The median household income in ZIP 48732 is $57,903, which is 24% below the national average of $76,288.
What is the average home value in ZIP 48732? ▼
The median home value in ZIP 48732 is $169,600, which is 39% below the national average of $278,155.
What is the demographic makeup of ZIP 48732? ▼
The largest racial group in ZIP 48732 is White at 92.6%. Hispanic or Latino residents make up 6.9% of the population.
How many businesses are in ZIP code 48732? ▼
ZIP code 48732 has 142 business establishments employing approximately 1,710 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 48732? ▼
The top industries by establishment count in ZIP 48732 are: Health care and social assistance (29), Retail trade (20), Other services (except public administration) (20). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 48732? ▼
According to the FHFA House Price Index, home values in ZIP 48732 increased by 4.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 61%. 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 48732? ▼
In ZIP code 48732, 51.4% of residents aged 25+ have a high school diploma or higher, and 22.1% 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 48732? ▼
The mean commute time for workers in ZIP code 48732 is 22.2 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 48732? ▼
In ZIP code 48732, approximately 68.4% of occupied housing units are owner-occupied and 31.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 48732? ▼
The poverty rate in ZIP code 48732 is 14.3% 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.