48638 Zip Code (Saginaw, MI) Detailed Profile

Estimated zip code population in 2022: 12,128

Houses and condos: 6,535
Renter-occupied apartments: 1,966
March 2022 cost of living index in zip code 48638: 81.4 (low, U.S. average is 100)

Land area: 6.6 sq. mi.
Water area: 0.2 sq. mi.

Population density: 1,836 people per square mile

(low).

Real estate property taxes paid for housing units in 2022:
Median real estate property taxes paid for housing units with mortgages in 2022: $2,270 (1.4%)
Median real estate property taxes paid for housing units with no mortgage in 2022: $2,477 (1.3%)

For population 25 years and over in 48638:

• High school or higher: 93.5%
• Bachelor's degree or higher: 34.9%
• Graduate or professional degree: 11.5%
• Unemployed: 2.3%
• Mean travel time to work (commute): 20.9 minutes

For population 15 years and over in 48638:

• Never married: 32.7%
• Now married: 47.0%
• Separated: 0.2%
• Widowed: 7.4%
• Divorced: 12.7%

100% urban population.

Averages for the 2020 tax year for zip code 48638, filed in 2021:

Average Adjusted Gross Income (AGI) in 2020: $57,520 (Individual Income Tax Returns)

Here:	$57,520
State:	$68,945

Salary/wage: $48,499 (reported on 76.2% of returns)

Here:	$48,499
State:	$57,142

(% of AGI for various income ranges: 1001.1% for AGIs below $25k, 3155.5% for AGIs $25k-50k, 5888.9% for AGIs $50k-75k, 8652.7% for AGIs $75k-100k, 15118.5% for AGIs $100k-200k, 84092.5% for AGIs over 200k)

Taxable interest for individuals: $1,343 (reported on 34.4% of returns)

This zip code:	$1,343
Michigan:	$1,630

(% of AGI for various income ranges: 20.3% for AGIs below $25k, 22.0% for AGIs $25k-50k, 61.1% for AGIs $50k-75k, 91.8% for AGIs $75k-100k, 201.5% for AGIs $100k-200k, 1625.0% for AGIs over 200k)

Ordinary dividends: $5,769 (reported on 18.6% of returns)

Here:	$5,769
State:	$6,972

(% of AGI for various income ranges: 26.0% for AGIs below $25k, 40.6% for AGIs $25k-50k, 84.2% for AGIs $50k-75k, 189.8% for AGIs $75k-100k, 365.7% for AGIs $100k-200k, 7542.5% for AGIs over 200k)

Net capital gain/loss in AGI: +$9,214 (reported on 16.5% of returns)

Here:	+$9,214
State:	+$20,064

(% of AGI for various income ranges: 3.8% for AGIs below $25k, 16.5% for AGIs $25k-50k, 71.8% for AGIs $50k-75k, 190.0% for AGIs $75k-100k, 585.0% for AGIs $100k-200k, 14430.0% for AGIs over 200k)

Profit/loss from business: +$13,180 (reported on 12.2% of returns)

Here:	+$13,180
State:	+$11,172

(% of AGI for various income ranges: 40.1% for AGIs below $25k, 46.8% for AGIs $25k-50k, 146.6% for AGIs $50k-75k, 203.0% for AGIs $75k-100k, 723.9% for AGIs $100k-200k, 10120.0% for AGIs over 200k)

Taxable individual retirement arrangement distribution: $17,077 (reported on 11.7% of returns)

48638:	$17,077
Michigan:	$19,803

(% of AGI for various income ranges: 68.1% for AGIs below $25k, 109.8% for AGIs $25k-50k, 287.0% for AGIs $50k-75k, 462.5% for AGIs $75k-100k, 1074.6% for AGIs $100k-200k, 3865.0% for AGIs over 200k)

Self-employed (Keogh) retirement plans: $30,700 (reported on 0.3% of returns)

48638:	$30,700
Michigan:	$25,132

(% of AGI for various income ranges: 133.5% for AGIs $100k-200k)

Total itemized deductions: $32,172 (reported on 3.8% of returns)

Here:	$32,172
State:	$34,117

(% of AGI for various income ranges: 94.6% for AGIs $25k-50k, 153.9% for AGIs $50k-75k, 249.1% for AGIs $75k-100k, 479.1% for AGIs $100k-200k, 5645.0% for AGIs over 200k)

Charity contributions: $13,616 (reported on 2.9% of returns)

Here:	$13,616
State:	$13,548

(% of AGI for various income ranges: 16.2% for AGIs $25k-50k, 32.2% for AGIs $50k-75k, 87.7% for AGIs $75k-100k, 151.7% for AGIs $100k-200k, 2582.5% for AGIs over 200k)

Taxes paid: $6,592 (reported on 3.6% of returns)

48638:	$6,592
State:	$7,972

(% of AGI for various income ranges: 10.1% for AGIs $25k-50k, 25.0% for AGIs $50k-75k, 48.2% for AGIs $75k-100k, 122.8% for AGIs $100k-200k, 1185.0% for AGIs over 200k)

Earned income credit: $2,165 (reported on 13.2% of returns)

Here:	$2,165
State:	$2,251

(% of AGI for various income ranges: 69.1% for AGIs below $25k, 57.5% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2020 taxes: 94.4%

Here:	94%
State:	93%

(% for various income ranges: 94.7% for AGIs below $25k, 94.8% for AGIs $25k-50k, 94.3% for AGIs $50k-75k, 92.3% for AGIs $75k-100k, 93.8% for AGIs $100k-200k, 100.0% for AGIs over 200k)

Averages for the 2012 tax year for zip code 48638, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $52,072 (Individual Income Tax Returns)

Here:	$52,072
State:	$55,609

Salary/wage: $42,295 (reported on 79.1% of returns)

Here:	$42,295
State:	$46,782

(% of AGI for various income ranges: 64.5% for AGIs below $25k, 68.0% for AGIs $25k-50k, 69.0% for AGIs $50k-75k, 66.7% for AGIs $75k-100k, 69.5% for AGIs $100k-200k, 46.8% for AGIs over 200k)

Taxable interest for individuals: $1,204 (reported on 42.7% of returns)

This zip code:	$1,204
Michigan:	$1,491

(% of AGI for various income ranges: 1.5% for AGIs below $25k, 1.1% for AGIs $25k-50k, 0.9% for AGIs $50k-75k, 1.0% for AGIs $75k-100k, 1.0% for AGIs $100k-200k, 0.7% for AGIs over 200k)

Ordinary dividends: $5,974 (reported on 23.7% of returns)

Here:	$5,974
State:	$6,225

(% of AGI for various income ranges: 2.3% for AGIs below $25k, 1.4% for AGIs $25k-50k, 2.1% for AGIs $50k-75k, 1.6% for AGIs $75k-100k, 2.3% for AGIs $100k-200k, 6.2% for AGIs over 200k)

Net capital gain/loss in AGI: +$4,025 (reported on 18.6% of returns)

Here:	+$4,025
State:	+$9,326

(% of AGI for various income ranges: 0.1% for AGIs $75k-100k, 1.2% for AGIs $100k-200k, 6.9% for AGIs over 200k)

Profit/loss from business: +$13,750 (reported on 12.2% of returns)

Here:	+$13,750
State:	+$11,523

(% of AGI for various income ranges: 4.1% for AGIs below $25k, 2.0% for AGIs $25k-50k, 1.0% for AGIs $50k-75k, 2.0% for AGIs $75k-100k, 3.0% for AGIs $100k-200k, 7.3% for AGIs over 200k)

Taxable individual retirement arrangement distribution: $14,310 (reported on 15.0% of returns)

48638:	$14,310
Michigan:	$15,298

(% of AGI for various income ranges: 4.3% for AGIs below $25k, 3.6% for AGIs $25k-50k, 3.7% for AGIs $50k-75k, 5.1% for AGIs $75k-100k, 4.8% for AGIs $100k-200k, 3.1% for AGIs over 200k)

Self-employment retirement plans: $30,550 (reported on 0.6% of returns)

48638:	$30,550
Michigan:	$20,834

Total itemized deductions: $19,480 (19% of AGI, reported on 28.5% of returns)

Here:	$19,480
State:	$21,628

Here:	19.2% of AGI
State:	18.4% of AGI

(% of AGI for various income ranges: 8.4% for AGIs below $25k, 8.8% for AGIs $25k-50k, 10.9% for AGIs $50k-75k, 10.7% for AGIs $75k-100k, 11.9% for AGIs $100k-200k, 11.6% for AGIs over 200k)

Charity contributions: $4,274 (reported on 24.4% of returns)

Here:	$4,274
State:	$4,225

(% of AGI for various income ranges: 0.9% for AGIs below $25k, 1.3% for AGIs $25k-50k, 2.1% for AGIs $50k-75k, 1.8% for AGIs $75k-100k, 2.5% for AGIs $100k-200k, 2.6% for AGIs over 200k)

Taxes paid: $6,909 (reported on 28.4% of returns)

48638:	$6,909
State:	$8,327

(% of AGI for various income ranges: 1.6% for AGIs below $25k, 2.1% for AGIs $25k-50k, 3.2% for AGIs $50k-75k, 3.6% for AGIs $75k-100k, 4.7% for AGIs $100k-200k, 5.7% for AGIs over 200k)

Earned income credit: $2,065 (reported on 14.8% of returns)

Here:	$2,065
State:	$2,306

(% of AGI for various income ranges: 4.9% for AGIs below $25k, 0.8% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2012 taxes: 59.4%

Here:	59%
State:	57%

(% for various income ranges: 53.8% for AGIs below $25k, 58.5% for AGIs $25k-50k, 61.2% for AGIs $50k-75k, 66.7% for AGIs $75k-100k, 68.8% for AGIs $100k-200k, 92.9% for AGIs over 200k)

Averages for the 2004 tax year for zip code 48638, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $36,674 (Individual Income Tax Returns)

Here:	$36,674
State:	$48,204

Salary/wage: $29,978 (reported on 84.9% of returns)

Here:	$29,978
State:	$42,791

(% of AGI for various income ranges: 89.8% for AGIs below $10k, 78.4% for AGIs $10k-25k, 82.2% for AGIs $25k-50k, 84.4% for AGIs $50k-75k, 75.1% for AGIs $75k-100k, 50.1% for AGIs over 100k)

Taxable interest for individuals: $1,095 (reported on 37.5% of returns)

This zip code:	$1,095
Michigan:	$1,725

(% of AGI for various income ranges: 1.2% for AGIs below $10k, 3.2% for AGIs $10k-25k, 0.4% for AGIs $25k-50k, 0.3% for AGIs $50k-75k, 0.3% for AGIs $75k-100k, 1.4% for AGIs over 100k)

Taxable dividends: $1,871 (reported on 16.0% of returns)

Here:	$1,871
State:	$3,420

(% of AGI for various income ranges: 1.3% for AGIs below $10k, 2.0% for AGIs $10k-25k, 0.5% for AGIs $50k-75k, 0.4% for AGIs $75k-100k, 1.0% for AGIs over 100k)

Net capital gain/loss: +$17 (reported on 11.1% of returns)

Here:	+$17
State:	+$8,532

(% of AGI for various income ranges: -0.3% for AGIs $10k-25k, -0.1% for AGIs $50k-75k, 0.2% for AGIs over 100k)

Profit/loss from business: +$25,392 (reported on 14.0% of returns)

Here:	+$25,392
State:	+$9,547

(% of AGI for various income ranges: 5.9% for AGIs below $10k, 1.6% for AGIs $10k-25k, 9.2% for AGIs $50k-75k, 67.5% for AGIs $75k-100k)

Total itemized deductions: $19,009 (20% of AGI, reported on 21.5% of returns)

Here:	$19,009
State:	$18,509

Here:	19.5% of AGI
State:	20.7% of AGI

(% of AGI for various income ranges: 9.9% for AGIs $10k-25k, 9.6% for AGIs $25k-50k, 14.7% for AGIs $50k-75k, 13.3% for AGIs $75k-100k, 11.1% for AGIs over 100k)

Charity contributions deductions: $3,575 (4% of AGI, reported on 20.0% of returns)

Here:	$3,575
State:	$3,365

Here:	3.5% of AGI
State:	3.6% of AGI

(% of AGI for various income ranges: 1.6% for AGIs $10k-25k, 1.4% for AGIs $25k-50k, 1.8% for AGIs $50k-75k, 1.8% for AGIs $75k-100k, 2.6% for AGIs over 100k)

Total tax: $7,268 (reported on 68.9% of returns)

48638:	$7,268
State:	$7,691

(% of AGI for various income ranges: 2.0% for AGIs below $10k, 4.6% for AGIs $10k-25k, 6.8% for AGIs $25k-50k, 10.8% for AGIs $50k-75k, 12.2% for AGIs $75k-100k, 22.6% for AGIs over 100k)

Earned income credit: $1,736 (reported on 17.2% of returns)

Here:	$1,736
State:	$1,737

Percentage of individuals using paid preparers for their 2004 taxes: 55.1%

Here:	55%
State:	60%

(% for various income ranges: 38.5% for AGIs below $10k, 55.6% for AGIs $10k-25k, 71.0% for AGIs $25k-50k, 56.9% for AGIs $50k-75k, 64.0% for AGIs $75k-100k, 82.4% for AGIs over 100k)

Nearest zip codes: 48603, 48602, 48609, 48607, 48604, 48724.
Saginaw Zip Code Map

Likely homosexual households (counted as self-reported same-sex unmarried-partner households)

• Lesbian couples: 0.0% of all households
• Gay men: 0.4% of all households

Household received Food Stamps/SNAP in the past 12 months: 754
Household did not receive Food Stamps/SNAP in the past 12 months: 5,261

Women who had a birth in the past 12 months: 117 (42 now married, 72 unmarried)
Women who did not have a birth in the past 12 months: 2,525 (966 now married, 1,559 unmarried)

Housing units in zip code 48638 with a mortgage: 2,502 (53 second mortgage, 40 both second mortgage and home equity loan)
Houses without a mortgage: 20

Median monthly owner costs for units with a mortgage: $1,159
Median monthly owner costs for units without a mortgage: $579

Residents with income below the poverty level in 2022:
Residents with income below 50% of the poverty level in 2022:

• Zip code 48638 household income distribution in 2022

• 415Less than $10,000
• 258$10,000 to $14,999
• 186$15,000 to $19,999
• 376$20,000 to $24,999
• 103$25,000 to $29,999
• 231$30,000 to $34,999
• 218$35,000 to $39,999
• 436$40,000 to $44,999
• 354$45,000 to $49,999
• 460$50,000 to $59,999
• 640$60,000 to $74,999
• 973$75,000 to $99,999
• 432$100,000 to $124,999
• 304$125,000 to $149,999
• 178$150,000 to $199,999
• 478$200,000 or more

• Estimate of home value of owner-occupied houses/condos in 2022 in zip code 48638

• 11Less than $10,000
• 52$10,000 to $14,999
• 36$15,000 to $19,999
• 31$25,000 to $29,999
• 33$35,000 to $39,999
• 34$40,000 to $49,999
• 59$50,000 to $59,999
• 43$60,000 to $69,999
• 183$70,000 to $79,999
• 63$80,000 to $89,999
• 129$90,000 to $99,999
• 382$100,000 to $124,999
• 549$125,000 to $149,999
• 732$150,000 to $174,999
• 602$175,000 to $199,999
• 220$200,000 to $249,999
• 275$250,000 to $299,999
• 107$300,000 to $399,999
• 42$400,000 to $499,999
• 12$750,000 to $999,999
• 25$1,000,000 to $1,499,999

• Rent paid by renters in 2022 in zip code 48638

• 6Less than $100
• 31$100 to $149
• 21$150 to $199
• 73$200 to $249
• 117$250 to $299
• 43$300 to $349
• 8$350 to $399
• 101$400 to $449
• 47$450 to $499
• 45$500 to $549
• 51$550 to $599
• 69$600 to $649
• 88$650 to $699
• 126$700 to $749
• 182$750 to $799
• 501$800 to $899
• 92$900 to $999
• 88$1,000 to $1,249
• 149$1,250 to $1,499
• 52No cash rent

Median gross rent in 2022: $880.

Median price asked for vacant for-sale houses and condos in 2022: $139,936.

Estimated median house or condo value in 2022: $169,276 Lower value quartile - upper value quartile: $124,392 - $207,890

Mean price in 2022:

Detached houses: $180,895

Here:	$180,895
State:	$280,038

Townhouses or other attached units: $367,246

Here:	$367,246
State:	$239,520

In 5-or-more-unit structures: $99,417

Here:	$99,417
State:	$192,733

Housing units in structures:

• One, detached: 4,245
• One, attached: 239
• Two: 25
• 3 or 4: 202
• 5 to 9: 593
• 10 to 19: 582
• 20 to 49: 347
• 50 or more: 286
• Mobile homes: 5

Unemployment: 2.3%

• Means of transportation to work in zip code 48638

• 80.8%4,675Drove a car alone
• 8.9%517Carpooled
• 0.6%35Walked
• 0.2%14Other means
• 7.7%443Worked at home

• Travel time to work (commute) in zip code 48638

• 308Less than 5 minutes
• 6705 to 9 minutes
• 1,26710 to 14 minutes
• 1,11315 to 19 minutes
• 68820 to 24 minutes
• 12225 to 29 minutes
• 37030 to 34 minutes
• 9035 to 39 minutes
• 3140 to 44 minutes
• 24845 to 59 minutes
• 19060 to 89 minutes
• 14490 or more minutes

Percentage of zip code residents living and working in this county: 88.8%

Household type by relationship:

Households: 12,128

• Male householders: 2,641 (1,018 living alone), Female householders: 3,389 (1,563 living alone)

• 2,419 spouses (2,411 opposite-sex spouses), 491 unmarried partners, (450 opposite-sex unmarried partners), 2,764 children (2,661 natural, 8 adopted, 96 stepchildren), 196 grandchildren, 15 brothers or sisters, 40 parents, 7 foster children, 62 other relatives, 168 non-relatives

• In group quarters: 18 (-1 institutionalized population)

Size of family households: 1,593 2-persons, 796 3-persons, 355 4-persons, 260 5-persons, 63 6-persons, 27 7-or-more-persons

Size of nonfamily households: 2,583 1-person, 350 2-persons, 11 3-persons

1,258 married couples with children.
636 single-parent households (90 men, 546 women).

96.7% of residents of 48638 zip code speak English at home.
1.8% of residents speak Spanish at home (23% very well, 56% well, 21% not well).
0.7% of residents speak other Indo-European language at home (92% very well, 8% well).
0.9% of residents speak Asian or Pacific Island language at home (57% very well, 43% well).
0.3% of residents speak other language at home (100% very well).

Housing units lacking complete kitchen facilities: 0.6%

Place of birth for U.S.-born residents:

• This state: 9,973
• Northeast: 441
• Midwest: 545
• South: 709
• West: 142

89% of the 48638 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 30% moved from this county.
   Out of people who lived in different houses, 46% moved from different county within same state.
   Out of people who lived in different houses, 23% moved from different state.
   Out of people who lived in different houses, 2% moved from abroad.

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 255
Students in private schools in grades 9 to 12 (high school): 72 Students in private undergraduate colleges: 96

Top industries in this zip code by the number of employees in 2005:

• Health Care and Social Assistance: Home Health Care Services (100-249 employees: 1 establishment, 1-4 employees: 1 establishment)
• Other Services (except Public Administration): Religious Organizations (20-49: 1, 10-19: 2, 5-9: 1, 1-4: 2)
• Administrative and Support and Waste Management and Remediation Services: Professional Employer Organizations (50-99: 1)
• Accommodation and Food Services: Full-Service Restaurants (20-49: 2)
• Professional, Scientific, and Technical Services: Payroll Services (20-49: 1, 10-19: 1, 5-9: 1)
• Health Care and Social Assistance: Offices of Physicians (except Mental Health Specialists) (10-19: 1, 5-9: 3, 1-4: 8)
• Professional, Scientific, and Technical Services: Computer Systems Design Services (20-49: 1, 5-9: 1)
• Professional, Scientific, and Technical Services: Offices of Certified Public Accountants (5-9: 2, 1-4: 5)
• Other Services (except Public Administration): All Other Personal Services (10-19: 1, 5-9: 1)

2005 - 2018 National Fire Incident Reporting System (NFIRS) incidents

According to the data from the years 2005 - 2018 the average number of fire incidents per year is 26. The highest number of fires - 36 took place in 2016, and the least - 12 in 2005. The data has a growing trend.
When looking into fire subcategories, the most incidents belonged to: Structure Fires (55.4%), and Outside Fires (28.0%).


• Fire incident types reported to NFIRS in Zip Code 48638
• 20055.4%Structure Fires
• 10128.0%Outside Fires
• 4713.0%Mobile Property/Vehicle Fires
• 133.6%Other

See full 2006 National Fire Incident Reporting System statistics for zip code 48638, Michigan

Most common first names in zip code 48638 among deceased individuals
Name	Count	Lived (average)
Robert	19	77.8 years
William	12	79.9 years
George	11	78.0 years
Helen	10	83.0 years
John	10	77.0 years
Mary	9	81.4 years
Donald	9	78.2 years
Ruth	8	90.3 years
Margaret	7	80.7 years
Betty	7	81.7 years

Most common last names in zip code 48638 among deceased individuals
Last name	Count	Lived (average)
Davis	5	86.8 years
Miller	5	84.4 years
Brown	4	76.0 years
Meyer	4	88.7 years
Bell	4	90.0 years
Smith	4	89.0 years
Allen	3	71.7 years
Jones	3	85.7 years
Murphy	3	91.0 years
Schultz	3	85.3 years

Businesses in zip code 48638
Name	Count		Name	Count
7-Eleven	2		H&R Block	2
Blockbuster	1		Kroger	1
Curves	1		UPS	4
FedEx	1		Walmart	1
GNC	1