Oakley ZIP Code List — Saginaw County, MI

There is one unique ZIP code in Oakley, Michigan and it is 48649. Area code: 989.

ZIP codes

27.49

sq mi land

0.14

sq mi water

989

area code

Oakley, MI ZIP code map

About Oakley, MI

Oakley, Michigan, is a quaint and picturesque village located in Saginaw County. Nestled within the heart of the Great Lakes State, this small community is known for its friendly atmosphere and close-knit culture. With a single ZIP code of 48649, Oakley embodies the charm and warmth of rural Michigan living.

Location & geography

Oakley is situated approximately 15 miles southwest of Saginaw and about 25 miles northeast of the city of Flint. The area is primarily land, encompassing 27.49 square miles, with a small water area of 0.14 square miles contributing to its scenic views. The terrain features a mix of farmland and wooded areas, offering a peaceful and serene environment.

Community & economy

The character of Oakley is reflective of small-town America, with a strong sense of community among its residents. Local industries primarily revolve around agriculture and small businesses that serve the needs of its inhabitants. Daily life in Oakley often includes community gatherings, local events, and enjoying the natural beauty of the surrounding landscape.

Transportation

Oakley is accessible via a network of local roads and is situated near major highways, including M-13 and M-57, which facilitate travel to nearby cities. The nearest named airport is the Saginaw County H. W. Brown Airport, located roughly 15 miles to the northeast. Public transportation options are limited, but residents often rely on personal vehicles for commuting.

History

Oakley was founded in the late 19th century and has a rich history tied to the agricultural development of the region. Key industries have historically included farming and small-scale manufacturing, contributing to the village’s economic foundation. Notable events in the area are often centered around community festivals celebrating local heritage and seasonal changes.

Did you know?

One surprising fact about Oakley is that it has a rich history tied to the lumber industry, which played a critical role in its early development. Additionally, the village retains a delightful rural charm that attracts visitors looking for a peaceful retreat.

ZIP codes for Oakley, MI (1)

ZIP code	City	County	Map
48649	Oakley	Saginaw	View map

Demographics & statistics

1,309

Population

55.0

Median age

$63,587

Median household income

$33,709

Per capita income

$153,100

Median home value

$769

Median monthly rent

93.8%

Home ownership

8.8%

Poverty rate

5.5%

Unemployment

587

Housing units

14.1%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	177	13.5%
18 and over	1,132	86.5%
65 and over	307	23.5%
Median age	55.0 years

Race & ethnicity

White 93.7%

Hispanic or Latino 2.7%

Two or more races 1.8%

Other race 1.2%

Black or African American 0.4%

Asian 0.1%

American Indian / Alaska Native 0.1%

Group	Count	%
White	1,261	93.7%
Hispanic or Latino	37	2.7%
Two or more races	24	1.8%
Other race	16	1.2%
Black or African American	5	0.4%
Asian	2	0.1%
American Indian / Alaska Native	1	0.1%

Household income

Under $10k 3.4%

$10k–$15k 0.9%

$15k–$25k 9.3%

$25k–$35k 5.5%

$35k–$50k 17.8%

$50k–$75k 26.7%

$75k–$100k 20.3%

$100k–$150k 10.5%

$150k–$200k 3.4%

$200k+ 2.1%

Range	% of households
Under $10k	3.4%
$10k–$15k	0.9%
$15k–$25k	9.3%
$25k–$35k	5.5%
$35k–$50k	17.8%
$50k–$75k	26.7%
$75k–$100k	20.3%
$100k–$150k	10.5%
$150k–$200k	3.4%
$200k+	2.1%
Median income	$63,587

Housing

Home values

Under $50k 12.9%

$50k–$100k 16.5%

$100k–$150k 18.2%

$150k–$200k 22.4%

$200k–$300k 19.7%

$300k–$500k 5.5%

$500k–$1M 2.6%

$1M+ 2.2%

Housing overview

Metric	Value
Median home value	$153,100
Median rent / month	$769
Owner occupied	93.8%
Renter occupied	6.2%
Vacant	6.9%
Single-family detached	90.2%
Large apartment buildings	0.0%
Mobile homes	7.9%
Median rooms	6.9
Avg household size (owned)	2.25

Year built

Era	%
2020 or later	0.0%
2010–2019	3.4%
2000–2009	6.3%
1990–1999	15.1%
1980–1989	12.5%
1970–1979	10.0%
1960–1969	11.1%
1950–1959	11.2%
1940–1949	10.3%
1939 or earlier	20.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.2%
1 bedroom	0.8%
2 bedrooms	13.3%
3 bedrooms	56.0%
4 bedrooms	27.9%
5+ bedrooms	1.8%

Vehicles per household

Vehicles	% of households
No vehicle	3.6%
1 vehicle	26.2%
2 vehicles	46.4%
3 or more	23.8%

Heating fuel

Fuel type	%
Utility gas	25.0%
Electricity	4.0%
Propane / LP gas	54.3%
Fuel oil	6.0%
Wood	8.8%
No fuel used	1.0%

Households & families

Household type	Count	%
Married-couple family	351	60.5%
Cohabiting couple	22	3.8%
Male householder, no spouse	85	14.7%
Female householder, no spouse	122	21.0%
Households with children under 18	100	17.2%
Households with seniors (65+)	222	38.3%
Average household size	2.26

Marital status

Status	Male	Female
Never married	26.0%	22.3%
Married	62.9%	56.0%
Separated	0.0%	4.0%
Widowed	2.6%	11.4%
Divorced	8.4%	6.2%

Education

Less than 9th grade 4.3%

Some HS, no diploma 3.3%

HS graduate 44.6%

Some college, no degree 20.4%

Associate's degree 13.3%

Bachelor's degree 8.5%

Graduate / professional 5.6%

Metric	%
HS diploma or higher	92.3%
Bachelor's or higher	14.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	32	13.6%
Kindergarten	4	1.7%
Elementary school	76	32.3%
High school	27	11.5%
College / grad school	96	40.9%

Employment

Industry of employment

Retail trade 17.8%

Education & healthcare 15.9%

Manufacturing 14.4%

Agriculture & mining 12.2%

Professional & management 10.1%

Transportation & utilities 6.5%

Construction 5.9%

Other services 5.2%

Wholesale trade 4.7%

Public administration 2.9%

Arts, food & hospitality 2.0%

Information 1.3%

Finance & real estate 1.0%

Occupation

Category	%
Management, business & arts	24.0%
Service	12.1%
Sales & office	22.7%
Natural resources & construction	14.9%
Production & transportation	26.3%

Employment type

Type	%
Private sector	83.4%
Government	6.2%
Self-employed	10.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	76.0%
Carpool	12.1%
Public transit	0.0%
Walk	0.0%
Other means	1.4%
Avg commute (minutes)	29.3

Poverty

All people 8.8%

Under 18 years 19.2%

18 and over 7.2%

Married-couple families 6.8%

Female-led households 6.4%

Income support

Source	% of households
Social Security	50.0%
Retirement income	29.8%
Supplemental Security	7.2%
Cash public assistance	0.9%
Food stamps / SNAP	7.9%

Health indicators

Condition	%
High blood pressure	37.0%
High cholesterol	37.2%
Heart disease	8.2%
Stroke	3.9%
Asthma	11.4%
Arthritis	35.1%
Kidney disease	3.4%
Pulmonary disease	10.1%
Cancer	7.4%

Behavior / access	%
Binge drinking	20.0%
No physical activity	25.6%
Less than 7 hrs sleep	35.5%
Fair or poor health	18.1%
Poor mental health	17.5%
Poor physical health	13.2%
No health insurance	11.0%
Visited doctor (checkup)	74.4%
Visited dentist	63.2%
Cholesterol screening	90.4%
Teeth loss	16.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	90	8.0%

Disability	%
Any disability	19.8%
Under 18	4.0%
18–64 years	13.3%
65 and over	46.3%

Health insurance coverage

Type	%
Private insurance	83.9%
Public insurance	42.2%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,249	95.4%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,309	100.0%
Born in same state	1,308	99.9%
Born in different state	1,222	93.4%
Foreign born	1	0.1%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Italian	136	10.4%
French	121	9.2%
Arab	65	5%
English	19	1.5%

Ancestry	Count	%
Irish	15	1.1%
German	7	0.5%
Polish	2	0.2%

Technology access

Metric	% of households
Computer access	44.3%
Internet access	83.1%

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

Frequently asked questions

What is the ZIP code for Oakley, MI?

Oakley, MI has one ZIP code: 48649.

What is the main ZIP code for Oakley, MI?

The primary ZIP code for Oakley, MI is 48649. The city uses area code 989 for phone service.

What county is Oakley, MI in?

Oakley is located in Saginaw County, Michigan.

How many ZIP codes are in Oakley, MI?

Oakley, MI has 1 ZIP code.

What is the ZIP code for the downtown Oakley area in Saginaw County, Michigan?

The downtown Oakley area is located in ZIP code 48649, which covers the central portion of this small village in Saginaw County.

What ZIP code should I use when mailing correspondence to businesses in Oakley, Michigan?

All mail and correspondence for Oakley, Michigan should use ZIP code 48649, as this is the sole ZIP code serving the entire village.