48465 ZIP Code — Palms, MI

Sanilac County, Michigan

ZIP code 48465 is located in Palms, Michigan, within Sanilac County. It covers approximately 42.03 square miles and serves a population of 553 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 989.

About ZIP code 48465

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 $165,500. Owner-occupancy is high at 87%, well above the national average.

Median household income is $69,135. 37% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is natural resources, construction, and trades, with manufacturing as the leading industry. The average commute of 31 minutes is near the national average.

College attainment at 12% 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 48465 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

553
population
42.03
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
48465 ZIP code map
Cities in ZIP code 48465

Below are the cities the US Postal Service accepts for ZIP code 48465. Using any city not on this list may result in mail delivery delays.

City Status
Palms Acceptable
Palms Preferred
Nearby ZIP codes
48456 Minden City (3.5 mi) 48427 Deckerville (6.1 mi) 48470 Ruth (9.3 mi) 48475 Ubly (12 mi) 48419 Carsonville (12.7 mi) 48441 Harbor Beach (13 mi) 48469 Port Sanilac (13.5 mi) 48472 Snover (13.9 mi) 48471 Sandusky (15.1 mi) 48413 Bad Axe (18.5 mi) 48401 Applegate (18.8 mi) 48426 Decker (19 mi)
Demographics updated 06/2026
Population
Total population 553
Population density 13 / sq mi
State FIPS 26
County FIPS 151
Geography
Land area 42.03 sq mi
Water area 1.41 sq mi
Latitude 43.6150
Longitude -82.7075
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 54.3% 49.9% 42.6%
$50k – $100k 33.3% 33.9% 31.1%
$100k – $200k 12.4% 14.2% 20.6%
Over $200k 0.0% 2.0% 5.7%

Demographics & statistics

553
Population
13
People per sq mi
46.3
Median age
$69,135
Median household income
$31,399
Per capita income
$165,500
Median home value
$917
Median monthly rent
86.7%
Home ownership
11.5%
Poverty rate
2.6%
Unemployment
367
Housing units
11.8%
Bachelor's or higher

Age distribution

Male Female
3
Under 5
3
21
5–9
21
23
10–14
24
22
15–19
23
6
20–24
7
18
25–34
18
41
35–44
42
44
45–54
45
16
55–59
16
23
60–64
23
30
65–74
31
20
75–84
20
6
85+
7
← Male
Female →

Age summary

GroupCount%
Under 1813324.1%
18 and over42075.9%
65 and over11420.6%
Median age46.3 years

Race & ethnicity

White 95.4%
Two or more races 2.1%
Hispanic or Latino 1.6%
Other race 0.9%
GroupCount%
White53695.4%
Two or more races122.1%
Hispanic or Latino91.6%
Other race50.9%

Household income

Income range This ZIP County avg State avg
Under $50k 54.3% 49.9% 42.6%
$50k – $100k 33.3% 33.9% 31.1%
$100k – $200k 12.4% 14.2% 20.6%
Over $200k 0.0% 2.0% 5.7%
Under $10k 2.2%
$10k–$15k 3.6%
$15k–$25k 2.7%
$25k–$35k 7.6%
$35k–$50k 18.2%
$50k–$75k 20.4%
$75k–$100k 23.6%
$100k–$150k 16.4%
$150k–$200k 4.4%
$200k+ 0.9%
Range% of households
Under $10k2.2%
$10k–$15k3.6%
$15k–$25k2.7%
$25k–$35k7.6%
$35k–$50k18.2%
$50k–$75k20.4%
$75k–$100k23.6%
$100k–$150k16.4%
$150k–$200k4.4%
$200k+0.9%
Median income$69,135

Housing

Home values

Under $50k 2.6%
$50k–$100k 16.4%
$100k–$150k 23.1%
$150k–$200k 19.0%
$200k–$300k 24.1%
$300k–$500k 13.8%
$500k–$1M 1.0%

Housing overview

MetricValue
Median home value$165,500
Median rent / month$917
Owner occupied86.7%
Renter occupied13.3%
Vacant43.3%
Single-family detached87.9%
Large apartment buildings0.0%
Mobile homes12.1%
Median rooms5.9
Avg household size (owned)2.44

Year built

Era%
2020 or later0.0%
2010–20193.3%
2000–20098.6%
1990–19998.6%
1980–198911.8%
1970–197913.1%
1960–19699.8%
1950–19599.6%
1940–194912.8%
1939 or earlier22.4%

Bedrooms

Size% of units
No bedroom (studio)2.0%
1 bedroom4.5%
2 bedrooms32.2%
3 bedrooms35.5%
4 bedrooms19.4%
5+ bedrooms6.3%

Vehicles per household

Vehicles% of households
No vehicle2.2%
1 vehicle25.3%
2 vehicles40.4%
3 or more32.0%

Heating fuel

Fuel type%
Electricity12.0%
Propane / LP gas51.1%
Fuel oil12.9%
Wood19.6%
No fuel used1.3%

Households & families

Household typeCount%
Married-couple family13760.9%
Cohabiting couple2912.9%
Male householder, no spouse2812.4%
Female householder, no spouse3113.8%
Households with children under 187533.3%
Households with seniors (65+)7734.2%
Average household size2.46

Marital status

StatusMaleFemale
Never married22.0%22.1%
Married60.8%58.0%
Separated0.0%0.0%
Widowed1.7%11.5%
Divorced15.5%8.4%

Education

Less than 9th grade 1.5%
Some HS, no diploma 10.5%
HS graduate 39.0%
Some college, no degree 25.0%
Associate's degree 12.3%
Bachelor's degree 10.5%
Graduate / professional 1.3%
Metric%
HS diploma or higher88.0%
Bachelor's or higher11.8%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool74.7%
Kindergarten64.0%
Elementary school6845.6%
High school4429.5%
College / grad school2416.1%

Employment

Industry of employment

Manufacturing 26.5%
Education & healthcare 18.5%
Construction 11.5%
Agriculture & mining 10.4%
Transportation & utilities 6.5%
Arts, food & hospitality 6.2%
Other services 5.8%
Wholesale trade 5.4%
Retail trade 5.4%
Professional & management 1.9%
Finance & real estate 1.5%
Information 0.4%

Occupation

Category%
Management, business & arts24.2%
Service9.2%
Sales & office19.6%
Natural resources & construction25.0%
Production & transportation21.9%

Employment type

Type%
Private sector87.7%
Government7.7%
Self-employed4.6%
Unpaid family workers0.0%

Commute

Method%
Drive alone79.6%
Carpool8.8%
Public transit0.0%
Walk7.7%
Work from home3.5%
Other means0.4%
Avg commute (minutes)30.5

Poverty

All people 11.5%
Under 18 years 14.8%
18 and over 10.5%
Married-couple families 3.6%
Female-led households 37.5%

Income support

Source% of households
Social Security37.3%
Retirement income23.6%
Supplemental Security10.7%
Cash public assistance1.3%
Food stamps / SNAP5.3%

Health indicators

Condition%
Obesity37.4%
High blood pressure39.7%
High cholesterol40.7%
Diabetes12.9%
Heart disease9.1%
Stroke4.0%
Asthma10.8%
Arthritis35.9%
Kidney disease3.6%
Pulmonary disease9.9%
Cancer8.7%
Behavior / access%
Smoking20.7%
Binge drinking17.1%
No physical activity23.8%
Less than 7 hrs sleep32.2%
Depression21.4%
Fair or poor health17.2%
Poor mental health15.4%
Poor physical health12.7%
No health insurance9.6%
Visited doctor (checkup)75.8%
Visited dentist68.4%
Cholesterol screening92.5%
Teeth loss13.9%

Veterans & disability

VeteransCount%
Civilian veterans276.4%
Disability%
Any disability12.3%
Under 186.0%
18–64 years8.2%
65 and over30.7%

Health insurance coverage

Type%
Private insurance75.6%
Public insurance37.8%
No insurance6.1%
Uninsured under 197.1%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only54798.9%
Spanish10.2%
Other Indo-European00.0%
Asian & Pacific Islander10.2%
Other languages00.0%

Place of birth & citizenship

OriginCount%
Native born (US)54598.6%
Born in same state54298.0%
Born in different state52594.9%
Foreign born30.5%
Naturalized citizen81.4%
Not a US citizen00.0%

Ancestry

AncestryCount%
French7112.8%
Italian295.2%
Arab254.5%
German162.9%
AncestryCount%
English81.4%
Irish71.3%
Polish30.5%
Dutch20.4%

Technology access

Metric% of households
Computer access40.7%
Internet access89.8%

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

Frequently asked questions about ZIP code 48465

What city is ZIP code 48465 in?

ZIP code 48465 is primarily assigned to Palms, Michigan.

What county is ZIP code 48465 in?

ZIP code 48465 falls within Sanilac County, Michigan.

Is ZIP code 48465 mostly owner-occupied?

87% of occupied units in ZIP code 48465 are owner-occupied, well above the national average.

How educated is the population of ZIP code 48465?

12% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 48465 have a large retiree population?

37% of households in ZIP code 48465 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 48465?

The median home value in ZIP code 48465 is $165,500.

What timezone is ZIP code 48465 in?

ZIP code 48465 observes the EST timezone.

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