48655 ZIP Code — Saint Charles, MI

Saginaw County, Michigan

ZIP code 48655 is located in Saint Charles, Michigan, within Saginaw County. It covers approximately 93.90 square miles and serves a population of 5,773 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 989.

About ZIP code 48655

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 $138,800. Owner-occupancy is high at 89%, well above the national average.

Median household income is $63,947. 42% 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 32 minutes is near the national average.

College attainment at 16% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (21%) compared to national benchmarks.

Overall, ZIP code 48655 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

5,773

population

93.90

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

48655 ZIP code map

Cities in ZIP code 48655

Below are the cities the US Postal Service accepts for ZIP code 48655. Using any city not on this list may result in mail delivery delays.

City	Status
Saint Charles	Preferred

Nearby ZIP codes

48616 Chesaning (6.9 mi) 48626 Hemlock (8.8 mi) 48649 Oakley (8.9 mi) 48609 Saginaw (9.4 mi) 48637 Merrill (11.6 mi) 48638 Saginaw (11.7 mi) 48417 Burt (12 mi) 48457 Montrose (13.4 mi) 48841 Henderson (13.5 mi) 48841 Henderson (13.5 mi) 48602 Saginaw (13.6 mi) 48603 Saginaw (14.3 mi)

Demographics updated 05/2026

Population
Total population	5,773
Population density	61 / sq mi
State FIPS	26
County FIPS	145

Geography
Land area	93.90 sq mi
Water area	1.56 sq mi
Latitude	43.2915
Longitude	-84.1805
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	43.2%	50.4%	42.6%
$50k – $100k	34.8%	29.8%	31.1%
$100k – $200k	20.0%	16.1%	20.6%
Over $200k	2.0%	3.6%	5.7%

Demographics & statistics

5,773

Population

People per sq mi

46.1

Median age

$63,947

Median household income

$31,513

Per capita income

$138,800

Median home value

$671

Median monthly rent

88.6%

Home ownership

9.4%

Poverty rate

3.1%

Unemployment

2,213

Housing units

16.4%

Bachelor's or higher

Age distribution

Male Female

110

Under 5

108

189

5–9

186

199

10–14

196

162

15–19

159

104

20–24

103

351

25–34

347

277

35–44

274

425

45–54

419

258

55–59

254

200

60–64

197

416

65–74

411

173

75–84

171

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,207	20.9%
18 and over	4,566	79.1%
65 and over	1,255	21.7%
Median age	46.1 years

Race & ethnicity

White 91.6%

Black or African American 3.6%

Two or more races 2.8%

Hispanic or Latino 1.2%

Asian 0.4%

American Indian / Alaska Native 0.2%

Other race 0.2%

Group	Count	%
White	5,355	91.6%
Black or African American	210	3.6%
Two or more races	163	2.8%
Hispanic or Latino	72	1.2%
Asian	22	0.4%
American Indian / Alaska Native	14	0.2%
Other race	9	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	43.2%	50.4%	42.6%
$50k – $100k	34.8%	29.8%	31.1%
$100k – $200k	20.0%	16.1%	20.6%
Over $200k	2.0%	3.6%	5.7%

Under $10k 2.7%

$10k–$15k 2.9%

$15k–$25k 11.4%

$25k–$35k 9.1%

$35k–$50k 12.9%

$50k–$75k 18.4%

$75k–$100k 14.6%

$100k–$150k 17.8%

$150k–$200k 7.8%

$200k+ 2.3%

Range	% of households
Under $10k	2.7%
$10k–$15k	2.9%
$15k–$25k	11.4%
$25k–$35k	9.1%
$35k–$50k	12.9%
$50k–$75k	18.4%
$75k–$100k	14.6%
$100k–$150k	17.8%
$150k–$200k	7.8%
$200k+	2.3%
Median income	$63,947

Housing

Home values

Under $50k 3.8%

$50k–$100k 24.5%

$100k–$150k 24.8%

$150k–$200k 18.0%

$200k–$300k 16.5%

$300k–$500k 11.1%

$500k–$1M 1.2%

$1M+ 0.1%

Housing overview

Metric	Value
Median home value	$138,800
Median rent / month	$671
Owner occupied	88.6%
Renter occupied	11.4%
Vacant	4.4%
Single-family detached	89.2%
Large apartment buildings	1.0%
Mobile homes	3.0%
Median rooms	6.4
Avg household size (owned)	2.46

Year built

Era	%
2020 or later	0.4%
2010–2019	1.8%
2000–2009	8.5%
1990–1999	12.8%
1980–1989	9.5%
1970–1979	20.2%
1960–1969	13.0%
1950–1959	10.9%
1940–1949	3.9%
1939 or earlier	19.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	4.3%
2 bedrooms	23.2%
3 bedrooms	54.3%
4 bedrooms	17.0%
5+ bedrooms	1.1%

Vehicles per household

Vehicles	% of households
No vehicle	3.7%
1 vehicle	24.2%
2 vehicles	41.4%
3 or more	30.6%

Heating fuel

Fuel type	%
Utility gas	50.5%
Electricity	4.0%
Propane / LP gas	30.1%
Fuel oil	4.1%
Wood	9.2%
Solar	0.2%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	1,359	57.2%
Cohabiting couple	119	5.0%
Male householder, no spouse	372	15.7%
Female householder, no spouse	524	22.1%
Households with children under 18	639	26.9%
Households with seniors (65+)	841	35.4%
Average household size	2.42

Marital status

Status	Male	Female
Never married	24.6%	19.8%
Married	58.2%	58.6%
Separated	1.7%	0.3%
Widowed	4.4%	7.5%
Divorced	11.1%	13.9%

Education

Less than 9th grade 1.6%

Some HS, no diploma 5.4%

HS graduate 36.1%

Some college, no degree 27.6%

Associate's degree 12.8%

Bachelor's degree 10.8%

Graduate / professional 5.6%

Metric	%
HS diploma or higher	93.0%
Bachelor's or higher	16.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	34	2.8%
Kindergarten	94	7.8%
Elementary school	573	47.5%
High school	320	26.5%
College / grad school	185	15.3%

Employment

Industry of employment

Education & healthcare 23.7%

Manufacturing 20.7%

Retail trade 11.2%

Construction 7.1%

Professional & management 6.9%

Other services 6.9%

Transportation & utilities 5.8%

Public administration 5.6%

Arts, food & hospitality 4.7%

Finance & real estate 3.4%

Wholesale trade 2.1%

Agriculture & mining 1.3%

Information 0.6%

Occupation

Category	%
Management, business & arts	34.3%
Service	13.8%
Sales & office	19.5%
Natural resources & construction	12.1%
Production & transportation	20.4%

Employment type

Type	%
Private sector	80.0%
Government	12.9%
Self-employed	7.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	80.0%
Carpool	9.4%
Public transit	0.0%
Walk	1.5%
Work from home	8.2%
Other means	1.0%
Avg commute (minutes)	32.1

Poverty

All people 9.4%

Under 18 years 4.6%

18 and over 10.6%

Married-couple families 4.0%

Female-led households 23.8%

Income support

Source	% of households
Social Security	42.3%
Retirement income	36.3%
Supplemental Security	7.8%
Cash public assistance	2.8%
Food stamps / SNAP	13.9%

Health indicators

Condition	%
Obesity	40.1%
High blood pressure	34.3%
High cholesterol	36.0%
Diabetes	11.2%
Heart disease	7.2%
Stroke	3.3%
Asthma	10.8%
Arthritis	32.8%
Kidney disease	3.0%
Pulmonary disease	8.3%
Cancer	7.3%

Behavior / access	%
Smoking	21.3%
Binge drinking	20.8%
No physical activity	22.1%
Less than 7 hrs sleep	34.4%
Depression	22.8%
Fair or poor health	14.9%
Poor mental health	16.5%
Poor physical health	11.3%
No health insurance	9.6%
Visited doctor (checkup)	74.1%
Visited dentist	68.2%
Cholesterol screening	91.3%
Teeth loss	12.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	489	10.7%

Disability	%
Any disability	19.2%
Under 18	10.6%
18–64 years	16.6%
65 and over	34.6%

Health insurance coverage

Type	%
Private insurance	73.9%
Public insurance	42.4%
No insurance	3.3%
Uninsured under 19	3.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	5,555	96.2%
Spanish	6	0.1%
Other Indo-European	0	0.0%
Asian & Pacific Islander	6	0.1%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	5,744	99.5%
Born in same state	5,723	99.1%
Born in different state	5,110	88.5%
Foreign born	21	0.4%
Naturalized citizen	29	0.5%
Not a US citizen	17	58.6%

Ancestry

Ancestry	Count	%
Italian	635	11%
French	573	9.9%
Arab	250	4.3%
German	75	1.3%

Ancestry	Count	%
Irish	70	1.2%
English	66	1.1%
Dutch	25	0.4%
Polish	19	0.3%

Technology access

Metric	% of households
Computer access	41.1%
Internet access	91.6%

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

Frequently asked questions about ZIP code 48655

What city is ZIP code 48655 in?

ZIP code 48655 is primarily assigned to Saint Charles, Michigan.

What county is ZIP code 48655 in?

ZIP code 48655 falls within Saginaw County, Michigan.

Is ZIP code 48655 mostly owner-occupied?

89% of occupied units in ZIP code 48655 are owner-occupied, well above the national average.

Does ZIP code 48655 have a large retiree population?

42% of households in ZIP code 48655 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 48655 have a large veteran population?

11% of civilians in ZIP code 48655 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 48655?

The median home value in ZIP code 48655 is $138,800.

What timezone is ZIP code 48655 in?

ZIP code 48655 observes the EST timezone.