48649 ZIP Code — Oakley, MI

Saginaw County, Michigan

ZIP code 48649 is located in Oakley, Michigan, within Saginaw County. It covers approximately 27.49 square miles and serves a population of 1,309 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 989.

About ZIP code 48649

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $153,100. Owner-occupancy is high at 94%, well above the national average.

Median household income is $63,587. 50% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is production, transportation, and material moving, with retail trade as the leading industry. The average commute of 29 minutes is near the national average.

College attainment at 14% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (25%) compared to national benchmarks.

Overall, ZIP code 48649 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

1,309

population

27.49

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

48649 ZIP code map

Cities in ZIP code 48649

Below are the cities the US Postal Service accepts for ZIP code 48649. Using any city not on this list may result in mail delivery delays.

City	Status
Oakley	Preferred

Nearby ZIP codes

48841 Henderson (4.6 mi) 48841 Henderson (4.6 mi) 48616 Chesaning (4.9 mi) 48655 Saint Charles (8.9 mi) 48831 Elsie (9.9 mi) 48807 Bannister (10 mi) 48867 Owosso (11.8 mi) 48460 New Lothrop (12.1 mi) 48817 Corunna (13.5 mi) 48806 Ashley (13.8 mi) 48866 Ovid (13.9 mi) 48457 Montrose (14.8 mi)

Demographics updated 06/2026

Population
Total population	1,309
Population density	48 / sq mi
State FIPS	26
County FIPS	145

Geography
Land area	27.49 sq mi
Water area	0.14 sq mi
Latitude	43.1651
Longitude	-84.2167
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	47.8%	50.4%	42.6%
$50k – $100k	31.2%	29.8%	31.1%
$100k – $200k	19.7%	16.1%	20.6%
Over $200k	1.3%	3.6%	5.7%

Demographics & statistics

1,309

Population

People per sq mi

55.0

Median age

$63,587

Median household income

$33,709

Per capita income

$153,100

Median home value

$769

Median monthly rent

93.8%

Home ownership

8.8%

Poverty rate

5.5%

Unemployment

587

Housing units

14.1%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	177	13.5%
18 and over	1,132	86.5%
65 and over	307	23.5%
Median age	55.0 years

Race & ethnicity

White 93.7%

Hispanic or Latino 2.7%

Two or more races 1.8%

Other race 1.2%

Black or African American 0.4%

Asian 0.1%

American Indian / Alaska Native 0.1%

Group	Count	%
White	1,261	93.7%
Hispanic or Latino	37	2.7%
Two or more races	24	1.8%
Other race	16	1.2%
Black or African American	5	0.4%
Asian	2	0.1%
American Indian / Alaska Native	1	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	47.8%	50.4%	42.6%
$50k – $100k	31.2%	29.8%	31.1%
$100k – $200k	19.7%	16.1%	20.6%
Over $200k	1.3%	3.6%	5.7%

Under $10k 3.4%

$10k–$15k 0.9%

$15k–$25k 9.3%

$25k–$35k 5.5%

$35k–$50k 17.8%

$50k–$75k 26.7%

$75k–$100k 20.3%

$100k–$150k 10.5%

$150k–$200k 3.4%

$200k+ 2.1%

Range	% of households
Under $10k	3.4%
$10k–$15k	0.9%
$15k–$25k	9.3%
$25k–$35k	5.5%
$35k–$50k	17.8%
$50k–$75k	26.7%
$75k–$100k	20.3%
$100k–$150k	10.5%
$150k–$200k	3.4%
$200k+	2.1%
Median income	$63,587

Housing

Home values

Under $50k 12.9%

$50k–$100k 16.5%

$100k–$150k 18.2%

$150k–$200k 22.4%

$200k–$300k 19.7%

$300k–$500k 5.5%

$500k–$1M 2.6%

$1M+ 2.2%

Housing overview

Metric	Value
Median home value	$153,100
Median rent / month	$769
Owner occupied	93.8%
Renter occupied	6.2%
Vacant	6.9%
Single-family detached	90.2%
Large apartment buildings	0.0%
Mobile homes	7.9%
Median rooms	6.9
Avg household size (owned)	2.25

Year built

Era	%
2020 or later	0.0%
2010–2019	3.4%
2000–2009	6.3%
1990–1999	15.1%
1980–1989	12.5%
1970–1979	10.0%
1960–1969	11.1%
1950–1959	11.2%
1940–1949	10.3%
1939 or earlier	20.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.2%
1 bedroom	0.8%
2 bedrooms	13.3%
3 bedrooms	56.0%
4 bedrooms	27.9%
5+ bedrooms	1.8%

Vehicles per household

Vehicles	% of households
No vehicle	3.6%
1 vehicle	26.2%
2 vehicles	46.4%
3 or more	23.8%

Heating fuel

Fuel type	%
Utility gas	25.0%
Electricity	4.0%
Propane / LP gas	54.3%
Fuel oil	6.0%
Wood	8.8%
No fuel used	1.0%

Households & families

Household type	Count	%
Married-couple family	351	60.5%
Cohabiting couple	22	3.8%
Male householder, no spouse	85	14.7%
Female householder, no spouse	122	21.0%
Households with children under 18	100	17.2%
Households with seniors (65+)	222	38.3%
Average household size	2.26

Marital status

Status	Male	Female
Never married	26.0%	22.3%
Married	62.9%	56.0%
Separated	0.0%	4.0%
Widowed	2.6%	11.4%
Divorced	8.4%	6.2%

Education

Less than 9th grade 4.3%

Some HS, no diploma 3.3%

HS graduate 44.6%

Some college, no degree 20.4%

Associate's degree 13.3%

Bachelor's degree 8.5%

Graduate / professional 5.6%

Metric	%
HS diploma or higher	92.3%
Bachelor's or higher	14.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	32	13.6%
Kindergarten	4	1.7%
Elementary school	76	32.3%
High school	27	11.5%
College / grad school	96	40.9%

Employment

Industry of employment

Retail trade 17.8%

Education & healthcare 15.9%

Manufacturing 14.4%

Agriculture & mining 12.2%

Professional & management 10.1%

Transportation & utilities 6.5%

Construction 5.9%

Other services 5.2%

Wholesale trade 4.7%

Public administration 2.9%

Arts, food & hospitality 2.0%

Information 1.3%

Finance & real estate 1.0%

Occupation

Category	%
Management, business & arts	24.0%
Service	12.1%
Sales & office	22.7%
Natural resources & construction	14.9%
Production & transportation	26.3%

Employment type

Type	%
Private sector	83.4%
Government	6.2%
Self-employed	10.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	76.0%
Carpool	12.1%
Public transit	0.0%
Walk	0.0%
Work from home	10.6%
Other means	1.4%
Avg commute (minutes)	29.3

Poverty

All people 8.8%

Under 18 years 19.2%

18 and over 7.2%

Married-couple families 6.8%

Female-led households 6.4%

Income support

Source	% of households
Social Security	50.0%
Retirement income	29.8%
Supplemental Security	7.2%
Cash public assistance	0.9%
Food stamps / SNAP	7.9%

Health indicators

Condition	%
Obesity	42.1%
High blood pressure	37.0%
High cholesterol	37.2%
Diabetes	12.8%
Heart disease	8.2%
Stroke	3.9%
Asthma	11.4%
Arthritis	35.1%
Kidney disease	3.4%
Pulmonary disease	10.1%
Cancer	7.4%

Behavior / access	%
Smoking	24.5%
Binge drinking	20.0%
No physical activity	25.6%
Less than 7 hrs sleep	35.5%
Depression	23.6%
Fair or poor health	18.1%
Poor mental health	17.5%
Poor physical health	13.2%
No health insurance	11.0%
Visited doctor (checkup)	74.4%
Visited dentist	63.2%
Cholesterol screening	90.4%
Teeth loss	16.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	90	8.0%

Disability	%
Any disability	19.8%
Under 18	4.0%
18–64 years	13.3%
65 and over	46.3%

Health insurance coverage

Type	%
Private insurance	83.9%
Public insurance	42.2%
No insurance	0.8%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,249	95.4%
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)	1,309	100.0%
Born in same state	1,308	99.9%
Born in different state	1,222	93.4%
Foreign born	1	0.1%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Italian	136	10.4%
French	121	9.2%
Arab	65	5%
English	19	1.5%

Ancestry	Count	%
Irish	15	1.1%
German	7	0.5%
Polish	2	0.2%

Technology access

Metric	% of households
Computer access	44.3%
Internet access	83.1%

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

Frequently asked questions about ZIP code 48649

What city is ZIP code 48649 in?

ZIP code 48649 is primarily assigned to Oakley, Michigan.

What county is ZIP code 48649 in?

ZIP code 48649 falls within Saginaw County, Michigan.

Is ZIP code 48649 mostly owner-occupied?

94% of occupied units in ZIP code 48649 are owner-occupied, well above the national average.

Does ZIP code 48649 have a large retiree population?

50% of households in ZIP code 48649 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 48649?

14% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the typical home value in ZIP code 48649?

The median home value in ZIP code 48649 is $153,100.

What timezone is ZIP code 48649 in?

ZIP code 48649 observes the EST timezone.