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 High-density area
- $57,903
- Median income Below-median income area
- $169,600
- Median home value Near-median home value
- 22.1%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 48732 (Essexville, MI) rose +4.2% from 2023 to 2024. The all-transactions index moved from 154.4 in 2023 to 160.9 in 2024 (2000 = 100).
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 average Michigan ZIP), while per-capita income is $32,246. The poverty rate is 14.3%, with unemployment at 3.2%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $169,600 (23% below the average Michigan ZIP), and median rent is $840; owner occupancy is 68.4%.
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. The page also surfaces 4 ZIP codes within roughly 10 miles and 6 more in Bay County, so 48732 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 48732
Top 5 sectors by establishment count in Essexville, MI
Which industries have the most business establishments in ZIP 48732.
- Health care and social assistance
Health care and social assistance
29 establishments
- Retail trade
Retail trade
20 establishments
- Other services (except public administration)
Other services (except public administration)
20 establishments
- Accommodation and food services
Accommodation and food services
15 establishments
- Finance and insurance 9
Finance and insurance
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 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
Who lives in ZIP 48732?
43.3
Median Age
50.0%
Male
50.0%
Female
0.1%
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?
$57,903
Median Household Income
-21% vs state ZIP avg
$32,246
Per Capita Income
14.3%
Poverty Rate
3.2%
Unemployment Rate
22.2 min
Mean Commute Time
How ZIP 48732 ranks among Michigan ZIPs
Essexville, 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)
$57,903 25th percentile higher than 25% 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
5,326housing units
5,326
Total Housing Units
5,080
Occupied Units
246
Vacant Units
2.21
Avg Household Size
Occupancy Type
$169,600
Median Home Value
-23% vs state ZIP avg
$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.
- 48708
Bay City (48708)
27,262 residents
- 48732
Essexville (48732)
11,483 residents
- 48757 3,817
Reese (48757)
3,817 residents
- 48747 1,494
Munger (48747)
1,494 residents
- 48724 359
Carrollton (48724)
359 residents
What this shows Among its immediate neighbors, ZIP 48732 ranks #2 by population - useful context the national average alone can't give.
ZIP 48732 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 48747
Munger (48747)
$81,458 median income
- 48757
Reese (48757)
$73,832 median income
- 48732
Essexville (48732)
$57,903 median income
- 48708
Bay City (48708)
$50,518 median income
- 48724
Carrollton (48724)
$34,512 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 48732, 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 (11,483 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 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.
Related
Take this with you
What to do with ZIP 48732's numbers, next.
- See how ZIP 48732 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Essexville, 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.