48706 ZIP Code — Bay City, MI

Bay County, Michigan

ZIP code 48706 is located in Bay City, Michigan, within Bay County. It covers approximately 66.30 square miles and serves a population of 39,182 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 989.

About ZIP code 48706

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $126,600. Owner-occupancy is high at 76%, well above the national average.

Median household income is $58,211. 43% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 21 minutes is near the national average.

Educational attainment is near the national average, with 21% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (21%) compared to national benchmarks.

Overall, ZIP code 48706 reflects a community defined by high homeownership and a significant Social Security-dependent population.

39,182

population

66.30

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

48706 ZIP code map

Cities in ZIP code 48706

Below are the cities the US Postal Service accepts for ZIP code 48706. Using any city not on this list may result in mail delivery delays.

City	Status
Bay City	Preferred

Nearby ZIP codes

48710 University Center (4 mi) 48631 Kawkawlin (5.9 mi) 48708 Bay City (6.8 mi) 48611 Auburn (7.7 mi) 48604 Saginaw (9 mi) 48603 Saginaw (10.8 mi) 48747 Munger (10.9 mi) 48634 Linwood (11.7 mi) 48607 Saginaw (12.2 mi) 48623 Freeland (13 mi) 48663 Saginaw (13.1 mi) 48602 Saginaw (13.4 mi)

Demographics updated 06/2026

Population
Total population	39,182
Population density	591 / sq mi
State FIPS	26
County FIPS	017

Geography
Land area	66.30 sq mi
Water area	5.80 sq mi
Latitude	43.6094
Longitude	-83.9452
Timezone	Eastern (ET)
Area code	989

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	51.9%	52.1%	42.6%
$50k – $100k	28.3%	29.2%	31.1%
$100k – $200k	17.2%	16.3%	20.6%
Over $200k	2.6%	2.5%	5.7%

Demographics & statistics

39,182

Population

591

People per sq mi

44.6

Median age

$58,211

Median household income

$33,482

Per capita income

$126,600

Median home value

$832

Median monthly rent

75.8%

Home ownership

16.2%

Poverty rate

4.6%

Unemployment

14,184

Housing units

21.1%

Bachelor's or higher

Age distribution

Male Female

885

Under 5

1,001

1,089

5–9

1,231

1,150

10–14

1,300

1,171

15–19

1,325

900

20–24

1,019

2,192

25–34

2,480

1,885

35–44

2,132

2,184

45–54

2,471

1,556

55–59

1,760

1,278

60–64

1,446

2,163

65–74

2,446

1,378

75–84

1,558

555

85+

627

← Male

Female →

Age summary

Group	Count	%
Under 18	8,127	20.7%
18 and over	31,055	79.3%
65 and over	8,727	22.3%
Median age	44.6 years

Race & ethnicity

White 91.4%

Two or more races 4.3%

Hispanic or Latino 1.8%

Black or African American 1.1%

Other race 0.6%

Asian 0.5%

American Indian / Alaska Native 0.2%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	36,463	91.4%
Two or more races	1,706	4.3%
Hispanic or Latino	717	1.8%
Black or African American	445	1.1%
Other race	255	0.6%
Asian	205	0.5%
American Indian / Alaska Native	61	0.2%
Native Hawaiian / Pacific Islander	47	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	51.9%	52.1%	42.6%
$50k – $100k	28.3%	29.2%	31.1%
$100k – $200k	17.2%	16.3%	20.6%
Over $200k	2.6%	2.5%	5.7%

Under $10k 6.2%

$10k–$15k 4.6%

$15k–$25k 6.9%

$25k–$35k 12.0%

$35k–$50k 14.2%

$50k–$75k 16.9%

$75k–$100k 14.7%

$100k–$150k 14.6%

$150k–$200k 5.4%

$200k+ 4.5%

Range	% of households
Under $10k	6.2%
$10k–$15k	4.6%
$15k–$25k	6.9%
$25k–$35k	12.0%
$35k–$50k	14.2%
$50k–$75k	16.9%
$75k–$100k	14.7%
$100k–$150k	14.6%
$150k–$200k	5.4%
$200k+	4.5%
Median income	$58,211

Housing

Home values

Under $50k 9.8%

$50k–$100k 27.9%

$100k–$150k 20.9%

$150k–$200k 15.6%

$200k–$300k 17.0%

$300k–$500k 6.8%

$500k–$1M 1.9%

$1M+ 0.2%

Housing overview

Metric	Value
Median home value	$126,600
Median rent / month	$832
Owner occupied	75.8%
Renter occupied	24.2%
Vacant	6.6%
Single-family detached	75.2%
Large apartment buildings	4.6%
Mobile homes	5.7%
Median rooms	5.7
Avg household size (owned)	2.31

Year built

Era	%
2020 or later	0.1%
2010–2019	2.7%
2000–2009	7.4%
1990–1999	9.8%
1980–1989	6.1%
1970–1979	16.6%
1960–1969	12.8%
1950–1959	15.8%
1940–1949	8.7%
1939 or earlier	20.0%

Bedrooms

Size	% of units
No bedroom (studio)	1.8%
1 bedroom	8.4%
2 bedrooms	24.2%
3 bedrooms	49.3%
4 bedrooms	14.2%
5+ bedrooms	2.1%

Vehicles per household

Vehicles	% of households
No vehicle	5.5%
1 vehicle	36.2%
2 vehicles	40.9%
3 or more	17.4%

Heating fuel

Fuel type	%
Utility gas	86.1%
Electricity	8.9%
Propane / LP gas	3.0%
Fuel oil	0.2%
Wood	0.7%
Solar	0.1%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	7,382	43.1%
Cohabiting couple	1,610	9.4%
Male householder, no spouse	2,808	16.4%
Female householder, no spouse	5,309	31.0%
Households with children under 18	4,623	27.0%
Households with seniors (65+)	6,182	36.1%
Average household size	2.27

Marital status

Status	Male	Female
Never married	32.9%	28.1%
Married	50.0%	42.8%
Separated	0.2%	1.1%
Widowed	3.0%	12.7%
Divorced	13.9%	15.4%

Education

Less than 9th grade 2.1%

Some HS, no diploma 6.7%

HS graduate 32.9%

Some college, no degree 26.0%

Associate's degree 11.3%

Bachelor's degree 13.8%

Graduate / professional 7.3%

Metric	%
HS diploma or higher	91.2%
Bachelor's or higher	21.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	598	7.4%
Kindergarten	577	7.1%
Elementary school	3,537	43.8%
High school	1,989	24.6%
College / grad school	1,375	17.0%

Employment

Industry of employment

Education & healthcare 27.7%

Manufacturing 16.8%

Retail trade 12.8%

Arts, food & hospitality 8.3%

Professional & management 7.9%

Finance & real estate 5.8%

Transportation & utilities 5.6%

Construction 4.6%

Other services 4.1%

Public administration 2.7%

Wholesale trade 2.0%

Information 1.3%

Agriculture & mining 0.4%

Occupation

Category	%
Management, business & arts	31.3%
Service	18.0%
Sales & office	24.3%
Natural resources & construction	9.3%
Production & transportation	17.1%

Employment type

Type	%
Private sector	84.8%
Government	9.9%
Self-employed	5.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	85.6%
Carpool	5.5%
Public transit	0.5%
Walk	1.3%
Work from home	6.0%
Other means	1.2%
Avg commute (minutes)	21.3

Poverty

All people 16.2%

Under 18 years 28.0%

18 and over 13.1%

Married-couple families 4.6%

Female-led households 36.0%

Income support

Source	% of households
Social Security	43.1%
Retirement income	31.0%
Supplemental Security	6.2%
Cash public assistance	1.7%
Food stamps / SNAP	11.3%

Health indicators

Condition	%
Obesity	37.7%
High blood pressure	35.3%
High cholesterol	36.2%
Diabetes	11.8%
Heart disease	7.6%
Stroke	3.5%
Asthma	11.0%
Arthritis	32.2%
Kidney disease	3.3%
Pulmonary disease	8.9%
Cancer	7.6%

Behavior / access	%
Smoking	21.0%
Binge drinking	19.6%
No physical activity	22.0%
Less than 7 hrs sleep	32.7%
Depression	22.8%
Fair or poor health	16.0%
Poor mental health	16.3%
Poor physical health	12.0%
No health insurance	10.0%
Visited doctor (checkup)	75.7%
Visited dentist	66.9%
Cholesterol screening	91.1%
Teeth loss	13.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	2,280	7.3%

Disability	%
Any disability	15.9%
Under 18	6.6%
18–64 years	13.5%
65 and over	31.2%

Health insurance coverage

Type	%
Private insurance	71.0%
Public insurance	46.2%
No insurance	4.2%
Uninsured under 19	1.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	37,296	95.2%
Spanish	218	0.6%
Other Indo-European	74	0.2%
Asian & Pacific Islander	120	0.3%
Other languages	24	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	38,736	98.9%
Born in same state	38,683	98.7%
Born in different state	35,513	90.6%
Foreign born	53	0.1%
Naturalized citizen	446	1.1%
Not a US citizen	308	69.1%

Ancestry

Ancestry	Count	%
Italian	3,747	9.6%
French	2,694	6.9%
Arab	1,283	3.3%
German	1,057	2.7%
English	666	1.7%

Ancestry	Count	%
Irish	346	0.9%
Polish	295	0.8%
Dutch	83	0.2%
Norwegian	50	0.1%

Technology access

Metric	% of households
Computer access	43.7%
Internet access	94.3%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 48706

What city is ZIP code 48706 in?

ZIP code 48706 is primarily assigned to Bay City, Michigan.

What county is ZIP code 48706 in?

ZIP code 48706 falls within Bay County, Michigan.

Does ZIP code 48706 have a large retiree population?

43% of households in ZIP code 48706 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 48706?

16% of residents in ZIP code 48706 live below the poverty line, above the national average.

What is the typical home value in ZIP code 48706?

The median home value in ZIP code 48706 is $126,600.

What is the population of ZIP code 48706?

ZIP code 48706 has an estimated population of 39,182 residents, with a density of 591 people per square mile.

What timezone is ZIP code 48706 in?

ZIP code 48706 observes the EST timezone.