Saginaw ZIP Code List — Saginaw County, MI

There are 11 unique ZIP codes in Saginaw, Michigan. Area code: 989.

ZIP codes

208.96

sq mi land

10.24

sq mi water

989

area code

Saginaw, MI ZIP code map

About Saginaw, MI

Saginaw, Michigan, is a vibrant city located in the heart of Michigan's Saginaw County. Known for its rich history and diverse community, Saginaw offers a blend of urban amenities and natural beauty. This city is a significant cultural and economic hub in the region, drawing visitors and residents alike.

Location & geography

Saginaw is situated approximately 90 miles north of Detroit and about 30 miles west of Bay City. The city covers a total land area of 208.96 square miles, complemented by a water area of 10.24 square miles, providing picturesque views and recreational opportunities. The surrounding terrain features a mix of urban development and natural landscapes, enhancing its appeal.

Community & economy

The character of Saginaw is shaped by its diverse population and rich cultural heritage, making it a welcoming place for people from various backgrounds. The city's primary industries include manufacturing, healthcare, and education, contributing significantly to local employment. Daily life in Saginaw is vibrant, with numerous community events, parks, and recreational activities that foster a strong sense of belonging.

Transportation

Saginaw is easily accessible via major highways, including Interstate 75 and U.S. Route 10, facilitating travel to and from nearby cities. The nearest airport is MBS International Airport, located approximately 15 miles east, providing both domestic and limited international flights. Public transit options are available through local bus services, connecting residents to various parts of the city.

History

Saginaw was founded in the 19th century and grew rapidly due to its strategic location along the Saginaw River. Historically, the city thrived on industries such as lumber, manufacturing, and agriculture, shaping its economic landscape. Notable events include the establishment of the Saginaw Valley in the 1800s, which played a crucial role in the city's development.

Did you know?

A surprising fact about Saginaw is that it was once a major center for the cigar industry in the early 20th century. Additionally, the city is home to the Japanese Cultural Center, which reflects its commitment to cultural diversity and community engagement.

ZIP codes for Saginaw, MI (11)

ZIP code	City	County	Map
48601	Saginaw	Saginaw	View map
48602	Saginaw	Saginaw	View map
48603	Saginaw	Saginaw	View map
48604	Saginaw	Saginaw	View map
48605	Saginaw	Saginaw	View map
48606	Saginaw	Saginaw	View map
48607	Saginaw	Saginaw	View map
48608	Saginaw	Saginaw	View map
48609	Saginaw	Saginaw	View map
48638	Saginaw	Saginaw	View map
48663	Saginaw	Saginaw	View map

Demographics & statistics

126,138

Population

39.2

Median age

$51,940

Median household income

$30,792

Per capita income

$108,586

Median home value

$899

Median monthly rent

64.4%

Home ownership

21.2%

Poverty rate

7.9%

Unemployment

41,705

Housing units

24.1%

Bachelor's or higher

Age distribution

Male Female

3,715

Under 5

3,928

3,646

5–9

3,854

3,775

10–14

3,992

4,355

15–19

4,605

4,445

20–24

4,700

7,812

25–34

8,260

6,892

35–44

7,287

6,817

45–54

7,208

3,804

55–59

4,022

4,330

60–64

4,578

6,714

65–74

7,099

3,300

75–84

3,489

1,707

85+

1,804

← Male

Female →

Age summary

Group	Count	%
Under 18	27,432	20.7%
18 and over	98,706	79.3%
65 and over	24,113	18.8%
Median age	39.2 years

Race & ethnicity

White 59%

Black or African American 25.6%

Two or more races 6.1%

Hispanic or Latino 5.3%

Other race 2.1%

Asian 1.4%

American Indian / Alaska Native 0.4%

Group	Count	%
White	78,627	59%
Black or African American	34,154	25.6%
Two or more races	8,163	6.1%
Hispanic or Latino	7,059	5.3%
Other race	2,759	2.1%
Asian	1,886	1.4%
American Indian / Alaska Native	496	0.4%

Household income

Under $10k 7.3%

$10k–$15k 7.3%

$15k–$25k 9.8%

$25k–$35k 9.1%

$35k–$50k 15.2%

$50k–$75k 18.1%

$75k–$100k 12.0%

$100k–$150k 12.1%

$150k–$200k 4.2%

$200k+ 4.9%

Range	% of households
Under $10k	7.3%
$10k–$15k	7.3%
$15k–$25k	9.8%
$25k–$35k	9.1%
$35k–$50k	15.2%
$50k–$75k	18.1%
$75k–$100k	12.0%
$100k–$150k	12.1%
$150k–$200k	4.2%
$200k+	4.9%
Median income	$51,940

Housing

Home values

Under $50k 21.4%

$50k–$100k 27.5%

$100k–$150k 19.3%

$150k–$200k 14.9%

$200k–$300k 11.1%

$300k–$500k 4.8%

$500k–$1M 0.8%

$1M+ 0.2%

Housing overview

Metric	Value
Median home value	$108,586
Median rent / month	$899
Owner occupied	64.4%
Renter occupied	35.6%
Vacant	12.5%
Single-family detached	67.1%
Large apartment buildings	9.4%
Mobile homes	2.6%
Median rooms	5.6
Avg household size (owned)	2.47

Year built

Era	%
2020 or later	0.1%
2010–2019	1.9%
2000–2009	5.4%
1990–1999	7.4%
1980–1989	6.8%
1970–1979	17.8%
1960–1969	14.3%
1950–1959	17.4%
1940–1949	6.0%
1939 or earlier	22.9%

Bedrooms

Size	% of units
No bedroom (studio)	1.8%
1 bedroom	13.4%
2 bedrooms	23.7%
3 bedrooms	43.7%
4 bedrooms	13.5%
5+ bedrooms	3.9%

Vehicles per household

Vehicles	% of households
No vehicle	8.9%
1 vehicle	40.8%
2 vehicles	34.3%
3 or more	16.1%

Heating fuel

Fuel type	%
Utility gas	80.1%
Electricity	15.0%
Propane / LP gas	1.8%
Fuel oil	0.1%
Wood	0.5%
Solar	0.2%
No fuel used	1.0%

Households & families

Household type	Count	%
Married-couple family	19,175	35.1%
Cohabiting couple	4,376	7.3%
Male householder, no spouse	10,164	22.4%
Female householder, no spouse	19,096	35.1%
Households with children under 18	14,063	23.7%
Households with seniors (65+)	17,682	32.5%
Average household size	2.30

Marital status

Status	Male	Female
Never married	44.9%	38.6%
Married	40.1%	35.6%
Separated	1.1%	1.3%
Widowed	3.7%	10.1%
Divorced	10.2%	14.4%

Education

Less than 9th grade 2.5%

Some HS, no diploma 8.8%

HS graduate 30.7%

Some college, no degree 23.6%

Associate's degree 10.3%

Bachelor's degree 15.8%

Graduate / professional 8.3%

Metric	%
HS diploma or higher	88.7%
Bachelor's or higher	24.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	1,545	4.3%
Kindergarten	1,596	5.5%
Elementary school	11,650	36.0%
High school	6,721	24.0%
College / grad school	9,305	30.1%

Employment

Industry of employment

Education & healthcare 29.1%

Manufacturing 15.6%

Retail trade 11.1%

Arts, food & hospitality 10.5%

Professional & management 10.0%

Finance & real estate 4.7%

Transportation & utilities 4.4%

Construction 4.0%

Other services 4.0%

Public administration 3.7%

Information 1.2%

Wholesale trade 1.2%

Agriculture & mining 0.6%

Occupation

Category	%
Management, business & arts	34.0%
Service	22.8%
Sales & office	20.3%
Natural resources & construction	5.3%
Production & transportation	17.6%

Employment type

Type	%
Private sector	84.1%
Government	11.2%
Self-employed	4.3%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	79.6%
Carpool	9.6%
Public transit	1.0%
Walk	2.9%
Other means	0.7%
Avg commute (minutes)	19.8

Poverty

All people 21.2%

Under 18 years 28.0%

18 and over 19.4%

Married-couple families 5.0%

Female-led households 34.7%

Income support

Source	% of households
Social Security	37.5%
Retirement income	29.5%
Supplemental Security	7.9%
Cash public assistance	3.6%
Food stamps / SNAP	19.9%

Health indicators

Condition	%
High blood pressure	37.8%
High cholesterol	34.4%
Heart disease	7.6%
Stroke	4.2%
Asthma	12.0%
Arthritis	32.8%
Kidney disease	3.6%
Pulmonary disease	8.8%
Cancer	6.7%

Behavior / access	%
Binge drinking	18.4%
No physical activity	26.7%
Less than 7 hrs sleep	37.5%
Fair or poor health	19.6%
Poor mental health	17.6%
Poor physical health	12.9%
No health insurance	12.3%
Visited doctor (checkup)	76.3%
Visited dentist	61.7%
Cholesterol screening	90.2%
Teeth loss	16.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	6,893	6.6%

Disability	%
Any disability	17.6%
Under 18	6.8%
18–64 years	14.7%
65 and over	40.1%

Health insurance coverage

Type	%
Private insurance	62.8%
Public insurance	47.7%
Uninsured under 19	7.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	118,495	94.5%
Spanish	1,844	1.7%
Other Indo-European	1,230	1.1%
Asian & Pacific Islander	318	0.4%
Other languages	258	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	122,430	97.0%
Born in same state	121,829	96.6%
Born in different state	104,951	80.8%
Foreign born	601	0.4%
Naturalized citizen	3,708	3.0%
Not a US citizen	2,138	54.2%

Ancestry

Ancestry	Count	%
Italian	10,035	8%
French	8,025	6.4%
Arab	4,102	3.3%
German	1,464	1.2%
English	1,401	1.1%

Ancestry	Count	%
Irish	882	0.7%
Polish	411	0.3%
Norwegian	317	0.3%
Dutch	184	0.1%

Technology access

Metric	% of households
Computer access	41.2%
Internet access	91.5%

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

Frequently asked questions

What ZIP codes does Saginaw, MI have?

Saginaw, MI has 8 ZIP codes: 48601, 48602, 48603, 48604, 48607, 48609, 48638, 48663. Each ZIP code serves a distinct delivery area within the city and surrounding region.

What is the main ZIP code for Saginaw, MI?

The primary ZIP code for Saginaw, MI is 48601. The city uses area code 989 for phone service.

What county is Saginaw, MI in?

Saginaw is located in Saginaw County, Michigan.

How many ZIP codes are in Saginaw, MI?

Saginaw, MI has 8 ZIP codes.

What ZIP code covers downtown Saginaw and the Riverfront Park area?

Downtown Saginaw, including the Riverfront Park district along the Saginaw River, is primarily served by ZIP code 48601, which is the central business and civic heart of the city.

Which ZIP codes serve the Saginaw Valley State University area and surrounding neighborhoods?

The university campus and nearby residential neighborhoods are located in ZIP codes 48602 and 48603, which cover the south-central portions of Saginaw.