Bay County · Michigan
ZIP code 48631
- Population
- 4,058
- Median income
- $77,813
- Median home
- $164,400
- Sales tax
- 6%
ZCTA residents
Household, past 12 months
Owner-occupied value
Michigan state rate
Quick answer
ZIP 48631 sits in Bay County, Michigan and is home to 4,058 people. Median household income is $77,813, the median home is worth $164,400 and median gross rent is $772. 77.8% of households own their home, and purchases are taxed at 6% (Michigan state rate).
- County
- Bay County
- State
- Michigan (MI)
- Area codes
- Not published
- Metro area
- Outside covered metros
FIPS 26017
992 ZIPs covered
No NANPA match for this ZIP
Rate jurisdiction used for tax
The numbers for 48631
American Community Survey 2019-2023 ACS 5-year estimates for this ZCTA.
- Population
- 4,058ZIP 48631 residents
- Median household income
- $77,813Past 12 months, inflation adjusted
- Median home value
- $164,400Owner-occupied units
- Median gross rent
- $772Rent plus utilities, monthly
- Median age
- 48.7 yrsAll residents
- Homeownership rate
- 77.8%Owner-occupied households
Sales tax in 48631
What a purchase inside this ZIP costs at checkout.
Michigan levies 6% statewide with no local add-ons. Check the county page for the local component before you quote a price.
Affordability in this ZIP
Derived from the Census medians above — indicative, not an offer.
A rent burden above 30% is the federal threshold for cost-burdened households, and a price-to-income multiple above 4× is generally considered a stretched housing market. The mortgage figure is principal and interest only — taxes, insurance and HOA dues are extra.
How 48631 compares
ZIP 48631 against the median ZIP in Bay County and across Michigan.
| Measure | ZIP 48631 | County median | State median | vs state |
|---|---|---|---|---|
| Median household income | $77,813 | $63,662 | $66,726 | +17% |
| Median home value | $164,400 | $155,200 | $179,300 | -8% |
| Median gross rent | $772 | $772 | $930 | -17% |
| Population | 4,058 | 5,204 | 4,540 | -11% |
Medians are computed across the 10 ZIP areas in Bay County and the 992 ZIP areas in Michigan.
Statewide rank
Where this ZIP places among all 992 Michigan ZIP areas.
- Income
- #294
- Home value
- #572
- Population
- #522
richer than 69% of 963 state ZIPs
above 40% of 961 state ZIPs
larger than 47% of 992 state ZIPs
Comparable ZIP codes
Michigan ZIP areas with almost the same household income.
Nearby ZIP codes
Other ZIP codes filed under Bay County.
ZIP 48631 questions
Common questions about this ZIP code.
- Where is ZIP code 48631?
- ZIP 48631 lies mostly in Bay County, Michigan. County assignment follows the largest share of land area, so a ZIP straddling a county line is filed under its dominant county.
- What sales tax do I pay in 48631?
- Michigan charges 6% statewide.
- Is 48631 expensive to live in?
- Median rent runs $772 a month, about 12% of median household income, and the median home is worth $164,400 — -8% against the typical Michigan ZIP.
- Is a ZCTA the same as a postal ZIP code?
- Not exactly. The Census builds ZIP Code Tabulation Areas from the ZIP codes of addresses inside each census block, so a ZCTA can differ slightly from the USPS delivery route of the same number, and PO-box-only ZIPs have no ZCTA at all.
Keep going
Related pages for this area.
Sources & transparency
- US Census Bureau, ACS 2019-2023 5-year estimates — 2019-2023 ACS 5-year — population, income, housing
- Census 2020 ZCTA-to-county relationship file — County assignment by largest land-area overlap
- Michigan Department of Treasury — Sales tax rates and local add-ons
Last reviewed December 2024. Figures are published for reference and can change; verify with the source agency before filing or contracting. How we build and check this data.