48706 ZIP Code
Bay City, Michigan
December 12, 2025
| ZIP Code: | 48706 |
| City/Town: | Bay City |
| County: | Bay |
| State: | Michigan |
| ZIP Type: | Standard |
| Population: | 39,182 |
| Median Household Income: | $58,211 |
| Per Capita Income: | $36,327 |
| Total Housing Units: | 18,324 |
| Median Home Value: | $126,600 |
| Land Area: | 66.3 sq miles
171.7 sq km |
| Water Area: | 5.8 sq miles
15.0 sq km |
| Coordinates: | 43.6038, -83.9554 |
Population Information (48706 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 39,182 | -- | -- |
| Male: | 18,387 | 46.9% | 49.6% |
| Female: | 20,795 | 53.1% | 50.4% |
| Median Age: | 44.6 yrs | -- | 38.5 yrs |
| Under 5 years: | 1,886 | 4.8% | 5.7% |
| 5 to 9 years: | 2,320 | 5.9% | 6.0% |
| 10 to 14 years: | 2,450 | 6.3% | 6.5% |
| 15 to 19 years: | 2,496 | 6.4% | 6.6% |
| 20 to 24 years: | 1,919 | 4.9% | 6.7% |
| 25 to 34 years: | 4,672 | 11.9% | 13.7% |
| 35 to 44 years: | 4,017 | 10.3% | 12.9% |
| 45 to 54 years: | 4,655 | 11.9% | 12.4% |
| 55 to 59 years: | 3,316 | 8.5% | 6.5% |
| 60 to 64 years: | 2,724 | 7.0% | 6.4% |
| 65 to 74 years: | 4,609 | 11.8% | 9.7% |
| 75 to 84 years: | 2,936 | 7.5% | 4.8% |
| 85 years and over: | 1,182 | 3.0% | 2.0% |
Housing Information (48706 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $126,600 | -- | $281,900 |
| Median rooms: | 5.7 | -- | 5.5 |
| Median rent: | $832 / mo. | -- | $1,268 / mo. |
| Total housing units: | 18,324 | -- | -- |
| Occupied housing units: | 17,109 | 93.4% | 38.0% |
| Vacant housing units: | 1,215 | 6.6% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 12,969 | 75.8% | 64.8% |
| Renter-occupied: | 4,140 | 24.2% | 35.2% |
Educational Attainment (48706 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 28,111 | -- | -- |
| Less than 9th grade: | 595 | 2.1% | 4.7% |
| 9th to 12th grade, no diploma: | 1,880 | 6.7% | 6.1% |
| High school graduate: | 9,236 | 32.9% | 26.4% |
| Some college, no degree: | 7,312 | 26.0% | 19.7% |
| Associate degree: | 3,168 | 11.3% | 8.7% |
| Bachelor's degree: | 3,879 | 13.8% | 20.9% |
| Graduate or professional degree: | 2,041 | 7.3% | 13.7% |
| Percent high school graduate or higher: | -- | 91.2% | 89.1% |
| Percent bachelor's degree or higher: | -- | 21.1% | 34.3% |
Income Information (48706 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $58,211 / yr. | $75,149 / yr. |
| Mean household income: | $75,204 / yr. | $105,833 / yr. |
| Median family income: | $73,804 / yr. | $92,646 / yr. |
| Per capita income: | $36,327 / yr. | $41,261 / yr. |
Employment (48706 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 18,956 | -- | 63.5% |
| Employed: | 18,067 | 95.4% | 96.4% |
| Unemployed: | 864 | 4.6% | 5.3% |
| Not in labor force: | 13,100 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 15,325 | 84.8% | 79.7% |
| Government workers: | 1,786 | 9.9% | 14.2% |
| Self-employed: | 956 | 5.3% | 5.9% |
| Unpaid family workers: | 0 | 0.0% | 0.1% |
Race & Ethnicity (48706 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 36,463 | 93.1% | 61.6% |
| Black or African American: | 445 | 1.1% | 12.4% |
| American Indian/Alaska Native: | 61 | 0.2% | 1.1% |
| Asian: | 205 | 0.5% | 6.0% |
| Native Hawaiian/Pacific Islander: | 47 | 0.1% | 0.2% |
| Some other race: | 255 | 0.7% | 8.4% |
| Two or more races: | 1,706 | 4.4% | 10.2% |
| Hispanic or Latino (any race): | 717 | 1.8% | 18.7% |
| Mexican: | 1,838 | 4.7% | 11.2% |
| Puerto Rican: | 1,785 | 4.6% | 1.8% |
| Cuban: | 16 | 0.0% | 0.7% |
| Other Hispanic or Latino: | 0 | 0.0% | 5.0% |
| Not Hispanic or Latino: | 37 | 0.1% | 81.1% |
Income Distribution (48706 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 1,053 | 6.2% | 4.9% |
| $10,000 to $14,999: | 791 | 4.6% | 3.8% |
| $15,000 to $24,999: | 1,188 | 6.9% | 7.0% |
| $25,000 to $34,999: | 2,053 | 12.0% | 7.4% |
| $35,000 to $49,999: | 2,424 | 14.2% | 10.7% |
| $50,000 to $74,999: | 2,890 | 16.9% | 16.1% |
| $75,000 to $99,999: | 2,514 | 14.7% | 12.8% |
| $100,000 to $149,999: | 2,501 | 14.6% | 17.1% |
| $150,000 to $199,999: | 930 | 5.4% | 8.8% |
| $200,000 or more: | 765 | 4.5% | 11.4% |
Commute to Work (48706 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 15,130 | 83.7% | 67.8% |
| Carpooled: | 967 | 5.4% | 8.7% |
| Public transportation: | 82 | 0.5% | 4.2% |
| Walked: | 226 | 1.3% | 2.5% |
| Other means: | 208 | 1.2% | 0.9% |
| Worked from home: | 1,062 | 5.9% | 13.8% |
| Mean travel time to work: | 21.3 min | -- | 26.7 min |
Industry (48706 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 78 | 0.4% | 1.6% |
| Construction: | 824 | 4.6% | 6.9% |
| Manufacturing: | 3,040 | 16.8% | 10.0% |
| Wholesale trade: | 365 | 2.0% | 2.4% |
| Retail trade: | 2,304 | 12.8% | 11.0% |
| Transportation, warehousing, utilities: | 1,015 | 5.6% | 5.8% |
| Information: | 229 | 1.3% | 1.9% |
| Finance, insurance, real estate: | 1,054 | 5.8% | 6.7% |
| Professional, scientific, management: | 1,435 | 7.9% | 12.1% |
| Education, health care, social services: | 5,004 | 27.7% | 23.3% |
| Arts, entertainment, food services: | 1,505 | 8.3% | 9.0% |
| Other services: | 735 | 4.1% | 4.7% |
| Public administration: | 479 | 2.7% | 4.7% |
Poverty Status (48706 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 16.2% | 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 (48706 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 37,240 | 95.0% | 91.3% |
| Private health insurance: | 27,616 | 70.5% | 67.6% |
| Public health coverage: | 17,949 | 45.8% | 35.9% |
| Without health insurance: | 1,649 | 4.2% | 8.7% |
Benefits & Assistance (48706 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 11,368 | 66.4% | 77.4% |
| Social Security income: | 7,373 | 43.1% | 31.0% |
| Retirement income: | 5,306 | 31.0% | 21.8% |
| Supplemental Security Income (SSI): | 1,064 | 6.2% | 4.5% |
| Cash public assistance income: | 291 | 1.7% | 1.8% |
| SNAP (food stamps) benefits: | 1,928 | 11.3% | 11.4% |
Housing Types (48706 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 13,783 | 75.2% | 61.4% |
| 1-unit, attached: | 1,070 | 5.8% | 6.1% |
| 2 units: | 336 | 1.8% | 3.4% |
| 3 or 4 units: | 475 | 2.6% | 4.3% |
| 5 to 9 units: | 419 | 2.3% | 4.6% |
| 10 to 19 units: | 345 | 1.9% | 4.3% |
| 20 or more units: | 850 | 4.6% | 9.9% |
| Mobile home: | 1,046 | 5.7% | 5.8% |
| Boat, RV, van, etc.: | 0 | 0.0% | 0.1% |
Year Structure Built (48706 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 15 | 0.1% | 0.6% |
| Built 2010 to 2019: | 494 | 2.7% | 8.2% |
| Built 2000 to 2009: | 1,356 | 7.4% | 13.5% |
| Built 1990 to 1999: | 1,796 | 9.8% | 13.2% |
| Built 1980 to 1989: | 1,117 | 6.1% | 13.2% |
| Built 1970 to 1979: | 3,044 | 16.6% | 14.6% |
| Built 1960 to 1969: | 2,346 | 12.8% | 10.2% |
| Built 1950 to 1959: | 2,903 | 15.8% | 9.9% |
| Built 1940 to 1949: | 1,586 | 8.7% | 4.6% |
| Built 1939 or earlier: | 3,667 | 20.0% | 12.0% |
Bedrooms (48706 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 323 | 1.8% | 2.4% |
| 1 bedroom: | 1,548 | 8.4% | 3.0% |
| 2 bedrooms: | 4,432 | 24.2% | 9.1% |
| 3 bedrooms: | 9,035 | 49.3% | 15.9% |
| 4 bedrooms: | 2,597 | 14.2% | 18.8% |
| 5 or more bedrooms: | 389 | 2.1% | 17.6% |
Heating Fuel (48706 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 14,727 | 86.1% | 47.1% |
| Bottled, tank, or LP gas: | 519 | 3.0% | 4.9% |
| Electricity: | 1,527 | 8.9% | 40.2% |
| Fuel oil, kerosene, etc.: | 35 | 0.2% | 4.2% |
| Coal or coke: | 0 | 0.0% | 0.1% |
| Wood: | 125 | 0.7% | 1.5% |
| Solar energy: | 11 | 0.1% | 0.1% |
| Other fuel: | 120 | 0.7% | 0.5% |
| No fuel used: | 45 | 0.3% | 0.2% |
Vehicles Available (48706 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 940 | 5.5% | 8.3% |
| 1 vehicle available: | 6,192 | 36.2% | 32.6% |
| 2 vehicles available: | 7,004 | 40.9% | 37.0% |
| 3 or more vehicles available: | 2,973 | 17.4% | 22.1% |
Home Value Distribution (48706 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 1,269 | 9.8% | 5.7% |
| $50,000 to $99,999: | 3,623 | 27.9% | 7.8% |
| $100,000 to $149,999: | 2,705 | 20.9% | 9.2% |
| $150,000 to $199,999: | 2,021 | 15.6% | 10.8% |
| $200,000 to $299,999: | 2,199 | 17.0% | 19.9% |
| $300,000 to $499,999: | 880 | 6.8% | 24.1% |
| $500,000 to $999,999: | 242 | 1.9% | 17.0% |
| $1,000,000 or more: | 30 | 0.2% | 5.6% |
Housing Costs (48706 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $1,194 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $528 / mo. | $584 / mo. |
| Median gross rent: | $832 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.31 | 2.53 |
| Average household size (renter-occupied): | 2.12 | 2.38 |
Households (48706 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 17,109 | -- | -- |
| Married-couple households: | 7,382 | 43.1% | 47.5% |
| Cohabiting couple households: | 2,246 | 13.1% | 7.0% |
| Male householder, no spouse: | 2,808 | 16.4% | 5.4% |
| Female householder, no spouse: | 5,309 | 31.0% | 12.7% |
| Householder living alone: | 4,623 | 27.0% | 28.6% |
| 65 years and over living alone: | 6,182 | 36.1% | 11.8% |
| Average household size: | 2.27 | -- | 2.53 |
| Average family size: | 2.78 | -- | -- |
Marital Status (48706 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 15,334 | -- | -- |
| Never married: | 5,048 | 32.9% | 37.0% |
| Now married: | 7,668 | 50.0% | 49.5% |
| Separated: | 460 | 3.0% | 1.5% |
| Widowed: | 2,134 | 13.9% | 2.6% |
| Divorced: | 4,827 | 31.5% | 9.3% |
School Enrollment (48706 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 8,076 | -- | -- |
| Nursery school, preschool: | 598 | 7.4% | 5.8% |
| Kindergarten: | 577 | 7.1% | 5.0% |
| Elementary school (grades 1-8): | 3,537 | 43.8% | 40.5% |
| High school (grades 9-12): | 1,989 | 24.6% | 21.4% |
| College or graduate school: | 1,375 | 17.0% | 27.3% |
Veterans & Disability (48706 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 31,030 | -- | -- |
| Veterans: | 2,280 | 7.3% | 6.3% |
| Civilian noninstitutionalized population: | 38,889 | -- | -- |
| With a disability: | 6,191 | 15.9% | 13.4% |
| Under 18 with disability: | 534 | 8.6% | 5.8% |
| 18 to 64 with disability: | 3,016 | 48.7% | 10.4% |
| 65 and over with disability: | 2,641 | 42.7% | 33.4% |
Mobility (Residence 1 Year Ago) (48706 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 34,718 | 88.6% | 86.9% |
| Different house: | 4,089 | 10.4% | 13.1% |
| Same county: | 2,438 | 59.6% | 7.0% |
| Different county: | 1,570 | 38.4% | 3.2% |
| Different state: | 296 | 7.2% | 2.5% |
| Abroad: | 81 | 2.0% | 0.4% |
Place of Birth (48706 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 38,736 | 98.9% | 86.2% |
| Foreign born: | 53 | 0.1% | 13.9% |
| Naturalized citizen: | 446 | 841.5% | 52.7% |
| Not a citizen: | 446 | 841.5% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 446 | 841.5% | 10.5% |
| Asia: | 165 | 311.3% | 31.3% |
| Africa: | 0 | 0.0% | 5.5% |
| Oceania: | 10 | 18.9% | 0.5% |
| Latin America: | 66 | 124.5% | 50.0% |
| Northern America: | 30 | 56.6% | 2.2% |
Language Spoken at Home (48706 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 37,296 | -- | -- |
| English only: | 36,727 | 98.5% | 78.3% |
| Language other than English: | 569 | 1.5% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 229 | 0.6% | 13.3% |
| Other Indo-European languages: | 315 | 0.8% | 3.5% |
| Asian/Pacific Island languages: | 25 | 0.1% | 3.5% |
| Other languages: | 0 | 0.0% | 1.0% |
Computers & Internet (48706 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 17,109 | 100.0% | 93.1% |
| Households with broadband internet: | 16,126 | 94.3% | 89.4% |
Bay City, MI48706