48603 ZIP Code — Saginaw, MI

Saginaw County, Michigan

ZIP code 48603 is located in Saginaw, Michigan, within Saginaw County. It covers approximately 18.22 square miles and serves a population of 28,426 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 989.

About ZIP code 48603

The housing stock consists of a mix of housing types. Most homes were built in the 1970s, giving the area an established character. Median home value is $167,800. Owner-occupancy sits near the national average at 65%.

The gap between median ($61,881) and mean household income suggests income inequality — a small number of higher earners pull the average up. 36% 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 21 minutes is near the national average.

Educational attainment is near the national average, with 35% of residents holding a bachelor's degree or higher.

28,426

population

18.22

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

48603 ZIP code map

Cities in ZIP code 48603

Below are the cities the US Postal Service accepts for ZIP code 48603. Using any city not on this list may result in mail delivery delays.

City	Status
Saginaw	Preferred

Nearby ZIP codes

48604 Saginaw (3.1 mi) 48638 Saginaw (3.4 mi) 48602 Saginaw (4.3 mi) 48609 Saginaw (4.9 mi) 48663 Saginaw (4.9 mi) 48607 Saginaw (5.1 mi) 48601 Saginaw (6.1 mi) 48710 University Center (6.9 mi) 48623 Freeland (7.4 mi) 48626 Hemlock (10.4 mi) 48706 Bay City (10.8 mi) 48722 Bridgeport (12.4 mi)

Demographics updated 05/2026

Population
Total population	28,426
Population density	1,560 / sq mi
State FIPS	26
County FIPS	145

Geography
Land area	18.22 sq mi
Water area	0.22 sq mi
Latitude	43.4645
Longitude	-84.0259
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	44.9%	50.4%	42.6%
$50k – $100k	27.6%	29.8%	31.1%
$100k – $200k	21.3%	16.1%	20.6%
Over $200k	6.2%	3.6%	5.7%

Demographics & statistics

28,426

Population

1,560

People per sq mi

42.0

Median age

$61,881

Median household income

$41,865

Per capita income

$167,800

Median home value

$990

Median monthly rent

64.5%

Home ownership

13.9%

Poverty rate

5.4%

Unemployment

8,963

Housing units

35.1%

Bachelor's or higher

Age distribution

Male Female

817

Under 5

877

783

5–9

840

685

10–14

735

713

15–19

766

969

20–24

1,040

1,822

25–34

1,956

1,565

35–44

1,682

1,569

45–54

1,685

871

55–59

936

928

60–64

997

1,619

65–74

1,740

875

75–84

940

490

85+

526

← Male

Female →

Age summary

Group	Count	%
Under 18	5,513	19.4%
18 and over	22,913	80.6%
65 and over	6,190	21.8%
Median age	42.0 years

Race & ethnicity

White 73.8%

Black or African American 10.5%

Asian 5.2%

Two or more races 4.4%

Hispanic or Latino 3.6%

Other race 1.8%

American Indian / Alaska Native 0.8%

Native Hawaiian / Pacific Islander 0.2%

Group	Count	%
White	21,741	73.8%
Black or African American	3,081	10.5%
Asian	1,519	5.2%
Two or more races	1,285	4.4%
Hispanic or Latino	1,047	3.6%
Other race	527	1.8%
American Indian / Alaska Native	225	0.8%
Native Hawaiian / Pacific Islander	48	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.9%	50.4%	42.6%
$50k – $100k	27.6%	29.8%	31.1%
$100k – $200k	21.3%	16.1%	20.6%
Over $200k	6.2%	3.6%	5.7%

Under $10k 5.1%

$10k–$15k 2.8%

$15k–$25k 7.4%

$25k–$35k 9.3%

$35k–$50k 14.5%

$50k–$75k 19.3%

$75k–$100k 11.3%

$100k–$150k 15.0%

$150k–$200k 7.8%

$200k+ 7.6%

Range	% of households
Under $10k	5.1%
$10k–$15k	2.8%
$15k–$25k	7.4%
$25k–$35k	9.3%
$35k–$50k	14.5%
$50k–$75k	19.3%
$75k–$100k	11.3%
$100k–$150k	15.0%
$150k–$200k	7.8%
$200k+	7.6%
Median income	$61,881

Housing

Home values

Under $50k 5.1%

$50k–$100k 11.5%

$100k–$150k 23.3%

$150k–$200k 25.1%

$200k–$300k 22.7%

$300k–$500k 10.5%

$500k–$1M 1.4%

$1M+ 0.3%

Housing overview

Metric	Value
Median home value	$167,800
Median rent / month	$990
Owner occupied	64.5%
Renter occupied	35.5%
Vacant	6.8%
Single-family detached	57.5%
Large apartment buildings	7.2%
Mobile homes	4.4%
Median rooms	5.8
Avg household size (owned)	2.38

Year built

Era	%
2020 or later	0.3%
2010–2019	5.1%
2000–2009	13.6%
1990–1999	14.0%
1980–1989	11.1%
1970–1979	22.2%
1960–1969	16.2%
1950–1959	13.1%
1940–1949	1.0%
1939 or earlier	3.3%

Bedrooms

Size	% of units
No bedroom (studio)	2.7%
1 bedroom	8.6%
2 bedrooms	25.6%
3 bedrooms	46.2%
4 bedrooms	14.8%
5+ bedrooms	2.2%

Vehicles per household

Vehicles	% of households
No vehicle	6.8%
1 vehicle	36.4%
2 vehicles	40.8%
3 or more	16.0%

Heating fuel

Fuel type	%
Utility gas	78.4%
Electricity	17.6%
Propane / LP gas	1.3%
Wood	0.4%
No fuel used	0.9%

Households & families

Household type	Count	%
Married-couple family	5,755	46.1%
Cohabiting couple	892	7.1%
Male householder, no spouse	1,959	15.7%
Female householder, no spouse	3,875	31.0%
Households with children under 18	3,169	25.4%
Households with seniors (65+)	4,163	33.4%
Average household size	2.24

Marital status

Status	Male	Female
Never married	32.0%	26.9%
Married	52.7%	47.5%
Separated	1.2%	0.8%
Widowed	4.4%	12.2%
Divorced	9.6%	12.6%

Education

Less than 9th grade 2.3%

Some HS, no diploma 4.2%

HS graduate 26.7%

Some college, no degree 19.6%

Associate's degree 12.1%

Bachelor's degree 21.4%

Graduate / professional 13.7%

Metric	%
HS diploma or higher	93.5%
Bachelor's or higher	35.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	382	6.2%
Kindergarten	300	4.8%
Elementary school	2,466	39.7%
High school	1,209	19.5%
College / grad school	1,853	29.8%

Employment

Industry of employment

Education & healthcare 30.2%

Manufacturing 17.5%

Retail trade 12.5%

Professional & management 9.5%

Arts, food & hospitality 7.5%

Finance & real estate 6.1%

Construction 3.6%

Other services 3.2%

Public administration 3.2%

Transportation & utilities 2.9%

Wholesale trade 1.7%

Information 1.6%

Agriculture & mining 0.4%

Occupation

Category	%
Management, business & arts	41.3%
Service	16.3%
Sales & office	22.5%
Natural resources & construction	5.0%
Production & transportation	14.9%

Employment type

Type	%
Private sector	86.5%
Government	10.2%
Self-employed	3.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	82.1%
Carpool	8.1%
Public transit	0.8%
Walk	0.7%
Work from home	7.6%
Other means	0.6%
Avg commute (minutes)	20.7

Poverty

All people 13.9%

Under 18 years 19.4%

18 and over 12.6%

Married-couple families 4.4%

Female-led households 33.4%

Income support

Source	% of households
Social Security	35.9%
Retirement income	31.8%
Supplemental Security	3.9%
Cash public assistance	3.0%
Food stamps / SNAP	12.2%

Health indicators

Condition	%
Obesity	37.2%
High blood pressure	33.6%
High cholesterol	34.6%
Diabetes	10.9%
Heart disease	6.8%
Stroke	3.1%
Asthma	10.4%
Arthritis	31.3%
Kidney disease	3.0%
Pulmonary disease	7.0%
Cancer	7.7%

Behavior / access	%
Smoking	16.3%
Binge drinking	19.3%
No physical activity	20.3%
Less than 7 hrs sleep	32.9%
Depression	20.7%
Fair or poor health	13.2%
Poor mental health	15.1%
Poor physical health	9.9%
No health insurance	8.8%
Visited doctor (checkup)	75.7%
Visited dentist	71.4%
Cholesterol screening	91.9%
Teeth loss	10.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,708	7.5%

Disability	%
Any disability	14.0%
Under 18	9.2%
18–64 years	8.4%
65 and over	34.5%

Health insurance coverage

Type	%
Private insurance	73.2%
Public insurance	40.4%
No insurance	4.7%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	26,732	94.0%
Spanish	563	2.1%
Other Indo-European	254	1.0%
Asian & Pacific Islander	91	0.3%
Other languages	206	0.8%

Place of birth & citizenship

Origin	Count	%
Native born (US)	26,573	93.5%
Born in same state	26,398	92.9%
Born in different state	22,842	80.4%
Foreign born	175	0.6%
Naturalized citizen	1,853	6.5%
Not a US citizen	938	50.6%

Ancestry

Ancestry	Count	%
Italian	3,362	11.8%
French	2,729	9.6%
Arab	893	3.1%
German	403	1.4%
English	366	1.3%

Ancestry	Count	%
Irish	191	0.7%
Polish	168	0.6%
Norwegian	116	0.4%
Dutch	70	0.2%

Technology access

Metric	% of households
Computer access	43.9%
Internet access	93.1%

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

Frequently asked questions about ZIP code 48603

What city is ZIP code 48603 in?

ZIP code 48603 is primarily assigned to Saginaw, Michigan.

What county is ZIP code 48603 in?

ZIP code 48603 falls within Saginaw County, Michigan.

Does ZIP code 48603 have a large retiree population?

36% of households in ZIP code 48603 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 48603?

The median home value in ZIP code 48603 is $167,800.

What is the population of ZIP code 48603?

ZIP code 48603 has an estimated population of 28,426 residents, with a density of 1,560 people per square mile.

What is the median household income in ZIP code 48603?

The median household income in ZIP code 48603 is $61,881, below the national median of ~$75,000.

What timezone is ZIP code 48603 in?

ZIP code 48603 observes the EST timezone.