48096 ZIP Code — Ray, MI

Macomb County, Michigan

ZIP code 48096 is located in Ray, Michigan, within Macomb County. It covers approximately 36.52 square miles and serves a population of 3,780 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 586.

About ZIP code 48096

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 $374,700. Owner-occupancy is high at 80%, well above the national average.

Median household income is $115,507. 32% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. The average commute of 33 minutes is near the national average.

Educational attainment is near the national average, with 24% of residents holding a bachelor's degree or higher.

Overall, ZIP code 48096 reflects a community defined by high homeownership and a significant Social Security-dependent population.

3,780

population

36.52

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

48096 ZIP code map

Cities in ZIP code 48096

Below are the cities the US Postal Service accepts for ZIP code 48096. Using any city not on this list may result in mail delivery delays.

City	Status
Ray	Acceptable

Demographics updated 06/2026

Population
Total population	3,780
Population density	104 / sq mi
State FIPS	26
County FIPS	099

Geography
Land area	36.52 sq mi
Water area	0.10 sq mi
Latitude	42.7613
Longitude	-82.9192
Timezone	Eastern (ET)
Area code	586

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	29.4%	38.7%	42.6%
$50k – $100k	27.2%	32.1%	31.1%
$100k – $200k	37.3%	24.2%	20.6%
Over $200k	6.2%	5.1%	5.7%

Demographics & statistics

3,780

Population

104

People per sq mi

48.1

Median age

$115,507

Median household income

$47,846

Per capita income

$374,700

Median home value

$969

Median monthly rent

80.3%

Home ownership

7.6%

Poverty rate

1.5%

Unemployment

1,335

Housing units

23.9%

Bachelor's or higher

Age distribution

Male Female

110

Under 5

5–9

111

10–14

128

15–19

108

20–24

244

25–34

207

194

35–44

165

324

45–54

274

265

55–59

225

196

60–64

167

133

65–74

113

154

75–84

130

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	645	17.1%
18 and over	3,135	82.9%
65 and over	561	14.8%
Median age	48.1 years

Race & ethnicity

White 94.2%

Two or more races 3.7%

Hispanic or Latino 1.2%

Asian 0.4%

American Indian / Alaska Native 0.4%

Black or African American 0.1%

Group	Count	%
White	3,605	94.2%
Two or more races	141	3.7%
Hispanic or Latino	46	1.2%
Asian	17	0.4%
American Indian / Alaska Native	15	0.4%
Black or African American	2	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	29.4%	38.7%	42.6%
$50k – $100k	27.2%	32.1%	31.1%
$100k – $200k	37.3%	24.2%	20.6%
Over $200k	6.2%	5.1%	5.7%

Under $10k 4.6%

$10k–$15k 4.1%

$15k–$25k 1.1%

$25k–$35k 2.9%

$35k–$50k 8.2%

$50k–$75k 16.3%

$75k–$100k 7.0%

$100k–$150k 27.6%

$150k–$200k 20.9%

$200k+ 7.4%

Range	% of households
Under $10k	4.6%
$10k–$15k	4.1%
$15k–$25k	1.1%
$25k–$35k	2.9%
$35k–$50k	8.2%
$50k–$75k	16.3%
$75k–$100k	7.0%
$100k–$150k	27.6%
$150k–$200k	20.9%
$200k+	7.4%
Median income	$115,507

Housing

Home values

Under $50k 3.7%

$50k–$100k 1.8%

$100k–$150k 4.9%

$150k–$200k 12.6%

$200k–$300k 17.5%

$300k–$500k 32.5%

$500k–$1M 23.4%

$1M+ 3.6%

Housing overview

Metric	Value
Median home value	$374,700
Median rent / month	$969
Owner occupied	80.3%
Renter occupied	19.7%
Vacant	4.2%
Single-family detached	95.2%
Large apartment buildings	0.0%
Mobile homes	0.4%
Median rooms	6.2
Avg household size (owned)	2.59

Year built

Era	%
2020 or later	2.4%
2010–2019	2.9%
2000–2009	14.3%
1990–1999	14.8%
1980–1989	6.3%
1970–1979	11.1%
1960–1969	9.5%
1950–1959	16.6%
1940–1949	2.7%
1939 or earlier	19.4%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	0.9%
2 bedrooms	16.4%
3 bedrooms	65.4%
4 bedrooms	14.0%
5+ bedrooms	3.2%

Vehicles per household

Vehicles	% of households
No vehicle	2.9%
1 vehicle	26.4%
2 vehicles	35.3%
3 or more	35.4%

Heating fuel

Fuel type	%
Utility gas	79.5%
Electricity	6.3%
Propane / LP gas	10.1%
Fuel oil	0.7%
Wood	1.8%
Solar	0.7%

Households & families

Household type	Count	%
Married-couple family	947	60.1%
Cohabiting couple	83	5.3%
Male householder, no spouse	391	24.8%
Female householder, no spouse	156	9.9%
Households with children under 18	323	20.5%
Households with seniors (65+)	438	27.8%
Average household size	2.38

Marital status

Status	Male	Female
Never married	32.6%	15.7%
Married	51.7%	64.5%
Separated	3.2%	4.0%
Widowed	4.4%	5.7%
Divorced	8.1%	10.2%

Education

Less than 9th grade 1.4%

Some HS, no diploma 6.3%

HS graduate 29.0%

Some college, no degree 28.1%

Associate's degree 11.3%

Bachelor's degree 17.2%

Graduate / professional 6.7%

Metric	%
HS diploma or higher	92.2%
Bachelor's or higher	23.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	39	5.9%
Kindergarten	56	8.4%
Elementary school	227	34.2%
High school	159	23.9%
College / grad school	183	27.6%

Employment

Industry of employment

Manufacturing 31.4%

Education & healthcare 17.9%

Construction 10.0%

Professional & management 9.0%

Other services 8.0%

Retail trade 6.7%

Public administration 5.0%

Arts, food & hospitality 4.4%

Finance & real estate 2.7%

Agriculture & mining 1.7%

Information 1.7%

Transportation & utilities 1.3%

Wholesale trade 0.3%

Occupation

Category	%
Management, business & arts	45.5%
Service	18.2%
Sales & office	9.9%
Natural resources & construction	13.0%
Production & transportation	13.5%

Employment type

Type	%
Private sector	84.3%
Government	11.8%
Self-employed	3.6%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	84.7%
Carpool	2.9%
Public transit	0.0%
Walk	0.0%
Work from home	12.4%
Other means	0.0%
Avg commute (minutes)	33.0

Poverty

All people 7.6%

Under 18 years 0.0%

18 and over 9.2%

Married-couple families 5.5%

Female-led households 0.0%

Income support

Source	% of households
Social Security	31.5%
Retirement income	23.5%
Supplemental Security	6.2%
Cash public assistance	4.0%
Food stamps / SNAP	5.4%

Health indicators

Condition	%
Obesity	36.0%
High blood pressure	34.5%
High cholesterol	38.5%
Diabetes	10.6%
Heart disease	6.5%
Stroke	2.9%
Asthma	11.0%
Arthritis	29.8%
Kidney disease	2.7%
Pulmonary disease	7.3%
Cancer	7.2%

Behavior / access	%
Smoking	17.5%
Binge drinking	19.4%
No physical activity	19.8%
Less than 7 hrs sleep	33.6%
Depression	19.6%
Fair or poor health	13.3%
Poor mental health	15.5%
Poor physical health	10.0%
No health insurance	8.1%
Visited doctor (checkup)	77.4%
Visited dentist	73.6%
Cholesterol screening	92.8%
Teeth loss	9.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	175	5.6%

Disability	%
Any disability	18.3%
Under 18	2.9%
18–64 years	15.9%
65 and over	47.1%

Health insurance coverage

Type	%
Private insurance	84.3%
Public insurance	26.7%
No insurance	1.9%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,576	94.6%
Spanish	42	1.2%
Other Indo-European	11	0.3%
Asian & Pacific Islander	23	0.6%
Other languages	8	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,693	97.7%
Born in same state	3,693	97.7%
Born in different state	3,328	88.0%
Foreign born	0	0.0%
Naturalized citizen	87	2.3%
Not a US citizen	45	51.7%

Ancestry

Ancestry	Count	%
Italian	339	9%
French	329	8.7%
German	214	5.7%
Arab	152	4%

Ancestry	Count	%
English	36	1%
Polish	35	0.9%
Irish	9	0.2%
Dutch	6	0.2%

Technology access

Metric	% of households
Computer access	41.7%
Internet access	92.8%

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

Frequently asked questions about ZIP code 48096

What city is ZIP code 48096 in?

ZIP code 48096 is primarily assigned to Ray, Michigan.

What county is ZIP code 48096 in?

ZIP code 48096 falls within Macomb County, Michigan.

Is ZIP code 48096 mostly owner-occupied?

80% of occupied units in ZIP code 48096 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 48096?

The median home value in ZIP code 48096 is $374,700.

What is the median household income in ZIP code 48096?

The median household income in ZIP code 48096 is $115,507, above the national median of ~$75,000.

What is the population of ZIP code 48096?

ZIP code 48096 has an estimated population of 3,780 residents, with a density of 104 people per square mile.

What timezone is ZIP code 48096 in?

ZIP code 48096 observes the EST timezone.