ZIP code 48611

ZIP 48611 is a mid-size town in Bay County, Michigan, with 6,013 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #433 of 992 ranked by population — larger than 56% of them. The median age here is 45.3 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. 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 48611 earn a median of $80,511 a year, 2.5% above the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 6.8% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 48611 is valued at $166,500, 45.1% below the national figure, while median gross rent runs $901 a month, 35.9% below the national figure, or roughly $10,812 across a full year. A household on the local median income would put about 13.4% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.1×, 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. 84.5% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

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 48611 is tabulated inside Bay County, Michigan, one of 10 ZIP areas the Census publishes for that county and 992 across Michigan. Population sits in the small-town band, typically one main street plus the addresses that feed into it. 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 48611 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 48611 reports a median household income of $80,511, 26% above the $63,662 county median, and 21% above the $66,726 typical MI ZIP. Owner-occupied homes are valued at a median of $166,500, 7% above the county figure and 7% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $901 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 48611.

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 48611 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.