48609 ZIP Code — Saginaw, MI

Saginaw County, Michigan

ZIP code 48609 is located in Saginaw, Michigan, within Saginaw County. It covers approximately 44.84 square miles and serves a population of 12,339 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 989.

About ZIP code 48609

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $158,600. Owner-occupancy is high at 89%, well above the national average.

Median household income is $76,669. 48% 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 24 minutes is near the national average.

Educational attainment is near the national average, with 25% of residents holding a bachelor's degree or higher.

Overall, ZIP code 48609 reflects a community defined by high homeownership and a significant Social Security-dependent population.

12,339

population

44.84

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

48609 ZIP code map

Cities in ZIP code 48609

Below are the cities the US Postal Service accepts for ZIP code 48609. Using any city not on this list may result in mail delivery delays.

City	Status
Saginaw	Preferred

Nearby ZIP codes

48638 Saginaw (2.7 mi) 48603 Saginaw (4.9 mi) 48602 Saginaw (5.2 mi) 48663 Saginaw (6.3 mi) 48607 Saginaw (7.2 mi) 48601 Saginaw (7.4 mi) 48626 Hemlock (7.5 mi) 48604 Saginaw (7.5 mi) 48623 Freeland (8.5 mi) 48655 Saint Charles (9.4 mi) 48417 Burt (11.6 mi) 48710 University Center (11.7 mi)

Demographics updated 06/2026

Population
Total population	12,339
Population density	275 / sq mi
State FIPS	26
County FIPS	145

Geography
Land area	44.84 sq mi
Water area	3.38 sq mi
Latitude	43.4030
Longitude	-84.0732
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	35.2%	50.4%	42.6%
$50k – $100k	36.5%	29.8%	31.1%
$100k – $200k	22.2%	16.1%	20.6%
Over $200k	6.1%	3.6%	5.7%

Demographics & statistics

12,339

Population

275

People per sq mi

50.2

Median age

$76,669

Median household income

$41,123

Per capita income

$158,600

Median home value

$872

Median monthly rent

88.5%

Home ownership

12.2%

Poverty rate

5.3%

Unemployment

4,924

Housing units

25.0%

Bachelor's or higher

Age distribution

Male Female

221

Under 5

236

317

5–9

339

341

10–14

365

270

15–19

289

279

20–24

298

455

25–34

488

704

35–44

753

816

45–54

873

378

55–59

405

510

60–64

546

951

65–74

1,019

537

75–84

575

181

85+

193

← Male

Female →

Age summary

Group	Count	%
Under 18	2,150	17.4%
18 and over	10,189	82.6%
65 and over	3,456	28.0%
Median age	50.2 years

Race & ethnicity

White 92.4%

Two or more races 3.5%

Hispanic or Latino 2.4%

Asian 0.8%

Other race 0.6%

Black or African American 0.1%

American Indian / Alaska Native 0.1%

Group	Count	%
White	11,683	92.4%
Two or more races	446	3.5%
Hispanic or Latino	307	2.4%
Asian	106	0.8%
Other race	82	0.6%
Black or African American	12	0.1%
American Indian / Alaska Native	10	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	35.2%	50.4%	42.6%
$50k – $100k	36.5%	29.8%	31.1%
$100k – $200k	22.2%	16.1%	20.6%
Over $200k	6.1%	3.6%	5.7%

Under $10k 2.6%

$10k–$15k 3.4%

$15k–$25k 11.1%

$25k–$35k 6.1%

$35k–$50k 9.6%

$50k–$75k 15.2%

$75k–$100k 15.5%

$100k–$150k 19.5%

$150k–$200k 8.9%

$200k+ 8.0%

Range	% of households
Under $10k	2.6%
$10k–$15k	3.4%
$15k–$25k	11.1%
$25k–$35k	6.1%
$35k–$50k	9.6%
$50k–$75k	15.2%
$75k–$100k	15.5%
$100k–$150k	19.5%
$150k–$200k	8.9%
$200k+	8.0%
Median income	$76,669

Housing

Home values

Under $50k 8.4%

$50k–$100k 12.5%

$100k–$150k 24.6%

$150k–$200k 20.4%

$200k–$300k 22.4%

$300k–$500k 9.0%

$500k–$1M 2.7%

Housing overview

Metric	Value
Median home value	$158,600
Median rent / month	$872
Owner occupied	88.5%
Renter occupied	11.5%
Vacant	4.4%
Single-family detached	76.7%
Large apartment buildings	3.9%
Mobile homes	6.4%
Median rooms	6.3
Avg household size (owned)	2.34

Year built

Era	%
2020 or later	0.0%
2010–2019	2.6%
2000–2009	11.8%
1990–1999	16.7%
1980–1989	9.0%
1970–1979	26.2%
1960–1969	16.1%
1950–1959	8.1%
1940–1949	3.3%
1939 or earlier	6.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	4.7%
2 bedrooms	20.7%
3 bedrooms	53.2%
4 bedrooms	18.4%
5+ bedrooms	3.0%

Vehicles per household

Vehicles	% of households
No vehicle	2.3%
1 vehicle	28.8%
2 vehicles	40.6%
3 or more	28.3%

Heating fuel

Fuel type	%
Utility gas	81.8%
Electricity	14.5%
Propane / LP gas	2.6%
Fuel oil	0.2%
Wood	0.9%

Households & families

Household type	Count	%
Married-couple family	2,770	52.4%
Cohabiting couple	254	4.8%
Male householder, no spouse	756	14.3%
Female householder, no spouse	1,505	28.5%
Households with children under 18	1,290	24.4%
Households with seniors (65+)	2,369	44.8%
Average household size	2.31

Marital status

Status	Male	Female
Never married	24.9%	24.2%
Married	60.3%	52.6%
Separated	0.5%	1.5%
Widowed	4.0%	11.1%
Divorced	10.3%	10.5%

Education

Less than 9th grade 2.8%

Some HS, no diploma 4.2%

HS graduate 33.9%

Some college, no degree 21.0%

Associate's degree 13.1%

Bachelor's degree 15.9%

Graduate / professional 9.1%

Metric	%
HS diploma or higher	93.0%
Bachelor's or higher	25.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	197	8.3%
Kindergarten	96	4.0%
Elementary school	1,002	42.1%
High school	514	21.6%
College / grad school	571	24.0%

Employment

Industry of employment

Education & healthcare 26.8%

Retail trade 12.5%

Manufacturing 11.9%

Professional & management 11.4%

Arts, food & hospitality 8.9%

Construction 7.3%

Other services 5.9%

Public administration 5.4%

Finance & real estate 3.6%

Transportation & utilities 2.2%

Wholesale trade 2.0%

Agriculture & mining 1.2%

Information 0.7%

Occupation

Category	%
Management, business & arts	41.8%
Service	18.4%
Sales & office	17.6%
Natural resources & construction	9.2%
Production & transportation	12.9%

Employment type

Type	%
Private sector	81.4%
Government	12.6%
Self-employed	5.3%
Unpaid family workers	0.7%

Commute

Method	%
Drive alone	87.9%
Carpool	3.2%
Public transit	0.0%
Walk	1.3%
Work from home	7.2%
Other means	0.4%
Avg commute (minutes)	23.9

Poverty

All people 12.2%

Under 18 years 18.8%

18 and over 10.8%

Married-couple families 6.1%

Female-led households 20.8%

Income support

Source	% of households
Social Security	48.4%
Retirement income	43.7%
Supplemental Security	4.3%
Cash public assistance	2.5%
Food stamps / SNAP	8.2%

Health indicators

Condition	%
Obesity	38.2%
High blood pressure	35.1%
High cholesterol	37.4%
Diabetes	11.2%
Heart disease	7.4%
Stroke	3.2%
Asthma	10.3%
Arthritis	33.9%
Kidney disease	3.1%
Pulmonary disease	7.8%
Cancer	8.3%

Behavior / access	%
Smoking	17.9%
Binge drinking	19.7%
No physical activity	20.5%
Less than 7 hrs sleep	32.7%
Depression	21.4%
Fair or poor health	13.5%
Poor mental health	14.9%
Poor physical health	10.5%
No health insurance	8.4%
Visited doctor (checkup)	75.7%
Visited dentist	72.0%
Cholesterol screening	92.8%
Teeth loss	10.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	801	7.9%

Disability	%
Any disability	17.3%
Under 18	3.5%
18–64 years	11.9%
65 and over	36.8%

Health insurance coverage

Type	%
Private insurance	76.3%
Public insurance	46.3%
No insurance	2.7%
Uninsured under 19	1.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	11,882	96.3%
Spanish	182	1.5%
Other Indo-European	43	0.4%
Asian & Pacific Islander	139	1.2%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	11,884	96.3%
Born in same state	11,846	96.0%
Born in different state	10,597	85.9%
Foreign born	38	0.3%
Naturalized citizen	455	3.7%
Not a US citizen	451	99.1%

Ancestry

Ancestry	Count	%
French	1,446	11.7%
Italian	1,287	10.4%
Arab	604	4.9%
German	235	1.9%
Irish	196	1.6%

Ancestry	Count	%
English	165	1.3%
Norwegian	57	0.5%
Polish	51	0.4%
Dutch	28	0.2%

Technology access

Metric	% of households
Computer access	42.8%
Internet access	92.8%

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

Frequently asked questions about ZIP code 48609

What city is ZIP code 48609 in?

ZIP code 48609 is primarily assigned to Saginaw, Michigan.

What county is ZIP code 48609 in?

ZIP code 48609 falls within Saginaw County, Michigan.

Does ZIP code 48609 have an older population?

28% of residents in ZIP code 48609 are 65 or older, above the national average of ~17%.

Is ZIP code 48609 mostly owner-occupied?

89% of occupied units in ZIP code 48609 are owner-occupied, well above the national average.

Does ZIP code 48609 have a large retiree population?

48% of households in ZIP code 48609 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 48609?

The median home value in ZIP code 48609 is $158,600.

What timezone is ZIP code 48609 in?

ZIP code 48609 observes the EST timezone.