Saint Charles ZIP Code List — Saginaw County, MI

There is one unique ZIP code in Saint Charles, Michigan and it is 48655. Area code: 989.

ZIP codes

93.90

sq mi land

1.56

sq mi water

989

area code

Saint Charles, MI ZIP code map

About Saint Charles, MI

Saint Charles is a charming city located in the heart of Michigan, known for its friendly community and rich local history. Nestled within Saginaw County, it offers a blend of suburban comfort and rural tranquility. Saint Charles, with its unique character, is a place where residents take pride in their vibrant town and the lifestyle it affords.

Location & geography

Saint Charles is situated in the central part of Michigan, making it easily accessible from various nearby cities. Notable neighboring communities include Chesaning, which is approximately 6 miles to the southwest, and Saginaw, about 18 miles to the southeast. The city encompasses a land area of 93.90 square miles, with a small water area of 1.56 square miles, combining to create a diverse landscape of farms and natural beauty.

Community & economy

The character of Saint Charles is defined by its close-knit community and welcoming atmosphere, where neighbors often engage in local events and activities. The economy is bolstered by various industries including agriculture, manufacturing, and retail, providing ample opportunities for residents. Daily life in Saint Charles embodies Midwestern charm, with community gatherings, parks, and schools at the heart of the townspeople's experiences.

Transportation

Major highways serving Saint Charles include M-57 and M-13, providing convenient access both to local and regional destinations. The nearest major airport for commercial travel is MBS International Airport, located approximately 30 miles to the north. Public transportation options may be limited, but the city's road network supports easy travel by car.

History

Saint Charles was founded in the mid-19th century, developing around its agricultural roots and the establishment of key transportation routes. Historically, the city thrived on industries such as farming and small-scale manufacturing, contributing to its growth and sustainability. Notable events in the city’s history include the development of local festivals celebrating its agricultural heritage.

Did you know?

One surprising fact about Saint Charles is that it is home to the Saint Charles Historical Society, which preserves the local history and artifacts that tell the story of the area. Additionally, the city's quiet charm and low-key lifestyle attract families looking for a peaceful environment away from the hustle and bustle of larger urban areas.

ZIP codes for Saint Charles, MI (1)

ZIP code	City	County	Map
48655	Saint Charles	Saginaw	View map

Demographics & statistics

5,773

Population

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

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%
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	%
High blood pressure	34.3%
High cholesterol	36.0%
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	%
Binge drinking	20.8%
No physical activity	22.1%
Less than 7 hrs sleep	34.4%
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%
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

What is the ZIP code for Saint Charles, MI?

Saint Charles, MI has one ZIP code: 48655.

What is the main ZIP code for Saint Charles, MI?

The primary ZIP code for Saint Charles, MI is 48655. The city uses area code 989 for phone service.

What county is Saint Charles, MI in?

Saint Charles is located in Saginaw County, Michigan.

How many ZIP codes are in Saint Charles, MI?

Saint Charles, MI has 1 ZIP code.

What ZIP code covers downtown Saint Charles and the historic Main Street area?

Downtown Saint Charles, including the Main Street commercial district, is located in ZIP code 48655.

What is the ZIP code for Saint Charles residents in Saginaw County?

All residents of Saint Charles, Michigan in Saginaw County use the single ZIP code 48655 for mail delivery.