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Michigan ZIP Codes
Bay County
Kawkawlin, MI
48631
48631 ZIP Code — Kawkawlin, MI
Bay County, Michigan
ZIP code 48631 is located in
Kawkawlin ,
Michigan ,
within Bay County .
It covers approximately 32.95 square miles and serves a population of
3,924 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 989 .
About ZIP code 48631
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 $156,300. Owner-occupancy is high at 76%, well above the national average.
Median household income is $75,100. The poverty rate of 6% is below the national average. 36% 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 19 minutes is near the national average.
College attainment at 19% is below the national average, consistent with a trades and production-oriented local economy.
Overall, ZIP code 48631 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.
48631 ZIP code map
View map of 48631
Cities in ZIP code 48631
Below are the cities the US Postal Service accepts for ZIP code 48631. Using any city not on this list may result in mail delivery delays.
Nearby ZIP codes
Demographics
updated 06/2026
Population
Total population
3,924
Population density
119 / sq mi
State FIPS
26
County FIPS
017
Geography
Land area
32.95 sq mi
Water area
1.00 sq mi
Latitude
43.6819
Longitude
-84.0067
Timezone
Eastern (ET)
Area code
989
Economics
updated 06/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
36.3%
52.1%
42.6%
$50k – $100k
47.0%
29.2%
31.1%
$100k – $200k
14.7%
16.3%
20.6%
Over $200k
2.0%
2.5%
5.7%
Demographics & statistics
$75,100
Median household income
$156,300
Median home value
19.0%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 810 20.6% 18 and over 3,114 79.4% 65 and over 808 20.6% Median age 46.7 years
Race & ethnicity
Group Count % White 3,750 94.5% Two or more races 162 4.1% Hispanic or Latino 45 1.1% Other race 12 0.3%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
36.3%
52.1%
42.6%
$50k – $100k
47.0%
29.2%
31.1%
$100k – $200k
14.7%
16.3%
20.6%
Over $200k
2.0%
2.5%
5.7%
Range % of households Under $10k 3.0% $10k–$15k 1.3% $15k–$25k 4.9% $25k–$35k 9.7% $35k–$50k 6.5% $50k–$75k 24.5% $75k–$100k 20.8% $100k–$150k 14.8% $150k–$200k 7.1% $200k+ 7.4% Median income $75,100
Housing
Housing overview
Metric Value Median home value $156,300 Median rent / month $768 Owner occupied 75.7% Renter occupied 24.3% Vacant 9.7% Single-family detached 83.3% Large apartment buildings 0.0% Mobile homes 13.6% Median rooms 6.4 Avg household size (owned) 2.44
Year built
Era % 2020 or later 0.0% 2010–2019 0.7% 2000–2009 10.2% 1990–1999 15.7% 1980–1989 10.4% 1970–1979 23.6% 1960–1969 5.1% 1950–1959 12.7% 1940–1949 6.2% 1939 or earlier 15.2%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 0.7% 2 bedrooms 16.9% 3 bedrooms 56.5% 4 bedrooms 21.0% 5+ bedrooms 4.8%
Vehicles per household
Vehicles % of households No vehicle 1.2% 1 vehicle 19.8% 2 vehicles 53.6% 3 or more 25.4%
Heating fuel
Fuel type % Utility gas 78.3% Electricity 3.3% Propane / LP gas 10.1% Fuel oil 2.0% Wood 6.0%
Households & families
Household type Count % Married-couple family 1,004 57.8% Cohabiting couple 55 3.2% Male householder, no spouse 410 23.6% Female householder, no spouse 269 15.5% Households with children under 18 463 26.6% Households with seniors (65+) 504 29.0% Average household size 2.22
Marital status
Status Male Female Never married 31.0% 16.2% Married 55.9% 63.1% Separated 0.0% 0.8% Widowed 3.4% 10.4% Divorced 9.7% 9.4%
Education
Some college, no degree
19.1%
Graduate / professional
6.2%
Metric % HS diploma or higher 90.9% Bachelor's or higher 19.0%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 88 10.4% Kindergarten 16 1.9% Elementary school 405 47.6% High school 227 26.7% College / grad school 114 13.4%
Employment
Industry of employment
Education & healthcare
25.5%
Transportation & utilities
5.5%
Finance & real estate
5.4%
Professional & management
5.0%
Public administration
2.4%
Arts, food & hospitality
2.3%
Agriculture & mining
0.7%
Occupation
Category % Management, business & arts 36.8% Service 11.3% Sales & office 20.3% Natural resources & construction 10.2% Production & transportation 21.3%
Employment type
Type % Private sector 78.5% Government 9.0% Self-employed 12.5% Unpaid family workers 0.0%
Commute
Method % Drive alone 90.1% Carpool 6.1% Public transit 0.0% Walk 0.1% Work from home 3.7% Other means 0.0% Avg commute (minutes) 19.0
Poverty
Married-couple families
3.9%
Female-led households
18.2%
Income support
Source % of households Social Security 36.1% Retirement income 31.8% Supplemental Security 4.4% Cash public assistance 2.8% Food stamps / SNAP 4.0%
Health indicators
Condition % Obesity 36.3% High blood pressure 33.3% High cholesterol 35.9% Diabetes 10.5% Heart disease 6.8% Stroke 3.0% Asthma 10.4% Arthritis 30.3% Kidney disease 2.8% Pulmonary disease 7.6% Cancer 7.3%
Behavior / access % Smoking 19.3% Binge drinking 21.0% No physical activity 19.3% Less than 7 hrs sleep 32.2% Depression 22.0% Fair or poor health 13.3% Poor mental health 15.4% Poor physical health 10.5% No health insurance 8.7% Visited doctor (checkup) 75.0% Visited dentist 70.9% Cholesterol screening 92.1% Teeth loss 11.2%
Veterans & disability
Veterans Count % Civilian veterans 212 6.8%
Disability % Any disability 12.1% Under 18 1.7% 18–64 years 12.0% 65 and over 23.5%
Health insurance coverage
Type % Private insurance 86.4% Public insurance 29.3% No insurance 4.2% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 3,758 95.8% 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) 3,924 100.0% Born in same state 3,915 99.8% Born in different state 3,615 92.1% Foreign born 9 0.2% Naturalized citizen 0 0.0% Not a US citizen 0 0.0%
Ancestry
Ancestry Count % Italian 310 7.9% French 305 7.8% German 244 6.2% Arab 189 4.8%
Ancestry Count % English 179 4.6% Irish 35 0.9% Polish 13 0.3% Norwegian 6 0.2%
Technology access
Metric % of households Computer access 44.3% Internet access 94.1%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 48631
What city is ZIP code 48631 in?
ZIP code 48631 is primarily assigned to Kawkawlin, Michigan.
What county is ZIP code 48631 in?
ZIP code 48631 falls within Bay County, Michigan.
Does ZIP code 48631 have a large retiree population?
36% of households in ZIP code 48631 receive Social Security income, suggesting a significant retiree or disability population.
What is the typical home value in ZIP code 48631?
The median home value in ZIP code 48631 is $156,300.
What is the population of ZIP code 48631?
ZIP code 48631 has an estimated population of 3,924 residents, with a density of 119 people per square mile.
What is the median household income in ZIP code 48631?
The median household income in ZIP code 48631 is $75,100, above the national median of ~$75,000.
What timezone is ZIP code 48631 in?
ZIP code 48631 observes the EST timezone.
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