48601 ZIP Code — Saginaw, MI

Saginaw County, Michigan

ZIP code 48601 is located in Saginaw, Michigan, within Saginaw County. It covers approximately 104.33 square miles and serves a population of 32,172 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 989.

About ZIP code 48601

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1950s, giving the area an established character. Median home value is $52,200. Owner-occupancy sits near the national average at 65%.

Median household income is $36,845. Poverty affects 32% of residents, above the national average. SNAP benefit usage at 41% of households reflects economic stress in the area. 47% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is service, with education and healthcare as the leading industry. The average commute of 21 minutes is near the national average.

College attainment at 9% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of obesity (53%), diabetes (20%), smoking (28%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 27%.

Overall, ZIP code 48601 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

32,172

population

104.33

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

48601 ZIP code map

Cities in ZIP code 48601

Below are the cities the US Postal Service accepts for ZIP code 48601. Using any city not on this list may result in mail delivery delays.

City	Status
Saginaw	Preferred

Nearby ZIP codes

48663 Saginaw (1.3 mi) 48607 Saginaw (1.3 mi) 48602 Saginaw (2.3 mi) 48638 Saginaw (4.8 mi) 48604 Saginaw (5.1 mi) 48603 Saginaw (6.1 mi) 48722 Bridgeport (6.4 mi) 48609 Saginaw (7.4 mi) 48734 Frankenmuth (10.2 mi) 48417 Burt (10.4 mi) 48710 University Center (10.5 mi) 48787 Frankenmuth (11 mi)

Demographics updated 05/2026

Population
Total population	32,172
Population density	308 / sq mi
State FIPS	26
County FIPS	145

Geography
Land area	104.33 sq mi
Water area	3.14 sq mi
Latitude	43.4140
Longitude	-83.9262
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	69.4%	50.4%	42.6%
$50k – $100k	24.8%	29.8%	31.1%
$100k – $200k	5.4%	16.1%	20.6%
Over $200k	0.4%	3.6%	5.7%

Demographics & statistics

32,172

Population

308

People per sq mi

38.1

Median age

$36,845

Median household income

$20,956

Per capita income

$52,200

Median home value

$824

Median monthly rent

64.7%

Home ownership

32.0%

Poverty rate

11.1%

Unemployment

11,421

Housing units

8.6%

Bachelor's or higher

Age distribution

Male Female

1,152

Under 5

1,385

1,108

5–9

1,332

1,031

10–14

1,240

919

15–19

1,104

693

20–24

834

2,022

25–34

2,431

1,418

35–44

1,704

1,298

45–54

1,561

921

55–59

1,108

1,211

60–64

1,456

1,665

65–74

2,002

800

75–84

961

371

85+

445

← Male

Female →

Age summary

Group	Count	%
Under 18	8,520	26.5%
18 and over	23,652	73.5%
65 and over	6,244	19.4%
Median age	38.1 years

Race & ethnicity

Black or African American 59.2%

White 29.8%

Hispanic or Latino 4.5%

Two or more races 4.4%

Other race 1.8%

American Indian / Alaska Native 0.3%

Group	Count	%
Black or African American	19,935	59.2%
White	10,032	29.8%
Hispanic or Latino	1,529	4.5%
Two or more races	1,482	4.4%
Other race	623	1.8%
American Indian / Alaska Native	100	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	69.4%	50.4%	42.6%
$50k – $100k	24.8%	29.8%	31.1%
$100k – $200k	5.4%	16.1%	20.6%
Over $200k	0.4%	3.6%	5.7%

Under $10k 9.1%

$10k–$15k 13.0%

$15k–$25k 12.5%

$25k–$35k 13.0%

$35k–$50k 16.3%

$50k–$75k 17.7%

$75k–$100k 8.9%

$100k–$150k 6.2%

$150k–$200k 2.3%

$200k+ 1.1%

Range	% of households
Under $10k	9.1%
$10k–$15k	13.0%
$15k–$25k	12.5%
$25k–$35k	13.0%
$35k–$50k	16.3%
$50k–$75k	17.7%
$75k–$100k	8.9%
$100k–$150k	6.2%
$150k–$200k	2.3%
$200k+	1.1%
Median income	$36,845

Housing

Home values

Under $50k 48.2%

$50k–$100k 30.2%

$100k–$150k 11.6%

$150k–$200k 3.8%

$200k–$300k 2.9%

$300k–$500k 2.6%

$500k–$1M 0.6%

$1M+ 0.1%

Housing overview

Metric	Value
Median home value	$52,200
Median rent / month	$824
Owner occupied	64.7%
Renter occupied	35.3%
Vacant	16.3%
Single-family detached	80.6%
Large apartment buildings	4.1%
Mobile homes	2.7%
Median rooms	5.8
Avg household size (owned)	2.19

Year built

Era	%
2020 or later	0.1%
2010–2019	0.9%
2000–2009	3.8%
1990–1999	3.3%
1980–1989	5.8%
1970–1979	15.0%
1960–1969	17.5%
1950–1959	22.5%
1940–1949	12.0%
1939 or earlier	19.1%

Bedrooms

Size	% of units
No bedroom (studio)	1.5%
1 bedroom	7.6%
2 bedrooms	28.3%
3 bedrooms	49.4%
4 bedrooms	9.8%
5+ bedrooms	3.4%

Vehicles per household

Vehicles	% of households
No vehicle	17.8%
1 vehicle	38.8%
2 vehicles	31.6%
3 or more	11.8%

Heating fuel

Fuel type	%
Utility gas	82.0%
Electricity	12.0%
Propane / LP gas	3.1%
Fuel oil	0.6%
Wood	0.9%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	3,360	24.8%
Cohabiting couple	1,123	8.3%
Male householder, no spouse	2,708	20.0%
Female householder, no spouse	6,381	47.0%
Households with children under 18	3,900	28.7%
Households with seniors (65+)	4,974	36.6%
Average household size	2.35

Marital status

Status	Male	Female
Never married	43.9%	41.5%
Married	33.9%	27.2%
Separated	2.8%	3.1%
Widowed	6.5%	11.2%
Divorced	12.8%	17.0%

Education

Less than 9th grade 4.0%

Some HS, no diploma 12.0%

HS graduate 38.3%

Some college, no degree 26.9%

Associate's degree 10.3%

Bachelor's degree 6.1%

Graduate / professional 2.5%

Metric	%
HS diploma or higher	84.0%
Bachelor's or higher	8.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	488	6.2%
Kindergarten	670	8.5%
Elementary school	3,421	43.3%
High school	2,195	27.8%
College / grad school	1,128	14.3%

Employment

Industry of employment

Education & healthcare 28.1%

Manufacturing 16.4%

Arts, food & hospitality 12.5%

Retail trade 11.8%

Professional & management 8.0%

Transportation & utilities 5.6%

Other services 3.9%

Construction 3.7%

Finance & real estate 3.6%

Public administration 3.6%

Wholesale trade 1.4%

Agriculture & mining 0.9%

Information 0.6%

Occupation

Category	%
Management, business & arts	21.3%
Service	29.7%
Sales & office	20.0%
Natural resources & construction	5.0%
Production & transportation	23.9%

Employment type

Type	%
Private sector	84.1%
Government	9.5%
Self-employed	6.1%
Unpaid family workers	0.4%

Commute

Method	%
Drive alone	80.0%
Carpool	13.1%
Public transit	0.5%
Walk	0.7%
Work from home	3.9%
Other means	1.8%
Avg commute (minutes)	21.2

Poverty

All people 32.0%

Under 18 years 48.9%

18 and over 26.0%

Married-couple families 7.5%

Female-led households 38.4%

Income support

Source	% of households
Social Security	46.5%
Retirement income	29.5%
Supplemental Security	17.2%
Cash public assistance	7.1%
Food stamps / SNAP	40.7%

Health indicators

Condition	%
Obesity	52.6%
High blood pressure	45.3%
High cholesterol	34.5%
Diabetes	19.7%
Heart disease	8.5%
Stroke	5.8%
Asthma	14.1%
Arthritis	35.8%
Kidney disease	4.6%
Pulmonary disease	10.7%
Cancer	5.9%

Behavior / access	%
Smoking	28.3%
Binge drinking	15.4%
No physical activity	35.2%
Less than 7 hrs sleep	43.9%
Depression	21.6%
Fair or poor health	28.1%
Poor mental health	19.6%
Poor physical health	16.5%
No health insurance	16.8%
Visited doctor (checkup)	79.1%
Visited dentist	50.5%
Cholesterol screening	89.9%
Teeth loss	24.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,435	6.1%

Disability	%
Any disability	27.0%
Under 18	14.1%
18–64 years	26.8%
65 and over	45.2%

Health insurance coverage

Type	%
Private insurance	43.6%
Public insurance	69.6%
No insurance	4.7%
Uninsured under 19	3.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	29,635	92.1%
Spanish	357	1.2%
Other Indo-European	357	1.2%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	31,740	98.7%
Born in same state	31,612	98.3%
Born in different state	25,935	80.6%
Foreign born	128	0.4%
Naturalized citizen	432	1.3%
Not a US citizen	262	60.6%

Ancestry

Ancestry	Count	%
Italian	1,000	3.1%
Arab	783	2.4%
French	770	2.4%
Irish	147	0.5%
English	128	0.4%

Ancestry	Count	%
German	69	0.2%
Norwegian	33	0.1%
Polish	30	0.1%
Dutch	14	0%

Technology access

Metric	% of households
Computer access	42.2%
Internet access	86.1%

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

Frequently asked questions about ZIP code 48601

What city is ZIP code 48601 in?

ZIP code 48601 is primarily assigned to Saginaw, Michigan.

What county is ZIP code 48601 in?

ZIP code 48601 falls within Saginaw County, Michigan.

What is the poverty rate in ZIP code 48601?

32% of residents in ZIP code 48601 live below the poverty line, above the national average.

How educated is the population of ZIP code 48601?

9% 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 48601 have a large retiree population?

47% of households in ZIP code 48601 receive Social Security income, suggesting a significant retiree or disability population.

What are the health statistics for ZIP code 48601?

Health data for ZIP code 48601 shows elevated rates of obesity (53%) and diabetes (20%) and smoking (28%) compared to national benchmarks.

What timezone is ZIP code 48601 in?

ZIP code 48601 observes the EST timezone.