ZIP code 48601

ZIP 48601 is a small city in Saginaw County, Michigan, with 32,069 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #77 of 992 ranked by population — larger than 92% of them. The median age here is 39 years against 39.1 nationally, a slightly younger profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 48601 earn a median of $37,830 a year, 51.8% below the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 31.7% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 48601 is valued at $54,900, 81.9% below the national figure, while median gross rent runs $836 a month, 40.5% below the national figure, or roughly $10,032 across a full year. A household on the local median income would put about 26.5% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 1.5×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 66.1% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 48601 is tabulated inside Saginaw County, Michigan, one of 19 ZIP areas the Census publishes for that county and 992 across Michigan. This is a dense urban ZIP, where a single postal boundary can hold more residents than an entire rural county. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 48601 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 48601 reports a median household income of $37,830, 42% below the $65,690 county median, and 43% below the $66,726 typical MI ZIP. Owner-occupied homes are valued at a median of $54,900, 64% below the county figure and 69% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $836 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Michigan charges 6% statewide, and no local sales tax is layered on top, so the state rate is the full amount collected in 48601.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 48601 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.