48328 ZIP Code — Waterford, MI
Oakland County, Michigan
ZIP code 48328 is located in Waterford, Michigan, within Oakland County. It covers approximately 8.93 square miles and serves a population of 25,717 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 248/947.
About ZIP code 48328
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 $197,400. Owner-occupancy sits near the national average at 65%.
The gap between median ($65,687) and mean household income suggests income inequality — a small number of higher earners pull the average up. 33% 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 25 minutes is near the national average.
Educational attainment is near the national average, with 27% of residents holding a bachelor's degree or higher.
25,717
population
8.93
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
48328 ZIP code map
Cities in ZIP code 48328
Below are the cities the US Postal Service accepts for ZIP code 48328. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Waterford | Acceptable |
| Waterford | Preferred |
Nearby ZIP codes
48327 Waterford (2.7 mi)
48320 Keego Harbor (2.7 mi)
48341 Pontiac (3.2 mi)
48329 Waterford (3.4 mi)
48340 Pontiac (3.6 mi)
48342 Pontiac (3.7 mi)
48302 Bloomfield Hills (5.3 mi)
48346 Clarkston (6.1 mi)
48359 Lake Orion (6.9 mi)
48304 Bloomfield Hills (7.3 mi)
48360 Lake Orion (8 mi)
48301 Bloomfield Hills (8.1 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 25,717 |
| Population density | 2,880 / sq mi |
| State FIPS | 26 |
| County FIPS | 125 |
| Geography | |
|---|---|
| Land area | 8.93 sq mi |
| Water area | 1.84 sq mi |
| Latitude | 42.6471 |
| Longitude | -83.3556 |
| Timezone | Eastern (ET) |
| Area code | 248/947 |
Total population by age
Gender
Race & ethnicity
Economics
updated 05/2026
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 43.6% | 30.7% | 42.6% |
| $50k – $100k | 34.4% | 28.7% | 31.1% |
| $100k – $200k | 16.1% | 28.4% | 20.6% |
| Over $200k | 5.9% | 12.3% | 5.7% |
Demographics & statistics
25,717
Population
2,880
People per sq mi
42.1
Median age
$65,687
Median household income
$41,833
Per capita income
$197,400
Median home value
$969
Median monthly rent
65.1%
Home ownership
11.7%
Poverty rate
5.2%
Unemployment
7,959
Housing units
26.7%
Bachelor's or higher
Age distribution
Male
Female
709
Under 5
691
566
5–9
553
807
10–14
788
932
15–19
910
850
20–24
830
1,547
25–34
1,509
1,471
35–44
1,436
1,819
45–54
1,775
991
55–59
967
986
60–64
961
1,463
65–74
1,427
589
75–84
574
286
85+
280
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 5,227 | 20.3% |
| 18 and over | 20,490 | 79.7% |
| 65 and over | 4,619 | 18.0% |
| Median age | 42.1 years | |
Race & ethnicity
White
71.2%
Black or African American
9.2%
Two or more races
7.6%
Hispanic or Latino
7.1%
Other race
2.9%
Asian
1.8%
American Indian / Alaska Native
0.2%
| Group | Count | % |
|---|---|---|
| White | 19,698 | 71.2% |
| Black or African American | 2,553 | 9.2% |
| Two or more races | 2,104 | 7.6% |
| Hispanic or Latino | 1,962 | 7.1% |
| Other race | 803 | 2.9% |
| Asian | 488 | 1.8% |
| American Indian / Alaska Native | 58 | 0.2% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 43.6% | 30.7% | 42.6% |
| $50k – $100k | 34.4% | 28.7% | 31.1% |
| $100k – $200k | 16.1% | 28.4% | 20.6% |
| Over $200k | 5.9% | 12.3% | 5.7% |
Under $10k
4.0%
$10k–$15k
4.2%
$15k–$25k
7.8%
$25k–$35k
9.8%
$35k–$50k
14.3%
$50k–$75k
18.0%
$75k–$100k
12.5%
$100k–$150k
15.3%
$150k–$200k
5.6%
$200k+
8.5%
| Range | % of households |
|---|---|
| Under $10k | 4.0% |
| $10k–$15k | 4.2% |
| $15k–$25k | 7.8% |
| $25k–$35k | 9.8% |
| $35k–$50k | 14.3% |
| $50k–$75k | 18.0% |
| $75k–$100k | 12.5% |
| $100k–$150k | 15.3% |
| $150k–$200k | 5.6% |
| $200k+ | 8.5% |
| Median income | $65,687 |
Housing
Home values
Under $50k
3.6%
$50k–$100k
6.8%
$100k–$150k
13.5%
$150k–$200k
27.6%
$200k–$300k
26.6%
$300k–$500k
12.9%
$500k–$1M
6.6%
$1M+
2.4%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $197,400 |
| Median rent / month | $969 |
| Owner occupied | 65.1% |
| Renter occupied | 34.9% |
| Vacant | 4.8% |
| Single-family detached | 63.6% |
| Large apartment buildings | 9.4% |
| Mobile homes | 1.1% |
| Median rooms | 5.4 |
| Avg household size (owned) | 2.45 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.0% |
| 2010–2019 | 1.3% |
| 2000–2009 | 5.3% |
| 1990–1999 | 12.1% |
| 1980–1989 | 10.4% |
| 1970–1979 | 21.0% |
| 1960–1969 | 16.0% |
| 1950–1959 | 16.4% |
| 1940–1949 | 8.2% |
| 1939 or earlier | 9.2% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 1.6% |
| 1 bedroom | 16.2% |
| 2 bedrooms | 28.4% |
| 3 bedrooms | 41.1% |
| 4 bedrooms | 10.7% |
| 5+ bedrooms | 2.1% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 6.1% |
| 1 vehicle | 40.3% |
| 2 vehicles | 37.1% |
| 3 or more | 16.5% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 83.1% |
| Electricity | 14.2% |
| Propane / LP gas | 1.5% |
| Wood | 0.2% |
| No fuel used | 0.6% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 4,255 | 37.5% |
| Cohabiting couple | 809 | 7.1% |
| Male householder, no spouse | 2,924 | 25.8% |
| Female householder, no spouse | 3,361 | 29.6% |
| Households with children under 18 | 2,946 | 26.0% |
| Households with seniors (65+) | 3,363 | 29.6% |
| Average household size | 2.24 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 38.1% | 32.6% |
| Married | 42.8% | 40.5% |
| Separated | 0.7% | 1.5% |
| Widowed | 4.0% | 8.2% |
| Divorced | 14.4% | 17.2% |
Education
Less than 9th grade
2.2%
Some HS, no diploma
7.5%
HS graduate
29.2%
Some college, no degree
23.9%
Associate's degree
10.5%
Bachelor's degree
18.4%
Graduate / professional
8.3%
| Metric | % |
|---|---|
| HS diploma or higher | 90.3% |
| Bachelor's or higher | 26.7% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 318 | 6.5% |
| Kindergarten | 68 | 1.4% |
| Elementary school | 2,073 | 42.5% |
| High school | 1,545 | 31.7% |
| College / grad school | 872 | 17.9% |
Employment
Industry of employment
Education & healthcare
20.2%
Manufacturing
14.7%
Retail trade
13.6%
Arts, food & hospitality
11.8%
Finance & real estate
8.9%
Professional & management
8.8%
Construction
7.6%
Transportation & utilities
4.4%
Other services
4.1%
Public administration
2.8%
Wholesale trade
1.9%
Information
1.2%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 35.1% |
| Service | 21.6% |
| Sales & office | 20.5% |
| Natural resources & construction | 8.0% |
| Production & transportation | 14.8% |
Employment type
| Type | % |
|---|---|
| Private sector | 86.5% |
| Government | 9.3% |
| Self-employed | 4.0% |
| Unpaid family workers | 0.2% |
Commute
| Method | % |
|---|---|
| Drive alone | 81.4% |
| Carpool | 5.4% |
| Public transit | 0.3% |
| Walk | 0.5% |
| Work from home | 10.2% |
| Other means | 2.1% |
| Avg commute (minutes) | 24.7 |
Poverty
All people
11.7%
Under 18 years
18.0%
18 and over
10.1%
Married-couple families
5.3%
Female-led households
17.6%
Income support
| Source | % of households |
|---|---|
| Social Security | 33.1% |
| Retirement income | 22.5% |
| Supplemental Security | 6.1% |
| Cash public assistance | 1.4% |
| Food stamps / SNAP | 12.9% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 35.2% |
| High blood pressure | 31.3% |
| High cholesterol | 33.2% |
| Diabetes | 9.9% |
| Heart disease | 5.9% |
| Stroke | 2.9% |
| Asthma | 11.0% |
| Arthritis | 25.7% |
| Kidney disease | 2.7% |
| Pulmonary disease | 7.1% |
| Cancer | 6.4% |
| Behavior / access | % |
|---|---|
| Smoking | 18.4% |
| Binge drinking | 18.7% |
| No physical activity | 21.5% |
| Less than 7 hrs sleep | 35.1% |
| Depression | 19.8% |
| Fair or poor health | 14.7% |
| Poor mental health | 16.6% |
| Poor physical health | 10.4% |
| No health insurance | 10.3% |
| Visited doctor (checkup) | 73.2% |
| Visited dentist | 69.1% |
| Cholesterol screening | 91.1% |
| Teeth loss | 12.1% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 1,495 | 7.3% |
| Disability | % |
|---|---|
| Any disability | 14.9% |
| Under 18 | 5.1% |
| 18–64 years | 12.5% |
| 65 and over | 34.8% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 69.2% |
| Public insurance | 38.6% |
| No insurance | 8.3% |
| Uninsured under 19 | 5.9% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 24,317 | 94.6% |
| Spanish | 1,175 | 4.8% |
| Other Indo-European | 587 | 2.4% |
| Asian & Pacific Islander | 313 | 1.3% |
| Other languages | 266 | 1.1% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 23,765 | 92.4% |
| Born in same state | 23,513 | 91.4% |
| Born in different state | 20,332 | 79.1% |
| Foreign born | 252 | 1.0% |
| Naturalized citizen | 1,952 | 7.6% |
| Not a US citizen | 849 | 43.5% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 3,062 | 11.9% |
| French | 2,828 | 11% |
| Arab | 876 | 3.4% |
| German | 575 | 2.2% |
| Irish | 314 | 1.2% |
| Ancestry | Count | % |
|---|---|---|
| English | 252 | 1% |
| Polish | 203 | 0.8% |
| Norwegian | 45 | 0.2% |
| Dutch | 17 | 0.1% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 44.1% |
| Internet access | 95.4% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 48328
What city is ZIP code 48328 in?
ZIP code 48328 is primarily assigned to Waterford, Michigan.
What county is ZIP code 48328 in?
ZIP code 48328 falls within Oakland County, Michigan.
What is the population of ZIP code 48328?
ZIP code 48328 has an estimated population of 25,717 residents, with a density of 2,880 people per square mile.
What is the typical home value in ZIP code 48328?
The median home value in ZIP code 48328 is $197,400.
What is the median household income in ZIP code 48328?
The median household income in ZIP code 48328 is $65,687, below the national median of ~$75,000.
What timezone is ZIP code 48328 in?
ZIP code 48328 observes the EST timezone.