48098 ZIP Code — Troy, MI

Oakland County, Michigan

ZIP code 48098 is located in Troy, Michigan, within Oakland County. It covers approximately 9.40 square miles and serves a population of 20,545 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 248.

About ZIP code 48098

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $467,800. Owner-occupancy is high at 92%, well above the national average.

The gap between median ($157,997) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 4% is below the national average.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 26 minutes is near the national average.

Educational attainment is high — 73% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 48098 reflects a community defined by a highly educated population and high homeownership.

20,545

population

9.40

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

48098 ZIP code map

Cities in ZIP code 48098

Below are the cities the US Postal Service accepts for ZIP code 48098. Using any city not on this list may result in mail delivery delays.

City	Status
Troy	Preferred

Nearby ZIP codes

48084 Troy (3 mi) 48085 Troy (3 mi) 48304 Bloomfield Hills (3 mi) 48309 Rochester (4.1 mi) 48009 Birmingham (4.1 mi) 48083 Troy (4.3 mi) 48017 Clawson (4.6 mi) 48307 Rochester (5.1 mi) 48073 Royal Oak (5.4 mi) 48302 Bloomfield Hills (5.9 mi) 48342 Pontiac (6.2 mi) 48341 Pontiac (6.4 mi)

Demographics updated 06/2026

Population
Total population	20,545
Population density	2,186 / sq mi
State FIPS	26
County FIPS	125

Geography
Land area	9.40 sq mi
Water area	0.02 sq mi
Latitude	42.5992
Longitude	-83.1788
Timezone	Eastern (ET)
Area code	248

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	13.4%	30.7%	42.6%
$50k – $100k	19.6%	28.7%	31.1%
$100k – $200k	34.4%	28.4%	20.6%
Over $200k	32.6%	12.3%	5.7%

Demographics & statistics

20,545

Population

2,186

People per sq mi

46.3

Median age

$157,997

Median household income

$68,992

Per capita income

$467,800

Median home value

$1,590

Median monthly rent

92.0%

Home ownership

4.2%

Poverty rate

4.7%

Unemployment

7,273

Housing units

73.2%

Bachelor's or higher

Age distribution

Male Female

493

Under 5

485

483

5–9

475

783

10–14

770

822

15–19

808

680

20–24

669

571

25–34

562

1,169

35–44

1,149

1,719

45–54

1,691

890

55–59

876

763

60–64

751

1,259

65–74

1,238

501

75–84

492

225

85+

221

← Male

Female →

Age summary

Group	Count	%
Under 18	4,496	21.9%
18 and over	16,049	78.1%
65 and over	3,936	19.2%
Median age	46.3 years

Race & ethnicity

White 61.9%

Asian 29.6%

Two or more races 4.2%

Black or African American 2.1%

Hispanic or Latino 1.6%

Other race 0.3%

American Indian / Alaska Native 0.2%

Group	Count	%
White	12,935	61.9%
Asian	6,190	29.6%
Two or more races	870	4.2%
Black or African American	434	2.1%
Hispanic or Latino	340	1.6%
Other race	72	0.3%
American Indian / Alaska Native	44	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	13.4%	30.7%	42.6%
$50k – $100k	19.6%	28.7%	31.1%
$100k – $200k	34.4%	28.4%	20.6%
Over $200k	32.6%	12.3%	5.7%

Under $10k 2.6%

$10k–$15k 0.2%

$15k–$25k 1.7%

$25k–$35k 3.3%

$35k–$50k 4.2%

$50k–$75k 8.5%

$75k–$100k 9.4%

$100k–$150k 16.9%

$150k–$200k 16.2%

$200k+ 37.1%

Range	% of households
Under $10k	2.6%
$10k–$15k	0.2%
$15k–$25k	1.7%
$25k–$35k	3.3%
$35k–$50k	4.2%
$50k–$75k	8.5%
$75k–$100k	9.4%
$100k–$150k	16.9%
$150k–$200k	16.2%
$200k+	37.1%
Median income	$157,997

Housing

Home values

Under $50k 0.4%

$50k–$100k 1.7%

$100k–$150k 1.0%

$150k–$200k 3.0%

$200k–$300k 9.4%

$300k–$500k 44.1%

$500k–$1M 38.3%

$1M+ 2.1%

Housing overview

Metric	Value
Median home value	$467,800
Median rent / month	$1,590
Owner occupied	92.0%
Renter occupied	8.0%
Vacant	6.5%
Single-family detached	84.5%
Large apartment buildings	2.4%
Mobile homes	0.0%
Median rooms	8.0
Avg household size (owned)	2.82

Year built

Era	%
2020 or later	0.3%
2010–2019	1.5%
2000–2009	4.6%
1990–1999	19.4%
1980–1989	29.6%
1970–1979	27.1%
1960–1969	10.5%
1950–1959	5.5%
1940–1949	0.6%
1939 or earlier	0.8%

Bedrooms

Size	% of units
No bedroom (studio)	1.7%
1 bedroom	1.7%
2 bedrooms	8.2%
3 bedrooms	30.3%
4 bedrooms	52.4%
5+ bedrooms	5.7%

Vehicles per household

Vehicles	% of households
No vehicle	1.9%
1 vehicle	18.5%
2 vehicles	54.0%
3 or more	25.5%

Heating fuel

Fuel type	%
Utility gas	89.8%
Electricity	8.4%
Propane / LP gas	1.8%

Households & families

Household type	Count	%
Married-couple family	5,337	72.6%
Cohabiting couple	355	4.8%
Male householder, no spouse	555	7.6%
Female householder, no spouse	1,102	15.0%
Households with children under 18	2,730	37.1%
Households with seniors (65+)	2,589	35.2%
Average household size	2.78

Marital status

Status	Male	Female
Never married	28.2%	24.3%
Married	65.1%	63.0%
Separated	0.2%	0.1%
Widowed	1.5%	5.1%
Divorced	5.0%	7.4%

Education

Less than 9th grade 0.7%

Some HS, no diploma 1.7%

HS graduate 8.3%

Some college, no degree 10.0%

Associate's degree 6.0%

Bachelor's degree 33.8%

Graduate / professional 39.5%

Metric	%
HS diploma or higher	97.6%
Bachelor's or higher	73.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	364	6.7%
Kindergarten	193	3.5%
Elementary school	1,917	35.1%
High school	1,444	26.4%
College / grad school	1,544	28.3%

Employment

Industry of employment

Education & healthcare 24.0%

Manufacturing 21.7%

Professional & management 17.8%

Finance & real estate 9.5%

Retail trade 8.9%

Arts, food & hospitality 4.4%

Other services 3.4%

Construction 3.1%

Transportation & utilities 2.3%

Wholesale trade 2.1%

Public administration 1.4%

Information 1.2%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	68.3%
Service	10.3%
Sales & office	16.1%
Natural resources & construction	2.1%
Production & transportation	3.2%

Employment type

Type	%
Private sector	87.7%
Government	7.4%
Self-employed	4.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	74.2%
Carpool	5.9%
Public transit	0.1%
Walk	0.3%
Work from home	18.4%
Other means	1.1%
Avg commute (minutes)	26.1

Poverty

All people 4.2%

Under 18 years 4.7%

18 and over 4.1%

Married-couple families 0.9%

Female-led households 13.5%

Income support

Source	% of households
Social Security	29.6%
Retirement income	25.5%
Supplemental Security	2.1%
Cash public assistance	1.6%
Food stamps / SNAP	1.8%

Health indicators

Condition	%
Obesity	27.5%
High blood pressure	30.4%
High cholesterol	36.4%
Diabetes	9.2%
Heart disease	5.1%
Stroke	2.2%
Asthma	8.9%
Arthritis	24.3%
Kidney disease	2.3%
Pulmonary disease	4.6%
Cancer	7.3%

Behavior / access	%
Smoking	9.8%
Binge drinking	15.7%
No physical activity	15.2%
Less than 7 hrs sleep	30.4%
Depression	15.1%
Fair or poor health	9.2%
Poor mental health	11.5%
Poor physical health	7.3%
No health insurance	5.4%
Visited doctor (checkup)	76.0%
Visited dentist	80.2%
Cholesterol screening	95.1%
Teeth loss	5.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	747	4.7%

Disability	%
Any disability	8.3%
Under 18	2.2%
18–64 years	5.3%
65 and over	24.7%

Health insurance coverage

Type	%
Private insurance	89.6%
Public insurance	23.3%
No insurance	1.2%
Uninsured under 19	0.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	19,567	95.2%
Spanish	1,714	8.8%
Other Indo-European	60	0.3%
Asian & Pacific Islander	360	1.8%
Other languages	1,201	6.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	14,757	71.8%
Born in same state	14,390	70.0%
Born in different state	11,717	57.0%
Foreign born	367	1.8%
Naturalized citizen	5,788	28.2%
Not a US citizen	3,891	67.2%

Ancestry

Ancestry	Count	%
Italian	2,039	9.9%
French	1,461	7.1%
Arab	532	2.6%
German	511	2.5%
English	169	0.8%

Ancestry	Count	%
Polish	122	0.6%
Dutch	58	0.3%
Irish	23	0.1%
Norwegian	9	0%

Technology access

Metric	% of households
Computer access	35.8%
Internet access	98.3%

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

Frequently asked questions about ZIP code 48098

What city is ZIP code 48098 in?

ZIP code 48098 is primarily assigned to Troy, Michigan.

What county is ZIP code 48098 in?

ZIP code 48098 falls within Oakland County, Michigan.

How educated is the population of ZIP code 48098?

73% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Is ZIP code 48098 mostly owner-occupied?

92% of occupied units in ZIP code 48098 are owner-occupied, well above the national average.

What is the median household income in ZIP code 48098?

The median household income in ZIP code 48098 is $157,997, above the national median of ~$75,000.

What is the typical home value in ZIP code 48098?

The median home value in ZIP code 48098 is $467,800.

What timezone is ZIP code 48098 in?

ZIP code 48098 observes the EST timezone.