Residential delivery area · Michigan
ZIP Code 48732: Essexville, MI
ZIP code 48732 uses the postal name Essexville, Michigan and lies entirely in Bay County (Census 2020 ZIP-county file). About 11,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $57,903 (Census Bureau, ACS 2020-2024). By Census place, 5% of its land lies in Essexville; 95% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Essexville · its only residential ZIP
- County
- Bay County
- Census places
- Essexville
- Metro area
- Bay City, MI
- House district
- MI-8 119th Congress
- State
- Michigan
- Time zone
- Eastern
- Land area
- 24.6 sq mi · 461 people per sq mi
Where is ZIP code 48732?
48732 centers on 43.612°, -83.790° and covers 24.6 square miles of land plus 6.8 of water. It borders 4 ZIP codes: 48708, 48747, 48706, 48733.
The map draws ZIP code areas only. For the streets inside 48732, 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 48732 compare with the rest of Bay County?
| Measure | 48732 | In Bay County | In MI |
|---|---|---|---|
| People (ACS 2020-2024) | 11,340 | 5th of 17 | 305th of 992 |
| Median household income | $58k | 12th of 15 | 613th of 774 |
| Median home value | $170k | 7th of 15 | 527th of 779 |
Its median household income is higher than in 26% of U.S. residential ZIP codes, and it is denser than 71% 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 48732?
The 2020 Census counted 11,177 people in 48732; the ACS, which samples households over 2020-2024, estimates 11,340. Between the 2010 and 2020 censuses its population fell 2.7% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 11,340
- 2020 Census count
- 11,177−2.7% since 2010 (11,483)
- Households
- 5,080
- Median age
- 43.3
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 48732?
Of the 11,340 people the ACS estimates in 48732, 19.3% are under 18 and 24.2% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (89.1%).
- Under 1819.3%
- 18 to 6456.5%
- 65 and older24.2%
- White, not Hispanic89.1%
- Hispanic or Latino6.9%
- Other or two or more2.9%
- Black, not Hispanic1.0%
- 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 48732 earn?
Median household income is $57,903 (ACS 2020-2024), the 12th highest of the 15 ranked ZIP codes in Bay County. It is not measurably different from 2015-2019 ($54,905 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $57,903±$6,454
- Income per person
- $32,246
- Below the poverty line
- 14.3%
- Unemployed (of the labor force)
- 3.2%
- Adults 25+ with a bachelor's degree
- 22.1%
- Adjusted gross income per tax return, 2022
- $64,8455,540 returns; wages 66% 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 48732?
FHFA's house price index for 48732, built from repeat sales and appraisals of the same homes, rose 78% from 2015 to 2025 and rose 51% from 2020 to 2025, and moved +1.2% in 2025.
- Median home value (owners' estimate)
- $169,600
- Median gross rent
- $840
- Homes owned by their occupants
- 68.4%
- Housing units
- 5,326
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 48732?
142 business establishments had a location in this ZIP code in 2023, 19 fewer than in 2018; the most are in health care and social assistance (ZIP Code Business Patterns).
- Health care and social assistance29
- Retail trade20
- Other services (except public administration)20
- Accommodation and food services15
- Finance and insurance9
- Construction8
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 48732?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 48708 | Bay City | 25,635 | $51k | 4.9 mi |
| 48747 | Munger | 1,549 | $82k | 6.6 mi |
| 48706 | Bay City | 38,974 | $63k | 8.3 mi |
| 48733 | Fairgrove | 1,648 | $61k | 11.2 mi |
| 48710 | University Center | 0 | – | 10.6 mi (near) |
| 48757 | Reese | 3,708 | $74k | 11.4 mi (near) |
| 48631 | Kawkawlin | 3,681 | $74k | 11.6 mi (near) |
| 48701 | Akron | 1,399 | $63k | 11.7 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.