48028 ZIP Code — Harsens Island, MI

Saint Clair County, Michigan

ZIP code 48028 is located in Harsens Island, Michigan, within Saint Clair County. It covers approximately 17.76 square miles and serves a population of 961 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 810.

About ZIP code 48028

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 $334,300. Owner-occupancy is high at 97%, well above the national average.

Median household income is $98,523. The poverty rate of 7% is below the national average. 61% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with construction as the leading industry. An above-average commute of 36 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 29% of residents holding a bachelor's degree or higher.

Overall, ZIP code 48028 reflects a community defined by high homeownership and a significant Social Security-dependent population.

961

population

17.76

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

48028 ZIP code map

Cities in ZIP code 48028

Below are the cities the US Postal Service accepts for ZIP code 48028. Using any city not on this list may result in mail delivery delays.

City	Status
Harsens Island	Acceptable
Harsens Island	Preferred

Nearby ZIP codes

48001 Algonac (3.9 mi) 48023 Fair Haven (8.2 mi) 48039 Marine City (8.3 mi) 48047 New Baltimore (10.5 mi) 48051 New Baltimore (12 mi) 48043 Mount Clemens (13.6 mi) 48082 Saint Clair Shores (14.3 mi) 48048 New Haven (14.5 mi) 48081 Saint Clair Shores (15.8 mi) 48080 Saint Clair Shores (16.7 mi) 48050 New Haven (16.9 mi) 48066 Roseville (17.2 mi)

Demographics updated 06/2026

Population
Total population	961
Population density	54 / sq mi
State FIPS	26
County FIPS	147

Geography
Land area	17.76 sq mi
Water area	14.64 sq mi
Latitude	42.5828
Longitude	-82.6128
Timezone	Eastern (ET)
Area code	810

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	35.8%	43.0%	42.6%
$50k – $100k	36.3%	31.9%	31.1%
$100k – $200k	18.0%	21.1%	20.6%
Over $200k	9.9%	4.0%	5.7%

Demographics & statistics

961

Population

People per sq mi

66.0

Median age

$98,523

Median household income

$66,358

Per capita income

$334,300

Median home value

Median monthly rent

96.9%

Home ownership

6.7%

Poverty rate

0.0%

Unemployment

1,563

Housing units

29.4%

Bachelor's or higher

Age distribution

Male Female

Under 5

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

168

65–74

132

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	26	2.7%
18 and over	935	97.3%
65 and over	518	53.9%
Median age	66.0 years

Race & ethnicity

White 98.7%

Two or more races 0.8%

Hispanic or Latino 0.5%

Group	Count	%
White	953	98.7%
Two or more races	8	0.8%
Hispanic or Latino	5	0.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	35.8%	43.0%	42.6%
$50k – $100k	36.3%	31.9%	31.1%
$100k – $200k	18.0%	21.1%	20.6%
Over $200k	9.9%	4.0%	5.7%

Under $10k 2.5%

$10k–$15k 1.4%

$15k–$25k 2.5%

$25k–$35k 7.0%

$35k–$50k 12.2%

$50k–$75k 12.0%

$75k–$100k 13.7%

$100k–$150k 25.0%

$150k–$200k 8.7%

$200k+ 15.1%

Range	% of households
Under $10k	2.5%
$10k–$15k	1.4%
$15k–$25k	2.5%
$25k–$35k	7.0%
$35k–$50k	12.2%
$50k–$75k	12.0%
$75k–$100k	13.7%
$100k–$150k	25.0%
$150k–$200k	8.7%
$200k+	15.1%
Median income	$98,523

Housing

Home values

$50k–$100k 2.8%

$100k–$150k 5.2%

$150k–$200k 16.6%

$200k–$300k 17.4%

$300k–$500k 36.1%

$500k–$1M 21.0%

$1M+ 1.0%

Housing overview

Metric	Value
Median home value	$334,300
Median rent / month	$0
Owner occupied	96.9%
Renter occupied	3.1%
Vacant	67.3%
Single-family detached	96.6%
Large apartment buildings	0.0%
Mobile homes	1.1%
Median rooms	5.9
Avg household size (owned)	1.85

Year built

Era	%
2020 or later	0.0%
2010–2019	1.6%
2000–2009	8.9%
1990–1999	11.1%
1980–1989	9.6%
1970–1979	12.5%
1960–1969	9.5%
1950–1959	10.4%
1940–1949	9.6%
1939 or earlier	26.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	5.8%
2 bedrooms	21.2%
3 bedrooms	52.2%
4 bedrooms	15.2%
5+ bedrooms	5.6%

Vehicles per household

Vehicles	% of households
No vehicle	1.4%
1 vehicle	41.2%
2 vehicles	49.1%
3 or more	8.3%

Heating fuel

Fuel type	%
Utility gas	91.3%
Electricity	3.1%
Propane / LP gas	2.9%

Households & families

Household type	Count	%
Married-couple family	242	46.8%
Cohabiting couple	27	5.2%
Male householder, no spouse	138	26.7%
Female householder, no spouse	110	21.3%
Households with children under 18	16	3.1%
Households with seniors (65+)	367	71.0%
Average household size	1.86

Marital status

Status	Male	Female
Never married	21.6%	6.6%
Married	51.4%	61.4%
Separated	0.0%	0.0%
Widowed	4.8%	21.4%
Divorced	22.2%	10.7%

Education

Less than 9th grade 0.7%

Some HS, no diploma 3.9%

HS graduate 22.1%

Some college, no degree 30.5%

Associate's degree 13.3%

Bachelor's degree 12.9%

Graduate / professional 16.6%

Metric	%
HS diploma or higher	95.4%
Bachelor's or higher	29.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	6	23.1%
High school	0	0.0%
College / grad school	20	76.9%

Employment

Industry of employment

Construction 24.0%

Education & healthcare 19.9%

Manufacturing 14.4%

Public administration 8.6%

Other services 8.4%

Retail trade 7.9%

Transportation & utilities 5.8%

Professional & management 5.5%

Finance & real estate 4.3%

Arts, food & hospitality 1.2%

Occupation

Category	%
Management, business & arts	34.5%
Service	9.8%
Sales & office	16.3%
Natural resources & construction	22.1%
Production & transportation	17.3%

Employment type

Type	%
Private sector	79.4%
Government	11.5%
Self-employed	8.2%
Unpaid family workers	1.0%

Commute

Method	%
Drive alone	85.4%
Carpool	6.0%
Public transit	0.0%
Walk	3.6%
Work from home	5.0%
Other means	0.0%
Avg commute (minutes)	35.7

Poverty

All people 6.7%

Under 18 years 84.6%

18 and over 4.5%

Married-couple families 2.5%

Female-led households 8.6%

Income support

Source	% of households
Social Security	60.7%
Retirement income	49.9%
Supplemental Security	3.5%
Cash public assistance	0.0%
Food stamps / SNAP	0.8%

Health indicators

Condition	%
Obesity	35.4%
High blood pressure	42.4%
High cholesterol	43.3%
Diabetes	14.0%
Heart disease	9.9%
Stroke	4.1%
Asthma	10.2%
Arthritis	39.2%
Kidney disease	3.9%
Pulmonary disease	9.5%
Cancer	10.5%

Behavior / access	%
Smoking	16.4%
Binge drinking	14.9%
No physical activity	19.8%
Less than 7 hrs sleep	28.8%
Depression	18.5%
Fair or poor health	15.1%
Poor mental health	12.8%
Poor physical health	11.7%
No health insurance	7.1%
Visited doctor (checkup)	79.2%
Visited dentist	75.3%
Cholesterol screening	95.5%
Teeth loss	10.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	53	5.7%

Disability	%
Any disability	17.4%
Under 18	0.0%
18–64 years	8.6%
65 and over	25.3%

Health insurance coverage

Type	%
Private insurance	71.6%
Public insurance	57.9%
No insurance	8.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	941	97.9%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	948	98.6%
Born in same state	942	98.0%
Born in different state	881	91.7%
Foreign born	6	0.6%
Naturalized citizen	13	1.4%
Not a US citizen	13	100.0%

Ancestry

Ancestry	Count	%
Italian	178	18.5%
French	110	11.4%
Arab	69	7.2%

Ancestry	Count	%
German	40	4.2%
English	25	2.6%
Polish	18	1.9%

Technology access

Metric	% of households
Computer access	53.8%
Internet access	90.5%

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

Frequently asked questions about ZIP code 48028

What city is ZIP code 48028 in?

ZIP code 48028 is primarily assigned to Harsens Island, Michigan.

What county is ZIP code 48028 in?

ZIP code 48028 falls within Saint Clair County, Michigan.

Does ZIP code 48028 have an older population?

54% of residents in ZIP code 48028 are 65 or older, above the national average of ~17%.

Does ZIP code 48028 have a large retiree population?

61% of households in ZIP code 48028 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 48028 mostly owner-occupied?

97% of occupied units in ZIP code 48028 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 48028?

The median home value in ZIP code 48028 is $334,300.

What timezone is ZIP code 48028 in?

ZIP code 48028 observes the EST timezone.