48638 ZIP Code — Saginaw, MI
Saginaw County, Michigan
ZIP code 48638 is located in Saginaw, Michigan, within Saginaw County. It covers approximately 6.54 square miles and serves a population of 12,157 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 989.
About ZIP code 48638
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 $151,700. Owner-occupancy sits near the national average at 67%.
Median household income is $60,262. 43% 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 34% of residents holding a bachelor's degree or higher.
12,157
population
6.54
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
48638 ZIP code map
Cities in ZIP code 48638
Below are the cities the US Postal Service accepts for ZIP code 48638. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Saginaw | Preferred |
Nearby ZIP codes
48602 Saginaw (2.5 mi)
48609 Saginaw (2.7 mi)
48603 Saginaw (3.4 mi)
48663 Saginaw (3.6 mi)
48607 Saginaw (4.5 mi)
48601 Saginaw (4.8 mi)
48604 Saginaw (5.3 mi)
48623 Freeland (9.5 mi)
48626 Hemlock (10 mi)
48710 University Center (10.2 mi)
48722 Bridgeport (10.2 mi)
48417 Burt (11.1 mi)
Demographics
updated 06/2026
| Population | |
|---|---|
| Total population | 12,157 |
| Population density | 1,859 / sq mi |
| State FIPS | 26 |
| County FIPS | 145 |
| Geography | |
|---|---|
| Land area | 6.54 sq mi |
| Water area | 0.16 sq mi |
| Latitude | 43.4148 |
| Longitude | -84.0215 |
| 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 | 46.4% | 50.4% | 42.6% |
| $50k – $100k | 33.8% | 29.8% | 31.1% |
| $100k – $200k | 13.7% | 16.1% | 20.6% |
| Over $200k | 6.1% | 3.6% | 5.7% |
Demographics & statistics
12,157
Population
1,859
People per sq mi
45.9
Median age
$60,262
Median household income
$41,739
Per capita income
$151,700
Median home value
$867
Median monthly rent
66.5%
Home ownership
11.2%
Poverty rate
3.0%
Unemployment
4,525
Housing units
33.8%
Bachelor's or higher
Age distribution
Male
Female
216
Under 5
250
273
5–9
317
274
10–14
318
447
15–19
518
281
20–24
325
665
25–34
772
592
35–44
687
712
45–54
827
351
55–59
407
361
60–64
419
805
65–74
933
419
75–84
485
233
85+
270
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 2,213 | 18.2% |
| 18 and over | 9,944 | 81.8% |
| 65 and over | 3,145 | 25.9% |
| Median age | 45.9 years | |
Race & ethnicity
White
74.2%
Black or African American
18.1%
Two or more races
3%
Hispanic or Latino
2.3%
Other race
1.3%
Asian
1%
American Indian / Alaska Native
0.1%
| Group | Count | % |
|---|---|---|
| White | 9,232 | 74.2% |
| Black or African American | 2,247 | 18.1% |
| Two or more races | 372 | 3% |
| Hispanic or Latino | 289 | 2.3% |
| Other race | 164 | 1.3% |
| Asian | 129 | 1% |
| American Indian / Alaska Native | 13 | 0.1% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 46.4% | 50.4% | 42.6% |
| $50k – $100k | 33.8% | 29.8% | 31.1% |
| $100k – $200k | 13.7% | 16.1% | 20.6% |
| Over $200k | 6.1% | 3.6% | 5.7% |
Under $10k
6.2%
$10k–$15k
4.4%
$15k–$25k
9.2%
$25k–$35k
5.5%
$35k–$50k
16.9%
$50k–$75k
17.8%
$75k–$100k
16.5%
$100k–$150k
12.3%
$150k–$200k
3.1%
$200k+
8.0%
| Range | % of households |
|---|---|
| Under $10k | 6.2% |
| $10k–$15k | 4.4% |
| $15k–$25k | 9.2% |
| $25k–$35k | 5.5% |
| $35k–$50k | 16.9% |
| $50k–$75k | 17.8% |
| $75k–$100k | 16.5% |
| $100k–$150k | 12.3% |
| $150k–$200k | 3.1% |
| $200k+ | 8.0% |
| Median income | $60,262 |
Housing
Home values
Under $50k
5.7%
$50k–$100k
14.3%
$100k–$150k
28.7%
$150k–$200k
35.3%
$200k–$300k
12.0%
$300k–$500k
3.1%
$500k–$1M
0.3%
$1M+
0.6%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $151,700 |
| Median rent / month | $867 |
| Owner occupied | 66.5% |
| Renter occupied | 33.5% |
| Vacant | 9.2% |
| Single-family detached | 65.2% |
| Large apartment buildings | 9.6% |
| Mobile homes | 0.1% |
| Median rooms | 5.7 |
| Avg household size (owned) | 2.25 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.0% |
| 2010–2019 | 0.2% |
| 2000–2009 | 2.0% |
| 1990–1999 | 6.0% |
| 1980–1989 | 10.6% |
| 1970–1979 | 37.6% |
| 1960–1969 | 16.9% |
| 1950–1959 | 20.3% |
| 1940–1949 | 4.4% |
| 1939 or earlier | 2.0% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 1.5% |
| 1 bedroom | 12.3% |
| 2 bedrooms | 23.7% |
| 3 bedrooms | 48.0% |
| 4 bedrooms | 12.2% |
| 5+ bedrooms | 2.2% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 5.6% |
| 1 vehicle | 45.9% |
| 2 vehicles | 33.5% |
| 3 or more | 15.0% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 80.2% |
| Electricity | 15.1% |
| Propane / LP gas | 0.5% |
| Wood | 0.4% |
| No fuel used | 2.8% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 2,365 | 40.1% |
| Cohabiting couple | 505 | 8.6% |
| Male householder, no spouse | 1,145 | 19.4% |
| Female householder, no spouse | 1,887 | 32.0% |
| Households with children under 18 | 1,298 | 22.0% |
| Households with seniors (65+) | 2,392 | 40.5% |
| Average household size | 2.06 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 34.8% | 30.1% |
| Married | 51.0% | 43.6% |
| Separated | 0.0% | 0.4% |
| Widowed | 3.6% | 10.5% |
| Divorced | 10.5% | 15.4% |
Education
Less than 9th grade
1.1%
Some HS, no diploma
5.7%
HS graduate
22.5%
Some college, no degree
24.7%
Associate's degree
12.3%
Bachelor's degree
22.6%
Graduate / professional
11.1%
| Metric | % |
|---|---|
| HS diploma or higher | 93.2% |
| Bachelor's or higher | 33.8% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 83 | 3.3% |
| Kindergarten | 176 | 7.0% |
| Elementary school | 875 | 34.8% |
| High school | 661 | 26.3% |
| College / grad school | 719 | 28.6% |
Employment
Industry of employment
Education & healthcare
23.8%
Manufacturing
21.3%
Retail trade
9.2%
Professional & management
8.9%
Arts, food & hospitality
7.8%
Finance & real estate
7.7%
Other services
5.6%
Construction
5.3%
Public administration
3.9%
Transportation & utilities
3.2%
Information
2.6%
Wholesale trade
0.7%
Agriculture & mining
0.2%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 38.2% |
| Service | 18.4% |
| Sales & office | 21.8% |
| Natural resources & construction | 5.3% |
| Production & transportation | 16.3% |
Employment type
| Type | % |
|---|---|
| Private sector | 81.5% |
| Government | 12.0% |
| Self-employed | 6.5% |
| Unpaid family workers | 0.0% |
Commute
| Method | % |
|---|---|
| Drive alone | 84.2% |
| Carpool | 9.3% |
| Public transit | 0.0% |
| Walk | 0.6% |
| Work from home | 5.7% |
| Other means | 0.2% |
| Avg commute (minutes) | 21.1 |
Poverty
All people
11.2%
Under 18 years
17.0%
18 and over
10.0%
Married-couple families
0.7%
Female-led households
35.7%
Income support
| Source | % of households |
|---|---|
| Social Security | 42.7% |
| Retirement income | 35.5% |
| Supplemental Security | 5.3% |
| Cash public assistance | 1.3% |
| Food stamps / SNAP | 11.7% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 38.3% |
| High blood pressure | 34.5% |
| High cholesterol | 35.9% |
| Diabetes | 11.3% |
| Heart disease | 7.1% |
| Stroke | 3.3% |
| Asthma | 10.7% |
| Arthritis | 32.4% |
| Kidney disease | 3.1% |
| Pulmonary disease | 7.3% |
| Cancer | 7.9% |
| Behavior / access | % |
|---|---|
| Smoking | 16.8% |
| Binge drinking | 19.2% |
| No physical activity | 20.5% |
| Less than 7 hrs sleep | 33.2% |
| Depression | 21.2% |
| Fair or poor health | 13.6% |
| Poor mental health | 15.4% |
| Poor physical health | 10.3% |
| No health insurance | 8.9% |
| Visited doctor (checkup) | 76.0% |
| Visited dentist | 71.1% |
| Cholesterol screening | 92.1% |
| Teeth loss | 10.2% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 793 | 8.0% |
| Disability | % |
|---|---|
| Any disability | 16.9% |
| Under 18 | 3.8% |
| 18–64 years | 10.9% |
| 65 and over | 39.3% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 75.8% |
| Public insurance | 43.5% |
| No insurance | 5.3% |
| Uninsured under 19 | 6.9% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 11,691 | 96.2% |
| Spanish | 202 | 1.7% |
| Other Indo-European | 149 | 1.3% |
| Asian & Pacific Islander | 8 | 0.1% |
| Other languages | 45 | 0.4% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 11,881 | 97.7% |
| Born in same state | 11,848 | 97.5% |
| Born in different state | 10,037 | 82.6% |
| Foreign born | 33 | 0.3% |
| Naturalized citizen | 276 | 2.3% |
| Not a US citizen | 158 | 57.2% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 1,632 | 13.4% |
| French | 1,011 | 8.3% |
| Arab | 321 | 2.6% |
| English | 165 | 1.4% |
| Irish | 126 | 1% |
| Ancestry | Count | % |
|---|---|---|
| German | 125 | 1% |
| Norwegian | 61 | 0.5% |
| Dutch | 57 | 0.5% |
| Polish | 46 | 0.4% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 48.5% |
| Internet access | 93.3% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 48638
What city is ZIP code 48638 in?
ZIP code 48638 is primarily assigned to Saginaw, Michigan.
What county is ZIP code 48638 in?
ZIP code 48638 falls within Saginaw County, Michigan.
Does ZIP code 48638 have an older population?
26% of residents in ZIP code 48638 are 65 or older, above the national average of ~17%.
Does ZIP code 48638 have a large retiree population?
43% of households in ZIP code 48638 receive Social Security income, suggesting a significant retiree or disability population.
What is the typical home value in ZIP code 48638?
The median home value in ZIP code 48638 is $151,700.
What is the population of ZIP code 48638?
ZIP code 48638 has an estimated population of 12,157 residents, with a density of 1,858 people per square mile.
What timezone is ZIP code 48638 in?
ZIP code 48638 observes the EST timezone.