48638 ZIP Code
Saginaw, Michigan
December 12, 2025
| ZIP Code: | 48638 |
| City/Town: | Saginaw |
| County: | Gladwin |
| State: | Michigan |
| ZIP Type: | Standard |
| Population: | 12,157 |
| Median Household Income: | $60,262 |
| Per Capita Income: | $40,893 |
| Total Housing Units: | 6,500 |
| Median Home Value: | $151,700 |
| Land Area: | sq miles
0.0 sq km |
| Water Area: | sq miles
0.0 sq km |
| Coordinates: | 43.4200, -84.0100 |
Population Information (48638 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 12,157 | -- | -- |
| Male: | 5,627 | 46.3% | 49.6% |
| Female: | 6,530 | 53.7% | 50.4% |
| Median Age: | 45.9 yrs | -- | 38.5 yrs |
| Under 5 years: | 466 | 3.8% | 5.7% |
| 5 to 9 years: | 590 | 4.9% | 6.0% |
| 10 to 14 years: | 592 | 4.9% | 6.5% |
| 15 to 19 years: | 965 | 7.9% | 6.6% |
| 20 to 24 years: | 606 | 5.0% | 6.7% |
| 25 to 34 years: | 1,437 | 11.8% | 13.7% |
| 35 to 44 years: | 1,279 | 10.5% | 12.9% |
| 45 to 54 years: | 1,539 | 12.7% | 12.4% |
| 55 to 59 years: | 758 | 6.2% | 6.5% |
| 60 to 64 years: | 780 | 6.4% | 6.4% |
| 65 to 74 years: | 1,738 | 14.3% | 9.7% |
| 75 to 84 years: | 904 | 7.4% | 4.8% |
| 85 years and over: | 503 | 4.1% | 2.0% |
Housing Information (48638 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $151,700 | -- | $281,900 |
| Median rooms: | 5.7 | -- | 5.5 |
| Median rent: | $867 / mo. | -- | $1,268 / mo. |
| Total housing units: | 6,500 | -- | -- |
| Occupied housing units: | 5,902 | 90.8% | 38.0% |
| Vacant housing units: | 598 | 9.2% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 3,927 | 66.5% | 64.8% |
| Renter-occupied: | 1,975 | 33.5% | 35.2% |
Educational Attainment (48638 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 8,938 | -- | -- |
| Less than 9th grade: | 96 | 1.1% | 4.7% |
| 9th to 12th grade, no diploma: | 508 | 5.7% | 6.1% |
| High school graduate: | 2,011 | 22.5% | 26.4% |
| Some college, no degree: | 2,209 | 24.7% | 19.7% |
| Associate degree: | 1,097 | 12.3% | 8.7% |
| Bachelor's degree: | 2,024 | 22.6% | 20.9% |
| Graduate or professional degree: | 993 | 11.1% | 13.7% |
| Percent high school graduate or higher: | -- | 93.2% | 89.1% |
| Percent bachelor's degree or higher: | -- | 33.8% | 34.3% |
Income Information (48638 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $60,262 / yr. | $75,149 / yr. |
| Mean household income: | $84,876 / yr. | $105,833 / yr. |
| Median family income: | $83,173 / yr. | $92,646 / yr. |
| Per capita income: | $40,893 / yr. | $41,261 / yr. |
Employment (48638 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 6,030 | -- | 63.5% |
| Employed: | 5,850 | 97.0% | 96.4% |
| Unemployed: | 180 | 3.0% | 5.3% |
| Not in labor force: | 4,346 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 4,766 | 81.5% | 79.7% |
| Government workers: | 704 | 12.0% | 14.2% |
| Self-employed: | 380 | 6.5% | 5.9% |
| Unpaid family workers: | 0 | 0.0% | 0.1% |
Race & Ethnicity (48638 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 9,232 | 75.9% | 61.6% |
| Black or African American: | 2,247 | 18.5% | 12.4% |
| American Indian/Alaska Native: | 13 | 0.1% | 1.1% |
| Asian: | 129 | 1.1% | 6.0% |
| Native Hawaiian/Pacific Islander: | 0 | 0.0% | 0.2% |
| Some other race: | 164 | 1.3% | 8.4% |
| Two or more races: | 372 | 3.1% | 10.2% |
| Hispanic or Latino (any race): | 289 | 2.4% | 18.7% |
| Mexican: | 911 | 7.5% | 11.2% |
| Puerto Rican: | 898 | 7.4% | 1.8% |
| Cuban: | 13 | 0.1% | 0.7% |
| Other Hispanic or Latino: | 0 | 0.0% | 5.0% |
| Not Hispanic or Latino: | 0 | 0.0% | 81.1% |
Income Distribution (48638 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 363 | 6.2% | 4.9% |
| $10,000 to $14,999: | 260 | 4.4% | 3.8% |
| $15,000 to $24,999: | 544 | 9.2% | 7.0% |
| $25,000 to $34,999: | 325 | 5.5% | 7.4% |
| $35,000 to $49,999: | 999 | 16.9% | 10.7% |
| $50,000 to $74,999: | 1,053 | 17.8% | 16.1% |
| $75,000 to $99,999: | 975 | 16.5% | 12.8% |
| $100,000 to $149,999: | 727 | 12.3% | 17.1% |
| $150,000 to $199,999: | 183 | 3.1% | 8.8% |
| $200,000 or more: | 473 | 8.0% | 11.4% |
Commute to Work (48638 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 4,773 | 81.6% | 67.8% |
| Carpooled: | 526 | 9.0% | 8.7% |
| Public transportation: | 0 | 0.0% | 4.2% |
| Walked: | 36 | 0.6% | 2.5% |
| Other means: | 12 | 0.2% | 0.9% |
| Worked from home: | 325 | 5.6% | 13.8% |
| Mean travel time to work: | 21.1 min | -- | 26.7 min |
Industry (48638 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 9 | 0.2% | 1.6% |
| Construction: | 308 | 5.3% | 6.9% |
| Manufacturing: | 1,246 | 21.3% | 10.0% |
| Wholesale trade: | 40 | 0.7% | 2.4% |
| Retail trade: | 536 | 9.2% | 11.0% |
| Transportation, warehousing, utilities: | 187 | 3.2% | 5.8% |
| Information: | 154 | 2.6% | 1.9% |
| Finance, insurance, real estate: | 448 | 7.7% | 6.7% |
| Professional, scientific, management: | 520 | 8.9% | 12.1% |
| Education, health care, social services: | 1,392 | 23.8% | 23.3% |
| Arts, entertainment, food services: | 456 | 7.8% | 9.0% |
| Other services: | 326 | 5.6% | 4.7% |
| Public administration: | 228 | 3.9% | 4.7% |
Poverty Status (48638 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 11.2% | 8.8% |
| All people below poverty level: | -- | -- | -- |
| Under 18 years: | -- | -- | 16.3% |
| 18 to 64 years: | -- | -- | 11.0% |
| 65 years and over: | -- | -- | 10.3% |
Health Insurance (48638 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 11,504 | 94.6% | 91.3% |
| Private health insurance: | 9,207 | 75.7% | 67.6% |
| Public health coverage: | 5,280 | 43.4% | 35.9% |
| Without health insurance: | 642 | 5.3% | 8.7% |
Benefits & Assistance (48638 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 3,726 | 63.1% | 77.4% |
| Social Security income: | 2,520 | 42.7% | 31.0% |
| Retirement income: | 2,097 | 35.5% | 21.8% |
| Supplemental Security Income (SSI): | 314 | 5.3% | 4.5% |
| Cash public assistance income: | 76 | 1.3% | 1.8% |
| SNAP (food stamps) benefits: | 690 | 11.7% | 11.4% |
Housing Types (48638 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 4,235 | 65.2% | 61.4% |
| 1-unit, attached: | 230 | 3.5% | 6.1% |
| 2 units: | 26 | 0.4% | 3.4% |
| 3 or 4 units: | 203 | 3.1% | 4.3% |
| 5 to 9 units: | 598 | 9.2% | 4.6% |
| 10 to 19 units: | 578 | 8.9% | 4.3% |
| 20 or more units: | 625 | 9.6% | 9.9% |
| Mobile home: | 5 | 0.1% | 5.8% |
| Boat, RV, van, etc.: | 0 | 0.0% | 0.1% |
Year Structure Built (48638 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 0 | 0.0% | 0.6% |
| Built 2010 to 2019: | 16 | 0.2% | 8.2% |
| Built 2000 to 2009: | 130 | 2.0% | 13.5% |
| Built 1990 to 1999: | 392 | 6.0% | 13.2% |
| Built 1980 to 1989: | 690 | 10.6% | 13.2% |
| Built 1970 to 1979: | 2,441 | 37.6% | 14.6% |
| Built 1960 to 1969: | 1,098 | 16.9% | 10.2% |
| Built 1950 to 1959: | 1,322 | 20.3% | 9.9% |
| Built 1940 to 1949: | 284 | 4.4% | 4.6% |
| Built 1939 or earlier: | 127 | 2.0% | 12.0% |
Bedrooms (48638 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 99 | 1.5% | 2.4% |
| 1 bedroom: | 802 | 12.3% | 3.0% |
| 2 bedrooms: | 1,543 | 23.7% | 9.1% |
| 3 bedrooms: | 3,121 | 48.0% | 15.9% |
| 4 bedrooms: | 795 | 12.2% | 18.8% |
| 5 or more bedrooms: | 140 | 2.2% | 17.6% |
Heating Fuel (48638 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 4,734 | 80.2% | 47.1% |
| Bottled, tank, or LP gas: | 30 | 0.5% | 4.9% |
| Electricity: | 893 | 15.1% | 40.2% |
| Fuel oil, kerosene, etc.: | 0 | 0.0% | 4.2% |
| Coal or coke: | 0 | 0.0% | 0.1% |
| Wood: | 23 | 0.4% | 1.5% |
| Solar energy: | 0 | 0.0% | 0.1% |
| Other fuel: | 55 | 0.9% | 0.5% |
| No fuel used: | 167 | 2.8% | 0.2% |
Vehicles Available (48638 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 330 | 5.6% | 8.3% |
| 1 vehicle available: | 2,707 | 45.9% | 32.6% |
| 2 vehicles available: | 1,980 | 33.5% | 37.0% |
| 3 or more vehicles available: | 885 | 15.0% | 22.1% |
Home Value Distribution (48638 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 225 | 5.7% | 5.7% |
| $50,000 to $99,999: | 562 | 14.3% | 7.8% |
| $100,000 to $149,999: | 1,128 | 28.7% | 9.2% |
| $150,000 to $199,999: | 1,385 | 35.3% | 10.8% |
| $200,000 to $299,999: | 470 | 12.0% | 19.9% |
| $300,000 to $499,999: | 123 | 3.1% | 24.1% |
| $500,000 to $999,999: | 10 | 0.3% | 17.0% |
| $1,000,000 or more: | 24 | 0.6% | 5.6% |
Housing Costs (48638 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $1,189 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $579 / mo. | $584 / mo. |
| Median gross rent: | $867 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.25 | 2.53 |
| Average household size (renter-occupied): | 1.67 | 2.38 |
Households (48638 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 5,902 | -- | -- |
| Married-couple households: | 2,365 | 40.1% | 47.5% |
| Cohabiting couple households: | 720 | 12.2% | 7.0% |
| Male householder, no spouse: | 1,145 | 19.4% | 5.4% |
| Female householder, no spouse: | 1,887 | 32.0% | 12.7% |
| Householder living alone: | 1,298 | 22.0% | 28.6% |
| 65 years and over living alone: | 2,392 | 40.5% | 11.8% |
| Average household size: | 2.06 | -- | 2.53 |
| Average family size: | 2.82 | -- | -- |
Marital Status (48638 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 4,830 | -- | -- |
| Never married: | 1,683 | 34.8% | 37.0% |
| Now married: | 2,465 | 51.0% | 49.5% |
| Separated: | 175 | 3.6% | 1.5% |
| Widowed: | 507 | 10.5% | 2.6% |
| Divorced: | 1,708 | 35.4% | 9.3% |
School Enrollment (48638 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 2,514 | -- | -- |
| Nursery school, preschool: | 83 | 3.3% | 5.8% |
| Kindergarten: | 176 | 7.0% | 5.0% |
| Elementary school (grades 1-8): | 875 | 34.8% | 40.5% |
| High school (grades 9-12): | 661 | 26.3% | 21.4% |
| College or graduate school: | 719 | 28.6% | 27.3% |
Veterans & Disability (48638 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 9,944 | -- | -- |
| Veterans: | 793 | 8.0% | 6.3% |
| Civilian noninstitutionalized population: | 12,146 | -- | -- |
| With a disability: | 2,058 | 16.9% | 13.4% |
| Under 18 with disability: | 84 | 4.1% | 5.8% |
| 18 to 64 with disability: | 743 | 36.1% | 10.4% |
| 65 and over with disability: | 1,231 | 59.8% | 33.4% |
Mobility (Residence 1 Year Ago) (48638 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 10,725 | 88.2% | 86.9% |
| Different house: | 1,302 | 10.7% | 13.1% |
| Same county: | 393 | 30.2% | 7.0% |
| Different county: | 895 | 68.7% | 3.2% |
| Different state: | 248 | 19.0% | 2.5% |
| Abroad: | 14 | 1.1% | 0.4% |
Place of Birth (48638 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 11,881 | 97.7% | 86.2% |
| Foreign born: | 33 | 0.3% | 13.9% |
| Naturalized citizen: | 276 | 836.4% | 52.7% |
| Not a citizen: | 276 | 836.4% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 276 | 836.4% | 10.5% |
| Asia: | 56 | 169.7% | 31.3% |
| Africa: | 13 | 39.4% | 5.5% |
| Oceania: | 0 | 0.0% | 0.5% |
| Latin America: | 15 | 45.5% | 50.0% |
| Northern America: | 80 | 242.4% | 2.2% |
Language Spoken at Home (48638 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 11,691 | -- | -- |
| English only: | 11,288 | 96.6% | 78.3% |
| Language other than English: | 403 | 3.4% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 197 | 1.7% | 13.3% |
| Other Indo-European languages: | 81 | 0.7% | 3.5% |
| Asian/Pacific Island languages: | 94 | 0.8% | 3.5% |
| Other languages: | 31 | 0.3% | 1.0% |
Computers & Internet (48638 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 5,902 | 100.0% | 93.1% |
| Households with broadband internet: | 5,504 | 93.3% | 89.4% |
Saginaw, MI48638