48634 ZIP Code — Linwood, MI

Bay County, Michigan

ZIP code 48634 is located in Linwood, Michigan, within Bay County. It covers approximately 48.96 square miles and serves a population of 4,613 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 989.

About ZIP code 48634

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 $157,200. Owner-occupancy is high at 95%, well above the national average.

Median household income is $72,284. The poverty rate of 7% is below the national average. 38% 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 (21%) compared to national benchmarks.

Overall, ZIP code 48634 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

4,613

population

48.96

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

48634 ZIP code map

Cities in ZIP code 48634

Below are the cities the US Postal Service accepts for ZIP code 48634. Using any city not on this list may result in mail delivery delays.

City	Status
Linwood	Preferred

Nearby ZIP codes

48631 Kawkawlin (5.8 mi) 48650 Pinconning (6.1 mi) 48611 Auburn (8.6 mi) 48642 Midland (10 mi) 48706 Bay City (11.7 mi) 48628 Hope (13.9 mi) 48674 Midland (14 mi) 48686 Midland (14 mi) 48667 Midland (14 mi) 48670 Midland (14 mi) 48652 Rhodes (14.2 mi) 48710 University Center (14.3 mi)

Demographics updated 05/2026

Population
Total population	4,613
Population density	94 / sq mi
State FIPS	26
County FIPS	017

Geography
Land area	48.96 sq mi
Water area	7.37 sq mi
Latitude	43.7599
Longitude	-84.0515
Timezone	Eastern (ET)
Area code	989

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	37.3%	52.1%	42.6%
$50k – $100k	33.3%	29.2%	31.1%
$100k – $200k	26.7%	16.3%	20.6%
Over $200k	2.7%	2.5%	5.7%

Demographics & statistics

4,613

Population

People per sq mi

43.3

Median age

$72,284

Median household income

$41,391

Per capita income

$157,200

Median home value

$715

Median monthly rent

94.9%

Home ownership

6.8%

Poverty rate

3.6%

Unemployment

2,087

Housing units

18.2%

Bachelor's or higher

Age distribution

Male Female

170

Under 5

159

5–9

105

10–14

15–19

123

20–24

116

308

25–34

290

345

35–44

325

242

45–54

227

151

55–59

142

209

60–64

197

362

65–74

340

169

75–84

159

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	770	16.7%
18 and over	3,843	83.3%
65 and over	1,096	23.8%
Median age	43.3 years

Race & ethnicity

White 96.9%

Two or more races 2%

Asian 0.7%

Hispanic or Latino 0.2%

Other race 0.1%

Group	Count	%
White	4,481	96.9%
Two or more races	94	2%
Asian	33	0.7%
Hispanic or Latino	9	0.2%
Other race	4	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	37.3%	52.1%	42.6%
$50k – $100k	33.3%	29.2%	31.1%
$100k – $200k	26.7%	16.3%	20.6%
Over $200k	2.7%	2.5%	5.7%

Under $10k 4.2%

$10k–$15k 1.1%

$15k–$25k 3.6%

$25k–$35k 5.7%

$35k–$50k 15.9%

$50k–$75k 20.4%

$75k–$100k 10.7%

$100k–$150k 28.0%

$150k–$200k 5.6%

$200k+ 4.7%

Range	% of households
Under $10k	4.2%
$10k–$15k	1.1%
$15k–$25k	3.6%
$25k–$35k	5.7%
$35k–$50k	15.9%
$50k–$75k	20.4%
$75k–$100k	10.7%
$100k–$150k	28.0%
$150k–$200k	5.6%
$200k+	4.7%
Median income	$72,284

Housing

Home values

Under $50k 3.3%

$50k–$100k 15.3%

$100k–$150k 25.9%

$150k–$200k 27.5%

$200k–$300k 10.7%

$300k–$500k 15.6%

$500k–$1M 1.6%

Housing overview

Metric	Value
Median home value	$157,200
Median rent / month	$715
Owner occupied	94.9%
Renter occupied	5.1%
Vacant	6.0%
Single-family detached	97.5%
Large apartment buildings	0.0%
Mobile homes	1.6%
Median rooms	6.3
Avg household size (owned)	2.25

Year built

Era	%
2020 or later	0.0%
2010–2019	2.6%
2000–2009	4.0%
1990–1999	5.0%
1980–1989	8.1%
1970–1979	23.7%
1960–1969	17.8%
1950–1959	14.7%
1940–1949	5.2%
1939 or earlier	18.8%

Bedrooms

Size	% of units
No bedroom (studio)	1.0%
1 bedroom	1.6%
2 bedrooms	19.8%
3 bedrooms	65.9%
4 bedrooms	9.4%
5+ bedrooms	2.2%

Vehicles per household

Vehicles	% of households
No vehicle	1.7%
1 vehicle	32.2%
2 vehicles	30.8%
3 or more	35.3%

Heating fuel

Fuel type	%
Utility gas	61.7%
Electricity	0.7%
Propane / LP gas	29.3%
Fuel oil	1.5%
Wood	5.9%

Households & families

Household type	Count	%
Married-couple family	1,080	52.5%
Cohabiting couple	191	9.3%
Male householder, no spouse	424	20.6%
Female householder, no spouse	364	17.7%
Households with children under 18	549	26.7%
Households with seniors (65+)	760	36.9%
Average household size	2.24

Marital status

Status	Male	Female
Never married	34.1%	20.5%
Married	54.0%	60.2%
Separated	1.0%	1.1%
Widowed	2.3%	11.1%
Divorced	8.6%	7.1%

Education

Less than 9th grade 1.5%

Some HS, no diploma 6.6%

HS graduate 37.7%

Some college, no degree 20.5%

Associate's degree 15.5%

Bachelor's degree 15.0%

Graduate / professional 3.2%

Metric	%
HS diploma or higher	91.8%
Bachelor's or higher	18.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	51	8.2%
Kindergarten	9	1.4%
Elementary school	266	42.7%
High school	144	23.1%
College / grad school	153	24.6%

Employment

Industry of employment

Education & healthcare 25.0%

Manufacturing 21.8%

Construction 14.9%

Retail trade 6.6%

Arts, food & hospitality 6.2%

Other services 6.1%

Transportation & utilities 5.7%

Professional & management 3.4%

Finance & real estate 3.3%

Wholesale trade 2.6%

Public administration 2.4%

Agriculture & mining 1.5%

Information 0.6%

Occupation

Category	%
Management, business & arts	34.4%
Service	12.1%
Sales & office	15.7%
Natural resources & construction	25.8%
Production & transportation	11.9%

Employment type

Type	%
Private sector	84.2%
Government	8.2%
Self-employed	7.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	79.8%
Carpool	9.1%
Public transit	0.0%
Walk	0.7%
Work from home	10.2%
Other means	0.2%
Avg commute (minutes)	28.2

Poverty

All people 6.8%

Under 18 years 3.8%

18 and over 7.4%

Married-couple families 1.5%

Female-led households 16.9%

Income support

Source	% of households
Social Security	37.8%
Retirement income	40.4%
Supplemental Security	5.9%
Cash public assistance	1.8%
Food stamps / SNAP	7.9%

Health indicators

Condition	%
Obesity	36.9%
High blood pressure	34.2%
High cholesterol	36.4%
Diabetes	11.0%
Heart disease	7.0%
Stroke	3.1%
Asthma	10.5%
Arthritis	31.0%
Kidney disease	2.9%
Pulmonary disease	8.0%
Cancer	7.4%

Behavior / access	%
Smoking	20.7%
Binge drinking	20.8%
No physical activity	20.5%
Less than 7 hrs sleep	32.6%
Depression	22.1%
Fair or poor health	14.2%
Poor mental health	15.6%
Poor physical health	11.0%
No health insurance	9.4%
Visited doctor (checkup)	74.9%
Visited dentist	69.4%
Cholesterol screening	91.8%
Teeth loss	12.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	317	8.2%

Disability	%
Any disability	11.7%
Under 18	0.6%
18–64 years	7.1%
65 and over	31.0%

Health insurance coverage

Type	%
Private insurance	78.7%
Public insurance	35.5%
No insurance	9.1%
Uninsured under 19	5.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,284	92.9%
Spanish	27	0.6%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	27	0.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,577	99.2%
Born in same state	4,569	99.0%
Born in different state	4,473	97.0%
Foreign born	8	0.2%
Naturalized citizen	36	0.8%
Not a US citizen	6	16.7%

Ancestry

Ancestry	Count	%
French	507	11%
Italian	333	7.2%
Arab	170	3.7%
German	149	3.2%

Ancestry	Count	%
English	101	2.2%
Irish	60	1.3%
Norwegian	24	0.5%

Technology access

Metric	% of households
Computer access	44.6%
Internet access	94.1%

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

Frequently asked questions about ZIP code 48634

What city is ZIP code 48634 in?

ZIP code 48634 is primarily assigned to Linwood, Michigan.

What county is ZIP code 48634 in?

ZIP code 48634 falls within Bay County, Michigan.

Is ZIP code 48634 mostly owner-occupied?

95% of occupied units in ZIP code 48634 are owner-occupied, well above the national average.

Does ZIP code 48634 have a large retiree population?

38% of households in ZIP code 48634 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 48634?

The median home value in ZIP code 48634 is $157,200.

What is the population of ZIP code 48634?

ZIP code 48634 has an estimated population of 4,613 residents, with a density of 94 people per square mile.

What timezone is ZIP code 48634 in?

ZIP code 48634 observes the EST timezone.