48723 ZIP Code — Caro, MI

Tuscola County, Michigan

ZIP code 48723 is located in Caro, Michigan, within Tuscola County. It covers approximately 131.76 square miles and serves a population of 12,389 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 989.

About ZIP code 48723

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $116,300. Owner-occupancy is high at 79%, well above the national average.

Median household income is $56,116. SNAP benefit usage at 19% of households reflects economic stress in the area. 44% 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 28 minutes is near the national average.

College attainment at 18% 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.

Notable community characteristics include disability rates above the national average at 22%.

Overall, ZIP code 48723 reflects a community defined by a trades-oriented workforce, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

12,389

population

131.76

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

48723 ZIP code map

Cities in ZIP code 48723

Below are the cities the US Postal Service accepts for ZIP code 48723. Using any city not on this list may result in mail delivery delays.

City	Status
Caro	Preferred

Nearby ZIP codes

48744 Mayville (9.8 mi) 48729 Deford (9.9 mi) 48733 Fairgrove (10 mi) 48701 Akron (10.8 mi) 48767 Unionville (11.4 mi) 48741 Kingston (11.5 mi) 48726 Cass City (11.8 mi) 48768 Vassar (12.3 mi) 48735 Gagetown (12.6 mi) 48727 Clifford (13.9 mi) 48757 Reese (14.8 mi) 48760 Silverwood (15 mi)

Demographics updated 06/2026

Population
Total population	12,389
Population density	94 / sq mi
State FIPS	26
County FIPS	157

Geography
Land area	131.76 sq mi
Water area	2.88 sq mi
Latitude	43.4923
Longitude	-83.3851
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	51.0%	47.8%	42.6%
$50k – $100k	29.6%	34.2%	31.1%
$100k – $200k	16.8%	15.9%	20.6%
Over $200k	2.6%	2.1%	5.7%

Demographics & statistics

12,389

Population

People per sq mi

42.5

Median age

$56,116

Median household income

$29,952

Per capita income

$116,300

Median home value

$740

Median monthly rent

79.2%

Home ownership

16.8%

Poverty rate

6.3%

Unemployment

4,164

Housing units

17.6%

Bachelor's or higher

Age distribution

Male Female

236

Under 5

238

382

5–9

385

445

10–14

449

382

15–19

385

253

20–24

255

725

25–34

731

830

35–44

836

650

45–54

656

494

55–59

498

401

60–64

405

805

65–74

811

358

75–84

361

208

85+

210

← Male

Female →

Age summary

Group	Count	%
Under 18	2,670	21.6%
18 and over	9,719	78.4%
65 and over	2,753	22.2%
Median age	42.5 years

Race & ethnicity

White 90.4%

Two or more races 3.8%

Hispanic or Latino 3.1%

Black or African American 1.5%

Asian 0.6%

Other race 0.3%

American Indian / Alaska Native 0.3%

Group	Count	%
White	11,554	90.4%
Two or more races	490	3.8%
Hispanic or Latino	391	3.1%
Black or African American	191	1.5%
Asian	78	0.6%
Other race	44	0.3%
American Indian / Alaska Native	32	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	51.0%	47.8%	42.6%
$50k – $100k	29.6%	34.2%	31.1%
$100k – $200k	16.8%	15.9%	20.6%
Over $200k	2.6%	2.1%	5.7%

Under $10k 5.3%

$10k–$15k 6.1%

$15k–$25k 9.7%

$25k–$35k 11.0%

$35k–$50k 14.0%

$50k–$75k 17.7%

$75k–$100k 10.6%

$100k–$150k 17.0%

$150k–$200k 6.2%

$200k+ 2.5%

Range	% of households
Under $10k	5.3%
$10k–$15k	6.1%
$15k–$25k	9.7%
$25k–$35k	11.0%
$35k–$50k	14.0%
$50k–$75k	17.7%
$75k–$100k	10.6%
$100k–$150k	17.0%
$150k–$200k	6.2%
$200k+	2.5%
Median income	$56,116

Housing

Home values

Under $50k 17.3%

$50k–$100k 24.1%

$100k–$150k 22.7%

$150k–$200k 15.2%

$200k–$300k 12.3%

$300k–$500k 6.3%

$500k–$1M 1.9%

$1M+ 0.3%

Housing overview

Metric	Value
Median home value	$116,300
Median rent / month	$740
Owner occupied	79.2%
Renter occupied	20.8%
Vacant	5.7%
Single-family detached	74.6%
Large apartment buildings	4.5%
Mobile homes	14.1%
Median rooms	5.8
Avg household size (owned)	2.44

Year built

Era	%
2020 or later	0.0%
2010–2019	1.9%
2000–2009	9.4%
1990–1999	12.0%
1980–1989	11.0%
1970–1979	21.3%
1960–1969	10.3%
1950–1959	10.8%
1940–1949	8.9%
1939 or earlier	14.3%

Bedrooms

Size	% of units
No bedroom (studio)	1.1%
1 bedroom	5.3%
2 bedrooms	28.4%
3 bedrooms	48.2%
4 bedrooms	12.3%
5+ bedrooms	4.7%

Vehicles per household

Vehicles	% of households
No vehicle	8.8%
1 vehicle	34.8%
2 vehicles	36.1%
3 or more	20.3%

Heating fuel

Fuel type	%
Utility gas	48.8%
Electricity	12.3%
Propane / LP gas	29.7%
Fuel oil	1.4%
Wood	4.5%
Solar	0.1%
No fuel used	0.5%

Households & families

Household type	Count	%
Married-couple family	2,085	42.7%
Cohabiting couple	362	7.4%
Male householder, no spouse	991	20.3%
Female householder, no spouse	1,450	29.7%
Households with children under 18	1,265	25.9%
Households with seniors (65+)	1,744	35.7%
Average household size	2.41

Marital status

Status	Male	Female
Never married	36.5%	20.2%
Married	47.1%	43.6%
Separated	0.6%	2.4%
Widowed	3.2%	17.5%
Divorced	12.6%	16.3%

Education

Less than 9th grade 2.3%

Some HS, no diploma 7.8%

HS graduate 45.8%

Some college, no degree 15.9%

Associate's degree 10.6%

Bachelor's degree 11.8%

Graduate / professional 5.8%

Metric	%
HS diploma or higher	89.9%
Bachelor's or higher	17.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	106	4.0%
Kindergarten	129	4.9%
Elementary school	1,420	54.1%
High school	641	24.4%
College / grad school	331	12.6%

Employment

Industry of employment

Education & healthcare 25.0%

Manufacturing 19.5%

Retail trade 11.1%

Professional & management 10.1%

Construction 6.0%

Arts, food & hospitality 5.9%

Other services 4.9%

Finance & real estate 4.7%

Public administration 3.6%

Transportation & utilities 3.3%

Wholesale trade 2.8%

Agriculture & mining 2.0%

Information 1.2%

Occupation

Category	%
Management, business & arts	32.1%
Service	20.6%
Sales & office	18.1%
Natural resources & construction	12.1%
Production & transportation	17.1%

Employment type

Type	%
Private sector	79.8%
Government	12.2%
Self-employed	6.5%
Unpaid family workers	1.6%

Commute

Method	%
Drive alone	80.7%
Carpool	11.3%
Public transit	0.7%
Walk	2.1%
Work from home	4.2%
Other means	1.1%
Avg commute (minutes)	27.6

Poverty

All people 16.8%

Under 18 years 16.5%

18 and over 16.9%

Married-couple families 3.5%

Female-led households 31.8%

Income support

Source	% of households
Social Security	44.2%
Retirement income	29.9%
Supplemental Security	11.3%
Cash public assistance	8.4%
Food stamps / SNAP	18.7%

Health indicators

Condition	%
Obesity	36.2%
High blood pressure	36.7%
High cholesterol	35.3%
Diabetes	12.3%
Heart disease	7.9%
Stroke	3.8%
Asthma	11.3%
Arthritis	33.8%
Kidney disease	3.4%
Pulmonary disease	9.7%
Cancer	7.4%

Behavior / access	%
Smoking	23.6%
Binge drinking	18.0%
No physical activity	24.2%
Less than 7 hrs sleep	37.0%
Depression	22.7%
Fair or poor health	17.7%
Poor mental health	17.1%
Poor physical health	12.9%
No health insurance	11.3%
Visited doctor (checkup)	74.8%
Visited dentist	63.8%
Cholesterol screening	90.3%
Teeth loss	15.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	620	6.4%

Disability	%
Any disability	22.4%
Under 18	6.9%
18–64 years	20.4%
65 and over	43.5%

Health insurance coverage

Type	%
Private insurance	64.9%
Public insurance	50.1%
No insurance	4.6%
Uninsured under 19	2.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	11,915	96.2%
Spanish	161	1.4%
Other Indo-European	136	1.1%
Asian & Pacific Islander	16	0.1%
Other languages	9	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	12,228	98.7%
Born in same state	12,198	98.5%
Born in different state	11,248	90.8%
Foreign born	30	0.2%
Naturalized citizen	161	1.3%
Not a US citizen	82	50.9%

Ancestry

Ancestry	Count	%
Italian	1,333	10.8%
French	1,236	10%
Arab	559	4.5%
German	189	1.5%
Irish	175	1.4%

Ancestry	Count	%
English	169	1.4%
Polish	29	0.2%
Norwegian	16	0.1%
Dutch	4	0%

Technology access

Metric	% of households
Computer access	39.5%
Internet access	88.3%

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

Frequently asked questions about ZIP code 48723

What city is ZIP code 48723 in?

ZIP code 48723 is primarily assigned to Caro, Michigan.

What county is ZIP code 48723 in?

ZIP code 48723 falls within Tuscola County, Michigan.

Does ZIP code 48723 have a large retiree population?

44% of households in ZIP code 48723 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 48723?

17% of residents in ZIP code 48723 live below the poverty line, above the national average.

What is the typical home value in ZIP code 48723?

The median home value in ZIP code 48723 is $116,300.

What is the population of ZIP code 48723?

ZIP code 48723 has an estimated population of 12,389 residents, with a density of 94 people per square mile.

What timezone is ZIP code 48723 in?

ZIP code 48723 observes the EST timezone.