48708 ZIP Code — Bay City, MI

Bay County, Michigan

ZIP code 48708 is located in Bay City, Michigan, within Bay County. It covers approximately 29.05 square miles and serves a population of 25,857 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 989.

About ZIP code 48708

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 $90,200. Owner-occupancy sits near the national average at 68%.

Median household income is $47,024. Poverty affects 22% of residents, above the national average. SNAP benefit usage at 21% of households reflects economic stress in the area. 41% 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 23 minutes is near the national average.

College attainment at 16% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (24%) compared to national benchmarks.

Overall, ZIP code 48708 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

25,857

population

29.05

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

48708 ZIP code map

Cities in ZIP code 48708

Below are the cities the US Postal Service accepts for ZIP code 48708. Using any city not on this list may result in mail delivery delays.

City	Status
Bay City	Preferred

Nearby ZIP codes

48747 Munger (4.1 mi) 48706 Bay City (6.8 mi) 48710 University Center (8.1 mi) 48757 Reese (9 mi) 48604 Saginaw (9.4 mi) 48607 Saginaw (10.9 mi) 48601 Saginaw (11.8 mi) 48663 Saginaw (12.1 mi) 48631 Kawkawlin (12.2 mi) 48603 Saginaw (12.4 mi) 48733 Fairgrove (12.6 mi) 48602 Saginaw (12.8 mi)

Demographics updated 06/2026

Population
Total population	25,857
Population density	890 / sq mi
State FIPS	26
County FIPS	017

Geography
Land area	29.05 sq mi
Water area	2.07 sq mi
Latitude	43.5672
Longitude	-83.8223
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	61.3%	52.1%	42.6%
$50k – $100k	24.5%	29.2%	31.1%
$100k – $200k	12.5%	16.3%	20.6%
Over $200k	1.6%	2.5%	5.7%

Demographics & statistics

25,857

Population

890

People per sq mi

41.7

Median age

$47,024

Median household income

$29,675

Per capita income

$90,200

Median home value

$671

Median monthly rent

68.3%

Home ownership

22.4%

Poverty rate

6.7%

Unemployment

8,856

Housing units

16.3%

Bachelor's or higher

Age distribution

Male Female

551

Under 5

572

714

5–9

740

667

10–14

691

866

15–19

898

914

20–24

949

1,564

25–34

1,622

1,726

35–44

1,790

1,633

45–54

1,694

670

55–59

696

1,173

60–64

1,216

1,257

65–74

1,304

647

75–84

671

310

85+

322

← Male

Female →

Age summary

Group	Count	%
Under 18	4,950	19.1%
18 and over	20,907	80.9%
65 and over	4,511	17.4%
Median age	41.7 years

Race & ethnicity

White 81.4%

Two or more races 8.2%

Hispanic or Latino 5.6%

Black or African American 3%

Other race 0.8%

Asian 0.7%

American Indian / Alaska Native 0.2%

Group	Count	%
White	22,303	81.4%
Two or more races	2,246	8.2%
Hispanic or Latino	1,541	5.6%
Black or African American	822	3%
Other race	218	0.8%
Asian	205	0.7%
American Indian / Alaska Native	55	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	61.3%	52.1%	42.6%
$50k – $100k	24.5%	29.2%	31.1%
$100k – $200k	12.5%	16.3%	20.6%
Over $200k	1.6%	2.5%	5.7%

Under $10k 7.0%

$10k–$15k 9.8%

$15k–$25k 10.6%

$25k–$35k 9.5%

$35k–$50k 16.1%

$50k–$75k 17.3%

$75k–$100k 12.2%

$100k–$150k 9.3%

$150k–$200k 3.9%

$200k+ 4.4%

Range	% of households
Under $10k	7.0%
$10k–$15k	9.8%
$15k–$25k	10.6%
$25k–$35k	9.5%
$35k–$50k	16.1%
$50k–$75k	17.3%
$75k–$100k	12.2%
$100k–$150k	9.3%
$150k–$200k	3.9%
$200k+	4.4%
Median income	$47,024

Housing

Home values

Under $50k 14.2%

$50k–$100k 45.2%

$100k–$150k 20.6%

$150k–$200k 8.1%

$200k–$300k 8.5%

$300k–$500k 3.0%

$500k–$1M 0.4%

$1M+ 0.1%

Housing overview

Metric	Value
Median home value	$90,200
Median rent / month	$671
Owner occupied	68.3%
Renter occupied	31.7%
Vacant	9.5%
Single-family detached	72.7%
Large apartment buildings	6.2%
Mobile homes	1.0%
Median rooms	5.7
Avg household size (owned)	2.41

Year built

Era	%
2020 or later	0.0%
2010–2019	1.4%
2000–2009	2.6%
1990–1999	3.0%
1980–1989	3.3%
1970–1979	9.0%
1960–1969	7.9%
1950–1959	16.5%
1940–1949	10.3%
1939 or earlier	45.9%

Bedrooms

Size	% of units
No bedroom (studio)	1.4%
1 bedroom	14.8%
2 bedrooms	22.3%
3 bedrooms	40.5%
4 bedrooms	16.5%
5+ bedrooms	4.5%

Vehicles per household

Vehicles	% of households
No vehicle	14.0%
1 vehicle	40.1%
2 vehicles	31.5%
3 or more	14.4%

Heating fuel

Fuel type	%
Utility gas	85.7%
Electricity	9.1%
Propane / LP gas	1.5%
Fuel oil	0.8%
Wood	1.7%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	3,965	35.3%
Cohabiting couple	1,019	9.1%
Male householder, no spouse	2,510	22.3%
Female householder, no spouse	3,754	33.4%
Households with children under 18	2,684	23.9%
Households with seniors (65+)	3,532	31.4%
Average household size	2.26

Marital status

Status	Male	Female
Never married	40.0%	33.8%
Married	40.3%	38.2%
Separated	2.4%	2.0%
Widowed	2.7%	10.6%
Divorced	14.5%	15.4%

Education

Less than 9th grade 4.0%

Some HS, no diploma 8.1%

HS graduate 34.0%

Some college, no degree 27.8%

Associate's degree 9.8%

Bachelor's degree 11.3%

Graduate / professional 5.1%

Metric	%
HS diploma or higher	87.9%
Bachelor's or higher	16.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	206	3.8%
Kindergarten	216	4.0%
Elementary school	2,340	43.3%
High school	1,491	27.6%
College / grad school	1,149	21.3%

Employment

Industry of employment

Education & healthcare 24.4%

Retail trade 16.7%

Arts, food & hospitality 14.3%

Manufacturing 13.9%

Other services 6.6%

Professional & management 5.3%

Construction 4.7%

Finance & real estate 4.0%

Public administration 3.2%

Transportation & utilities 2.9%

Wholesale trade 1.6%

Agriculture & mining 1.4%

Information 1.1%

Occupation

Category	%
Management, business & arts	28.1%
Service	22.3%
Sales & office	26.2%
Natural resources & construction	7.9%
Production & transportation	15.5%

Employment type

Type	%
Private sector	81.8%
Government	10.9%
Self-employed	7.2%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	79.8%
Carpool	7.8%
Public transit	0.4%
Walk	3.5%
Work from home	6.2%
Other means	2.3%
Avg commute (minutes)	22.6

Poverty

All people 22.4%

Under 18 years 29.5%

18 and over 20.8%

Married-couple families 6.3%

Female-led households 29.6%

Income support

Source	% of households
Social Security	40.9%
Retirement income	27.2%
Supplemental Security	10.1%
Cash public assistance	3.4%
Food stamps / SNAP	20.6%

Health indicators

Condition	%
Obesity	40.0%
High blood pressure	34.6%
High cholesterol	34.6%
Diabetes	12.1%
Heart disease	7.3%
Stroke	3.6%
Asthma	11.6%
Arthritis	30.8%
Kidney disease	3.3%
Pulmonary disease	9.3%
Cancer	6.6%

Behavior / access	%
Smoking	23.9%
Binge drinking	20.3%
No physical activity	24.0%
Less than 7 hrs sleep	34.4%
Depression	23.8%
Fair or poor health	18.0%
Poor mental health	17.7%
Poor physical health	12.9%
No health insurance	11.7%
Visited doctor (checkup)	74.5%
Visited dentist	62.3%
Cholesterol screening	89.4%
Teeth loss	15.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,688	8.1%

Disability	%
Any disability	19.1%
Under 18	6.9%
18–64 years	17.0%
65 and over	40.3%

Health insurance coverage

Type	%
Private insurance	62.6%
Public insurance	47.8%
No insurance	7.1%
Uninsured under 19	4.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	24,734	95.7%
Spanish	178	0.7%
Other Indo-European	84	0.3%
Asian & Pacific Islander	69	0.3%
Other languages	25	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	25,551	98.8%
Born in same state	25,364	98.1%
Born in different state	22,413	86.7%
Foreign born	187	0.7%
Naturalized citizen	306	1.2%
Not a US citizen	236	77.1%

Ancestry

Ancestry	Count	%
Italian	2,840	11%
French	1,793	6.9%
Arab	866	3.3%
English	833	3.2%
German	572	2.2%

Ancestry	Count	%
Irish	348	1.3%
Polish	254	1%
Dutch	15	0.1%
Norwegian	13	0.1%

Technology access

Metric	% of households
Computer access	43.5%
Internet access	87.9%

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

Frequently asked questions about ZIP code 48708

What city is ZIP code 48708 in?

ZIP code 48708 is primarily assigned to Bay City, Michigan.

What county is ZIP code 48708 in?

ZIP code 48708 falls within Bay County, Michigan.

What is the poverty rate in ZIP code 48708?

22% of residents in ZIP code 48708 live below the poverty line, above the national average.

Does ZIP code 48708 have a large retiree population?

41% of households in ZIP code 48708 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 48708?

The median home value in ZIP code 48708 is $90,200.

What is the median household income in ZIP code 48708?

The median household income in ZIP code 48708 is $47,024, below the national median of ~$75,000.

What timezone is ZIP code 48708 in?

ZIP code 48708 observes the EST timezone.