Houses and condos: 6,535 Renter-occupied apartments: 1,966
% of renters here:
33%
State:
27%
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).
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Real estate property taxes paid for housing units in 2022:
This zip code:
1.4% ($2,344)
Michigan:
1.2% ($2,746)
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%)
Estimated median house/condo value in 2022: $169,276
48638:
$169,276
Michigan:
$224,400
According to our research of Michigan and other state lists, there were 28 registered sex offenders living in 48638 zip code as of July 03, 2024. The ratio of all residents to sex offenders in zip code 48638 is 453 to 1. The ratio of registered sex offenders to all residents in this zip code is lower than the state average.
Median resident age:
This zip code:
46.4 years
Michigan median age:
40.3 years
Average household size:
This zip code:
2.0 people
Michigan:
2.4 people
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)
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:
This zip code:
11.4%
Whole state:
13.4%
Residents with income below 50% of the poverty level in 2022:
This zip code:
6.3%
Whole state:
6.9%
Median number of rooms in houses and condos:
Here:
6.5
State:
6.5
Median number of rooms in apartments:
Here:
3.9
State:
4.3
Notable locations in this zip code not listed on our city pages
Notable locations in zip code 48638: Hirsch Frumeth Brenda Campground (A), Saginaw Country Club (B), Saginaw Charter Township Fire Department 3 (C). Display/hide their locations on the map
Churches in zip code 48638 include: Saint Peter and Paul Church (A), Good Shepherd Lutheran Church (B), Saint John's Evangelical Lutheran Church (C), Church of Jesus Christ of Latter Day Saints (D), Saint Luke Evangelical Lutheran Church (E), First United Methodist Church (F), New Life Church of the Nazarene (G), Saint Matthews Episcopal Church (H), Church of Jesus Christ of Latter Day Saints (I). Display/hide their locations on the map
Cemeteries: Holy Cross Lutheran Church Cemetery (1), Camin Cemetery (2), Roselawn Memorial Garden (3), Saint Andrew Cemetery (4), Oakwood Cemetery (5). Display/hide their locations on the map
Parks in zip code 48638 include: Zauel Park (1), Sandhill Park (2), Leonard Boers III Riverfront Park (3), West Michigan Park (4), Saginaw Township Playscape (5), Burkhaven Park (6). Display/hide their locations on the map
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).
Foreign born population: 276 (2.3%) (58.5% of them are naturalized citizens)
This zip code:
2.3%
Whole state:
6.9%
14%Malaysia
6%Hungary
5%Ethiopia
5%Laos
5%Honduras
5%Bhutan
3%Sweden
22%German
5%English
5%American
4%Irish
4%Polish
3%European
2%Italian
Year of entry for the foreign-born population
1032010 or later
252000 to 2009
211990 to 1999
152Before 1990
Housing units lacking complete kitchen facilities: 0.6%
80.2%Utility gas
15.1%Electricity
2.8%No fuel used
0.9%Other fuel
0.5%Bottled, tank, or LP gas
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
Here:
29.5%
Michigan:
12.4%
Students in private schools in grades 9 to 12 (high school): 72
Here:
11.2%
Michigan:
9.8%
Students in private undergraduate colleges: 96
Here:
16.0%
Michigan:
14.9%
Occupation by median earnings in the past 12 months ($)
81,202Health diagnosing and treating practitioners and other technical occupations
74,604Management occupations
70,625Architecture and engineering occupations
67,924Community and social service occupations
67,729Computer and mathematical occupations
57,256Law enforcement workers including supervisors
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)
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)
Fatal accident statistics in 2014:
Fatal accident count: 1
Vehicles involved in fatal accidents: 1
Fatal accidents caused by drunken drivers: 1
Fatalities: 1
Persons involved in fatal accidents: 3
Pedestrians involved in fatal accidents: 0
Fatal accident statistics in 2013:
Fatal accident count: 1
Vehicles involved in fatal accidents: 3
Fatal accidents caused by drunken drivers: 1
Fatalities: 2
Persons involved in fatal accidents: 5
Pedestrians involved in fatal accidents: 0
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