48637 ZIP Code — Merrill, MI

Saginaw County, Michigan

ZIP code 48637 is located in Merrill, Michigan, within Saginaw County. It covers approximately 70.86 square miles and serves a population of 3,104 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 989.

About ZIP code 48637

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 $133,300. Owner-occupancy is high at 90%, well above the national average.

Median household income is $61,100. 47% 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 32 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 (21%) compared to national benchmarks.

Overall, ZIP code 48637 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

3,104

population

70.86

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

48637 ZIP code map

Cities in ZIP code 48637

Below are the cities the US Postal Service accepts for ZIP code 48637. Using any city not on this list may result in mail delivery delays.

City	Status
Merrill	Preferred

Nearby ZIP codes

48626 Hemlock (5.9 mi) 48615 Breckenridge (6.6 mi) 48623 Freeland (11 mi) 48880 Saint Louis (11.5 mi) 48655 Saint Charles (11.6 mi) 48640 Midland (11.7 mi) 48609 Saginaw (13.4 mi) 48674 Midland (14.7 mi) 48670 Midland (14.7 mi) 48667 Midland (14.7 mi) 48686 Midland (14.7 mi) 48847 Ithaca (14.9 mi)

Demographics updated 05/2026

Population
Total population	3,104
Population density	44 / sq mi
State FIPS	26
County FIPS	145

Geography
Land area	70.86 sq mi
Water area	0.05 sq mi
Latitude	43.4138
Longitude	-84.3391
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	43.0%	50.4%	42.6%
$50k – $100k	37.3%	29.8%	31.1%
$100k – $200k	15.5%	16.1%	20.6%
Over $200k	4.2%	3.6%	5.7%

Demographics & statistics

3,104

Population

People per sq mi

46.1

Median age

$61,100

Median household income

$32,015

Per capita income

$133,300

Median home value

$697

Median monthly rent

90.4%

Home ownership

15.9%

Poverty rate

12.1%

Unemployment

1,205

Housing units

16.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

125

10–14

131

15–19

20–24

147

25–34

154

187

35–44

196

171

45–54

179

108

55–59

113

115

60–64

120

209

65–74

220

121

75–84

127

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	698	22.5%
18 and over	2,406	77.5%
65 and over	770	24.8%
Median age	46.1 years

Race & ethnicity

White 81.2%

Two or more races 8.4%

Hispanic or Latino 8.3%

Other race 1.6%

American Indian / Alaska Native 0.4%

Black or African American 0.1%

Group	Count	%
White	2,748	81.2%
Two or more races	284	8.4%
Hispanic or Latino	280	8.3%
Other race	54	1.6%
American Indian / Alaska Native	14	0.4%
Black or African American	4	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	43.0%	50.4%	42.6%
$50k – $100k	37.3%	29.8%	31.1%
$100k – $200k	15.5%	16.1%	20.6%
Over $200k	4.2%	3.6%	5.7%

Under $10k 9.0%

$10k–$15k 5.3%

$15k–$25k 7.5%

$25k–$35k 8.0%

$35k–$50k 9.4%

$50k–$75k 21.9%

$75k–$100k 13.7%

$100k–$150k 17.2%

$150k–$200k 4.0%

$200k+ 4.1%

Range	% of households
Under $10k	9.0%
$10k–$15k	5.3%
$15k–$25k	7.5%
$25k–$35k	8.0%
$35k–$50k	9.4%
$50k–$75k	21.9%
$75k–$100k	13.7%
$100k–$150k	17.2%
$150k–$200k	4.0%
$200k+	4.1%
Median income	$61,100

Housing

Home values

Under $50k 7.4%

$50k–$100k 29.4%

$100k–$150k 22.5%

$150k–$200k 14.6%

$200k–$300k 14.4%

$300k–$500k 8.5%

$500k–$1M 1.9%

$1M+ 1.4%

Housing overview

Metric	Value
Median home value	$133,300
Median rent / month	$697
Owner occupied	90.4%
Renter occupied	9.6%
Vacant	5.4%
Single-family detached	93.7%
Large apartment buildings	0.0%
Mobile homes	4.0%
Median rooms	6.5
Avg household size (owned)	2.36

Year built

Era	%
2020 or later	0.6%
2010–2019	2.3%
2000–2009	6.6%
1990–1999	6.7%
1980–1989	5.4%
1970–1979	28.6%
1960–1969	11.5%
1950–1959	12.6%
1940–1949	7.7%
1939 or earlier	17.9%

Bedrooms

Size	% of units
No bedroom (studio)	1.0%
1 bedroom	3.2%
2 bedrooms	14.6%
3 bedrooms	62.3%
4 bedrooms	15.1%
5+ bedrooms	3.8%

Vehicles per household

Vehicles	% of households
No vehicle	4.4%
1 vehicle	27.4%
2 vehicles	38.7%
3 or more	29.6%

Heating fuel

Fuel type	%
Utility gas	31.9%
Electricity	3.8%
Propane / LP gas	46.6%
Fuel oil	6.5%
Wood	8.9%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	662	52.8%
Cohabiting couple	75	6.0%
Male householder, no spouse	216	17.2%
Female householder, no spouse	301	24.0%
Households with children under 18	320	25.5%
Households with seniors (65+)	514	41.0%
Average household size	2.47

Marital status

Status	Male	Female
Never married	26.7%	19.4%
Married	57.9%	57.7%
Separated	0.5%	0.5%
Widowed	3.8%	11.9%
Divorced	11.1%	10.4%

Education

Less than 9th grade 2.4%

Some HS, no diploma 3.1%

HS graduate 47.3%

Some college, no degree 21.2%

Associate's degree 9.8%

Bachelor's degree 11.9%

Graduate / professional 4.3%

Metric	%
HS diploma or higher	94.5%
Bachelor's or higher	16.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	25	3.6%
Kindergarten	51	7.4%
Elementary school	349	50.4%
High school	166	24.0%
College / grad school	102	14.7%

Employment

Industry of employment

Education & healthcare 25.8%

Manufacturing 21.8%

Retail trade 12.6%

Arts, food & hospitality 6.6%

Construction 6.4%

Transportation & utilities 5.8%

Public administration 4.3%

Other services 4.1%

Finance & real estate 3.6%

Agriculture & mining 3.5%

Professional & management 3.4%

Wholesale trade 1.6%

Information 0.5%

Occupation

Category	%
Management, business & arts	27.2%
Service	18.5%
Sales & office	22.7%
Natural resources & construction	11.7%
Production & transportation	19.9%

Employment type

Type	%
Private sector	82.3%
Government	12.7%
Self-employed	4.7%
Unpaid family workers	0.4%

Commute

Method	%
Drive alone	85.9%
Carpool	6.9%
Public transit	0.0%
Walk	0.8%
Work from home	4.4%
Other means	2.0%
Avg commute (minutes)	32.1

Poverty

All people 15.9%

Under 18 years 23.5%

18 and over 13.7%

Married-couple families 5.3%

Female-led households 23.0%

Income support

Source	% of households
Social Security	46.9%
Retirement income	38.1%
Supplemental Security	9.1%
Cash public assistance	4.1%
Food stamps / SNAP	10.8%

Health indicators

Condition	%
Obesity	39.4%
High blood pressure	34.5%
High cholesterol	36.4%
Diabetes	11.2%
Heart disease	7.3%
Stroke	3.3%
Asthma	10.7%
Arthritis	32.4%
Kidney disease	3.0%
Pulmonary disease	8.2%
Cancer	7.4%

Behavior / access	%
Smoking	20.6%
Binge drinking	20.5%
No physical activity	21.8%
Less than 7 hrs sleep	33.6%
Depression	22.4%
Fair or poor health	14.7%
Poor mental health	16.2%
Poor physical health	11.2%
No health insurance	9.5%
Visited doctor (checkup)	74.1%
Visited dentist	68.3%
Cholesterol screening	91.3%
Teeth loss	12.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	183	7.6%

Disability	%
Any disability	17.1%
Under 18	4.3%
18–64 years	15.9%
65 and over	31.3%

Health insurance coverage

Type	%
Private insurance	70.2%
Public insurance	50.8%
No insurance	2.7%
Uninsured under 19	2.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,979	96.0%
Spanish	2	0.1%
Other Indo-European	2	0.1%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,033	97.7%
Born in same state	3,026	97.5%
Born in different state	2,875	92.6%
Foreign born	7	0.2%
Naturalized citizen	71	2.3%
Not a US citizen	27	38.0%

Ancestry

Ancestry	Count	%
Italian	301	9.7%
French	257	8.3%
Arab	145	4.7%
German	59	1.9%
Polish	29	0.9%

Ancestry	Count	%
English	21	0.7%
Irish	19	0.6%
Dutch	6	0.2%
Norwegian	3	0.1%

Technology access

Metric	% of households
Computer access	40.4%
Internet access	86.8%

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

Frequently asked questions about ZIP code 48637

What city is ZIP code 48637 in?

ZIP code 48637 is primarily assigned to Merrill, Michigan.

What county is ZIP code 48637 in?

ZIP code 48637 falls within Saginaw County, Michigan.

Is ZIP code 48637 mostly owner-occupied?

90% of occupied units in ZIP code 48637 are owner-occupied, well above the national average.

Does ZIP code 48637 have a large retiree population?

47% of households in ZIP code 48637 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 48637?

16% of residents in ZIP code 48637 live below the poverty line, above the national average.

What is the typical home value in ZIP code 48637?

The median home value in ZIP code 48637 is $133,300.

What timezone is ZIP code 48637 in?

ZIP code 48637 observes the EST timezone.