48732 ZIP Code — Essexville, MI

Bay County, Michigan

ZIP code 48732 is located in Essexville, Michigan, within Bay County. It covers approximately 24.61 square miles and serves a population of 11,204 residents. This is a po box ZIP code in the Eastern (ET) timezone, served by area code 989.

About ZIP code 48732

The housing stock consists of a mix of housing types. Most homes were built in the 1970s, giving the area an established character. Median home value is $149,400. Owner-occupancy sits near the national average at 69%.

Median household income is $52,104. 42% 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 21% is below the national average, consistent with a trades and production-oriented local economy.

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

Notable community characteristics include a notable veteran presence at 13% of civilians, above the national average of 7%.

Overall, ZIP code 48732 reflects a community defined by a strong veteran community and a significant Social Security-dependent population.

11,204

population

24.61

sq mi land

PO Box

ZIP type

Eastern (ET)

timezone

48732 ZIP code map

Cities in ZIP code 48732

Below are the cities the US Postal Service accepts for ZIP code 48732. Using any city not on this list may result in mail delivery delays.

City	Status
Essexville	Acceptable

Demographics updated 06/2026

Population
Total population	11,204
Population density	455 / sq mi
State FIPS	26
County FIPS	017

Geography
Land area	24.61 sq mi
Water area	6.82 sq mi
Latitude	43.6069
Longitude	-83.7737
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	54.4%	52.1%	42.6%
$50k – $100k	28.1%	29.2%	31.1%
$100k – $200k	11.9%	16.3%	20.6%
Over $200k	5.6%	2.5%	5.7%

Demographics & statistics

11,204

Population

455

People per sq mi

48.4

Median age

$52,104

Median household income

$32,939

Per capita income

$149,400

Median home value

$775

Median monthly rent

69.2%

Home ownership

15.2%

Poverty rate

4.0%

Unemployment

3,855

Housing units

20.8%

Bachelor's or higher

Age distribution

Male Female

383

Under 5

338

289

5–9

255

222

10–14

195

265

15–19

234

330

20–24

291

810

25–34

713

515

35–44

454

716

45–54

630

405

55–59

357

482

60–64

424

1,046

65–74

920

373

75–84

329

121

85+

107

← Male

Female →

Age summary

Group	Count	%
Under 18	2,049	18.3%
18 and over	9,155	81.7%
65 and over	2,896	25.8%
Median age	48.4 years

Race & ethnicity

White 91.7%

Two or more races 5%

Hispanic or Latino 2.1%

Black or African American 0.6%

Asian 0.4%

Other race 0.1%

Group	Count	%
White	10,491	91.7%
Two or more races	574	5%
Hispanic or Latino	239	2.1%
Black or African American	70	0.6%
Asian	51	0.4%
Other race	13	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	54.4%	52.1%	42.6%
$50k – $100k	28.1%	29.2%	31.1%
$100k – $200k	11.9%	16.3%	20.6%
Over $200k	5.6%	2.5%	5.7%

Under $10k 6.2%

$10k–$15k 6.7%

$15k–$25k 8.7%

$25k–$35k 13.4%

$35k–$50k 12.4%

$50k–$75k 19.7%

$75k–$100k 10.2%

$100k–$150k 11.5%

$150k–$200k 6.3%

$200k+ 4.9%

Range	% of households
Under $10k	6.2%
$10k–$15k	6.7%
$15k–$25k	8.7%
$25k–$35k	13.4%
$35k–$50k	12.4%
$50k–$75k	19.7%
$75k–$100k	10.2%
$100k–$150k	11.5%
$150k–$200k	6.3%
$200k+	4.9%
Median income	$52,104

Housing

Home values

Under $50k 5.2%

$50k–$100k 15.3%

$100k–$150k 29.9%

$150k–$200k 21.0%

$200k–$300k 19.7%

$300k–$500k 8.4%

$1M+ 0.5%

Housing overview

Metric	Value
Median home value	$149,400
Median rent / month	$775
Owner occupied	69.2%
Renter occupied	30.8%
Vacant	5.2%
Single-family detached	66.4%
Large apartment buildings	11.9%
Mobile homes	7.0%
Median rooms	5.4
Avg household size (owned)	2.26

Year built

Era	%
2020 or later	0.0%
2010–2019	1.0%
2000–2009	4.7%
1990–1999	6.9%
1980–1989	9.2%
1970–1979	25.7%
1960–1969	17.3%
1950–1959	17.4%
1940–1949	6.9%
1939 or earlier	11.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.2%
1 bedroom	12.5%
2 bedrooms	31.2%
3 bedrooms	41.1%
4 bedrooms	11.8%
5+ bedrooms	3.1%

Vehicles per household

Vehicles	% of households
No vehicle	5.9%
1 vehicle	34.1%
2 vehicles	41.7%
3 or more	18.3%

Heating fuel

Fuel type	%
Utility gas	82.3%
Electricity	13.4%
Propane / LP gas	3.3%
Wood	0.3%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	2,330	45.1%
Cohabiting couple	437	8.5%
Male householder, no spouse	1,142	22.1%
Female householder, no spouse	1,253	24.3%
Households with children under 18	1,242	24.1%
Households with seniors (65+)	1,989	38.5%
Average household size	2.14

Marital status

Status	Male	Female
Never married	29.8%	24.1%
Married	51.4%	51.2%
Separated	0.5%	0.6%
Widowed	8.8%	9.5%
Divorced	9.5%	14.6%

Education

Less than 9th grade 0.8%

Some HS, no diploma 6.5%

HS graduate 29.6%

Some college, no degree 28.6%

Associate's degree 13.7%

Bachelor's degree 13.5%

Graduate / professional 7.3%

Metric	%
HS diploma or higher	92.7%
Bachelor's or higher	20.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	42	2.3%
Kindergarten	143	7.7%
Elementary school	639	34.3%
High school	512	27.5%
College / grad school	525	28.2%

Employment

Industry of employment

Education & healthcare 25.0%

Manufacturing 14.4%

Retail trade 13.1%

Arts, food & hospitality 8.9%

Other services 7.5%

Professional & management 6.8%

Finance & real estate 6.0%

Construction 5.8%

Transportation & utilities 3.5%

Public administration 3.3%

Wholesale trade 3.2%

Information 1.5%

Agriculture & mining 1.0%

Occupation

Category	%
Management, business & arts	31.6%
Service	21.4%
Sales & office	21.1%
Natural resources & construction	12.0%
Production & transportation	13.9%

Employment type

Type	%
Private sector	82.8%
Government	10.7%
Self-employed	6.3%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	85.1%
Carpool	7.0%
Public transit	0.5%
Walk	0.1%
Work from home	6.9%
Other means	0.4%
Avg commute (minutes)	22.9

Poverty

All people 15.2%

Under 18 years 24.3%

18 and over 13.1%

Married-couple families 4.9%

Female-led households 31.3%

Income support

Source	% of households
Social Security	42.4%
Retirement income	37.5%
Supplemental Security	7.1%
Cash public assistance	5.0%
Food stamps / SNAP	14.8%

Health indicators

Condition	%
Obesity	37.8%
High blood pressure	36.1%
High cholesterol	36.6%
Diabetes	12.2%
Heart disease	8.0%
Stroke	3.8%
Asthma	11.1%
Arthritis	33.0%
Kidney disease	3.5%
Pulmonary disease	9.3%
Cancer	7.8%

Behavior / access	%
Smoking	21.0%
Binge drinking	19.2%
No physical activity	22.5%
Less than 7 hrs sleep	32.8%
Depression	22.8%
Fair or poor health	16.6%
Poor mental health	16.3%
Poor physical health	12.4%
No health insurance	9.7%
Visited doctor (checkup)	76.0%
Visited dentist	66.3%
Cholesterol screening	91.2%
Teeth loss	14.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,150	12.6%

Disability	%
Any disability	17.7%
Under 18	4.5%
18–64 years	16.6%
65 and over	30.0%

Health insurance coverage

Type	%
Private insurance	70.0%
Public insurance	47.1%
No insurance	5.1%
Uninsured under 19	1.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	10,483	93.6%
Spanish	44	0.4%
Other Indo-European	0	0.0%
Asian & Pacific Islander	12	0.1%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	11,115	99.2%
Born in same state	11,110	99.2%
Born in different state	10,249	91.5%
Foreign born	5	0.0%
Naturalized citizen	89	0.8%
Not a US citizen	83	93.3%

Ancestry

Ancestry	Count	%
Italian	1,553	13.9%
French	1,111	9.9%
German	364	3.2%
Arab	212	1.9%

Ancestry	Count	%
English	198	1.8%
Irish	121	1.1%
Dutch	118	1.1%

Technology access

Metric	% of households
Computer access	46.1%
Internet access	91.0%

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

Frequently asked questions about ZIP code 48732

What city is ZIP code 48732 in?

ZIP code 48732 is primarily assigned to Essexville, Michigan.

What county is ZIP code 48732 in?

ZIP code 48732 falls within Bay County, Michigan.

Does ZIP code 48732 have an older population?

26% of residents in ZIP code 48732 are 65 or older, above the national average of ~17%.

Does ZIP code 48732 have a large retiree population?

42% of households in ZIP code 48732 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 48732?

15% of residents in ZIP code 48732 live below the poverty line, above the national average.

Does ZIP code 48732 have a large veteran population?

13% of civilians in ZIP code 48732 are veterans, above the national average of ~7%.

What timezone is ZIP code 48732 in?

ZIP code 48732 observes the EST timezone.