48604 ZIP Code — Saginaw, MI

Saginaw County, Michigan

ZIP code 48604 is located in Saginaw, Michigan, within Saginaw County. It covers approximately 26.25 square miles and serves a population of 11,793 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 989.

About ZIP code 48604

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 $85,000. Owner-occupancy is high at 76%, well above the national average.

Median household income is $52,285. Poverty affects 29% of residents, above the national average.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 16 minutes is near the national average.

Educational attainment is near the national average, with 23% of residents holding a bachelor's degree or higher.

Overall, ZIP code 48604 reflects a community defined by economic challenges above the national average and high homeownership.

11,793

population

26.25

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

48604 ZIP code map

Cities in ZIP code 48604

Below are the cities the US Postal Service accepts for ZIP code 48604. Using any city not on this list may result in mail delivery delays.

City	Status
Saginaw	Acceptable
Saginaw	Preferred

Nearby ZIP codes

48603 Saginaw (3.1 mi) 48607 Saginaw (3.7 mi) 48663 Saginaw (4.3 mi) 48602 Saginaw (4.4 mi) 48601 Saginaw (5.1 mi) 48638 Saginaw (5.3 mi) 48710 University Center (5.5 mi) 48609 Saginaw (7.5 mi) 48706 Bay City (9 mi) 48708 Bay City (9.4 mi) 48623 Freeland (9.9 mi) 48747 Munger (11 mi)

Demographics updated 06/2026

Population
Total population	11,793
Population density	449 / sq mi
State FIPS	26
County FIPS	145

Geography
Land area	26.25 sq mi
Water area	2.98 sq mi
Latitude	43.4807
Longitude	-83.9681
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	54.1%	50.4%	42.6%
$50k – $100k	30.5%	29.8%	31.1%
$100k – $200k	15.0%	16.1%	20.6%
Over $200k	0.5%	3.6%	5.7%

Demographics & statistics

11,793

Population

449

People per sq mi

26.8

Median age

$52,285

Median household income

$27,238

Per capita income

$85,000

Median home value

$902

Median monthly rent

76.2%

Home ownership

29.2%

Poverty rate

8.4%

Unemployment

3,631

Housing units

22.9%

Bachelor's or higher

Age distribution

Male Female

187

Under 5

221

118

5–9

140

205

10–14

241

865

15–19

1,018

1,230

20–24

1,449

504

25–34

593

409

35–44

481

616

45–54

725

412

55–59

486

264

60–64

310

354

65–74

417

186

75–84

218

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,357	11.5%
18 and over	10,436	88.5%
65 and over	1,319	11.2%
Median age	26.8 years

Race & ethnicity

White 78.6%

Black or African American 9.5%

Two or more races 5.1%

Hispanic or Latino 4.3%

Other race 1.6%

Asian 0.5%

American Indian / Alaska Native 0.4%

Group	Count	%
White	9,684	78.6%
Black or African American	1,169	9.5%
Two or more races	627	5.1%
Hispanic or Latino	532	4.3%
Other race	200	1.6%
Asian	64	0.5%
American Indian / Alaska Native	44	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	54.1%	50.4%	42.6%
$50k – $100k	30.5%	29.8%	31.1%
$100k – $200k	15.0%	16.1%	20.6%
Over $200k	0.5%	3.6%	5.7%

Under $10k 6.9%

$10k–$15k 5.2%

$15k–$25k 9.8%

$25k–$35k 9.5%

$35k–$50k 16.6%

$50k–$75k 16.3%

$75k–$100k 12.7%

$100k–$150k 13.4%

$150k–$200k 4.4%

$200k+ 5.2%

Range	% of households
Under $10k	6.9%
$10k–$15k	5.2%
$15k–$25k	9.8%
$25k–$35k	9.5%
$35k–$50k	16.6%
$50k–$75k	16.3%
$75k–$100k	12.7%
$100k–$150k	13.4%
$150k–$200k	4.4%
$200k+	5.2%
Median income	$52,285

Housing

Home values

Under $50k 15.8%

$50k–$100k 47.4%

$100k–$150k 21.0%

$150k–$200k 10.3%

$200k–$300k 4.7%

$300k–$500k 0.8%

Housing overview

Metric	Value
Median home value	$85,000
Median rent / month	$902
Owner occupied	76.2%
Renter occupied	23.8%
Vacant	8.8%
Single-family detached	76.2%
Large apartment buildings	2.5%
Mobile homes	4.2%
Median rooms	5.9
Avg household size (owned)	2.09

Year built

Era	%
2020 or later	0.0%
2010–2019	3.2%
2000–2009	6.1%
1990–1999	9.1%
1980–1989	7.1%
1970–1979	13.8%
1960–1969	16.6%
1950–1959	25.3%
1940–1949	4.9%
1939 or earlier	13.8%

Bedrooms

Size	% of units
No bedroom (studio)	0.6%
1 bedroom	4.0%
2 bedrooms	20.9%
3 bedrooms	53.4%
4 bedrooms	17.7%
5+ bedrooms	3.4%

Vehicles per household

Vehicles	% of households
No vehicle	5.4%
1 vehicle	30.1%
2 vehicles	40.6%
3 or more	24.0%

Heating fuel

Fuel type	%
Utility gas	81.8%
Electricity	13.7%
Propane / LP gas	1.8%
Wood	1.0%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	1,569	37.1%
Cohabiting couple	243	5.7%
Male householder, no spouse	931	22.0%
Female householder, no spouse	1,489	35.2%
Households with children under 18	691	16.3%
Households with seniors (65+)	1,030	24.3%
Average household size	2.27

Marital status

Status	Male	Female
Never married	56.6%	56.1%
Married	33.4%	27.3%
Separated	1.2%	0.5%
Widowed	2.1%	6.8%
Divorced	6.8%	9.3%

Education

Less than 9th grade 1.1%

Some HS, no diploma 4.5%

HS graduate 36.5%

Some college, no degree 23.9%

Associate's degree 11.1%

Bachelor's degree 17.4%

Graduate / professional 5.5%

Metric	%
HS diploma or higher	94.4%
Bachelor's or higher	22.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	50	1.0%
Kindergarten	57	1.2%
Elementary school	558	11.3%
High school	367	7.4%
College / grad school	3,908	79.1%

Employment

Industry of employment

Education & healthcare 32.0%

Arts, food & hospitality 14.0%

Manufacturing 13.2%

Retail trade 10.4%

Professional & management 9.5%

Public administration 4.7%

Construction 4.1%

Transportation & utilities 3.0%

Finance & real estate 3.0%

Other services 2.9%

Information 1.4%

Wholesale trade 1.0%

Agriculture & mining 0.8%

Occupation

Category	%
Management, business & arts	31.8%
Service	26.5%
Sales & office	21.6%
Natural resources & construction	6.2%
Production & transportation	13.9%

Employment type

Type	%
Private sector	82.2%
Government	13.6%
Self-employed	4.2%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	71.2%
Carpool	4.1%
Public transit	0.4%
Walk	13.4%
Work from home	10.9%
Other means	0.0%
Avg commute (minutes)	15.9

Poverty

All people 29.2%

Under 18 years 40.5%

18 and over 27.5%

Married-couple families 5.2%

Female-led households 43.6%

Income support

Source	% of households
Social Security	29.3%
Retirement income	25.5%
Supplemental Security	4.3%
Cash public assistance	1.8%
Food stamps / SNAP	9.9%

Health indicators

Condition	%
Obesity	39.0%
High blood pressure	28.9%
High cholesterol	28.4%
Diabetes	9.9%
Heart disease	5.9%
Stroke	2.9%
Asthma	12.2%
Arthritis	25.8%
Kidney disease	2.8%
Pulmonary disease	7.4%
Cancer	5.2%

Behavior / access	%
Smoking	20.0%
Binge drinking	21.7%
No physical activity	22.6%
Less than 7 hrs sleep	35.2%
Depression	24.7%
Fair or poor health	15.4%
Poor mental health	19.9%
Poor physical health	10.9%
No health insurance	10.8%
Visited doctor (checkup)	73.1%
Visited dentist	64.2%
Cholesterol screening	85.6%
Teeth loss	15.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	621	6.0%

Disability	%
Any disability	10.6%
Under 18	3.5%
18–64 years	8.9%
65 and over	29.1%

Health insurance coverage

Type	%
Private insurance	77.6%
Public insurance	30.6%
No insurance	4.1%
Uninsured under 19	0.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	11,385	96.5%
Spanish	201	1.8%
Other Indo-European	110	1.0%
Asian & Pacific Islander	64	0.6%
Other languages	1	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	11,549	97.9%
Born in same state	11,518	97.7%
Born in different state	10,547	89.4%
Foreign born	31	0.3%
Naturalized citizen	244	2.1%
Not a US citizen	58	23.8%

Ancestry

Ancestry	Count	%
Italian	819	6.9%
Arab	694	5.9%
French	679	5.8%
German	354	3%

Ancestry	Count	%
English	196	1.7%
Polish	69	0.6%
Irish	41	0.3%

Technology access

Metric	% of households
Computer access	35.9%
Internet access	93.6%

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

Frequently asked questions about ZIP code 48604

What city is ZIP code 48604 in?

ZIP code 48604 is primarily assigned to Saginaw, Michigan.

What county is ZIP code 48604 in?

ZIP code 48604 falls within Saginaw County, Michigan.

What is the poverty rate in ZIP code 48604?

29% of residents in ZIP code 48604 live below the poverty line, above the national average.

What is the typical home value in ZIP code 48604?

The median home value in ZIP code 48604 is $85,000.

What is the population of ZIP code 48604?

ZIP code 48604 has an estimated population of 11,793 residents, with a density of 449 people per square mile.

What is the median household income in ZIP code 48604?

The median household income in ZIP code 48604 is $52,285, below the national median of ~$75,000.

What timezone is ZIP code 48604 in?

ZIP code 48604 observes the EST timezone.