Population & age
- Total population
- 27,514
- Median age
- 43.1
Oakland County · Detroit-Warren-Dearborn, MI · Population 27,514
Troy, MI (ZIP 48085) sits in Oakland County within the Detroit-Warren-Dearborn metro area. The page draws on 2 federal data feeds retrieved Apr 27. Top health signal: Health Insurance comes in below the national average at 4.2%. NCES lists 8 schools serving the area, 8 non-charter. 10 colleges and universities serve the area, with median in-state tuition of $16,990. IRS data shows average household income (AGI) of $116,319, well above the ~$45K national average per return. Federal QCEW filings show 723,862 covered jobs in this ZIP's primary county — a major regional employment hub. Social vulnerability is low in this ZIP at the 14th percentile (CDC SVI), reflecting strong baseline resilience to public-health emergencies and natural disasters. The most recent FEMA disaster declaration here was flood-related (SEVERE STORMS, TORNADOES, AND FLOODING, 2024). Only 4.7% of residents under 65 are uninsured (County Health Rankings, 2025) — well below the national county median. 30.2% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. Per IRS migration filings (2022-2023), the area's primary county lost $543,316,000 in net taxable income to other counties. Healthcare access and school options both run strong here, giving residents a wide menu of providers and enrollment choices nearby. Notable: median household income $137,222, fair market rent of $2,120 for a two-bedroom, and a typical home value of $459,998, up 3.1% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
Studio
$1,520
/month
1 Bed
$1,690
/month
2 Bed
$2,120
/month
3 Bed
$2,590
/month
4 Bed
$2,810
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
$459,998
Zillow Home Value Index (ZHVI) · as of March 2026
+3.1%
vs. March 2025
+33.5%
vs. March 2021
Detroit-Warren-Dearborn, MI
Metropolitan statistical area
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing units permitted
2,886
Across 1,957 permitted buildings. Total construction value: $996.4M.
Single-family
1,870
65% of total units
Multifamily (2+ unit)
1,016
35% of total units
Single-family value
$790.5M
construction value
Multifamily value
$205.9M
construction value
Based on county-level data (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Tax returns filed
12,720
Average AGI
$116,319
Avg property tax
$549
EITC participation
5.4%
Income distribution
Avg mortgage interest
$675
Avg charitable contribution
$1,027
Avg capital gains
$3,906
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $1479.6M across all reported brackets.
Business establishments
553
Total employment
5,074
Annual payroll
$229.5M
Average annual pay
$45,224
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Average annual pay
$77,917
Average weekly wage
$1,498
Total employment
723,862
Total establishments
43,047
That is roughly 19% above the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment rate
3.6%
That is 0.4 percentage points below the US national unemployment rate of about 4.0%.
Labor force
683,252
Employed
658,858
Unemployed
24,394
Based on Oakland County, MI data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
FDIC-insured bank branches
4
Typical banking access
A standard suburban / mid-density branch count for this area.
Total deposits
$923.9M
across all branches in this ZIP
Distinct institutions
4
different banks operating here
Top banks by deposits in this ZIP
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
Public EV charging stations
2
Limited EV charging
A small number of public charging stations — viable for EV ownership with home charging, but minimal redundancy.
Level 2 ports
8
AC charging — workplace, retail, home
DC Fast ports
0
Highway-class fast charging
Charging networks
Active public stations only. Snapshot taken 2026; AFDC's underlying registry refreshes continuously as stations open and close.
Source: U.S. Department of Energy via NREL (afdc.energy.gov). Per-ZIP counts of active public alternative-fuel stations (electric, hydrogen, propane, CNG, biodiesel, E85, LNG, renewable diesel) and EV charging-port totals.
Overall SVI
14th percentile
Low Vulnerability
Based on 6 census tracts, population 27,206
Vulnerability Themes
Households Without Vehicle
178
Limited English Speakers
511
Persons with Disability
2,242
Without HS Diploma
633
Without Health Insurance
1,004
Adults Age 65+
4,801
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.
Federally Declared Disasters
15
Date Range
1975–2024
Most Recent Declaration
SEVERE STORMS, TORNADOES, AND FLOODING
Flood — declared February 8, 2024 (DR-4757)
Incident period: August 24, 2023 – August 26, 2023
Top Incident Types
Individual Assistance
5
Direct help to disaster survivors
Households Program
5
Housing & temporary lodging support
Public Assistance
10
Repair of public facilities & roads
Hazard Mitigation
5
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Median daily AQI
45
GoodPeak AQI (2024)
101
Unhealthy for Sensitive Groups
Primary pollutant
Ozone
171 days as main pollutant
Days measured
301
Based on Oakland County data (2024).
Source: U.S. Environmental Protection Agency, Air Quality System (epa.gov). Public domain. Only counties with EPA AQS monitoring stations appear here (~30% of US counties); rural ZIPs whose primary county has no monitor will not show this section.
Years of potential life lost (per 100K)
6,101
That is roughly 2,099 years per 100,000 below the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
12%
of adults self-report
Poor physical health days
3.4
avg per adult per month
Poor mental health days
4.9
avg per adult per month
Uninsured
4.7%
of residents under 65
Primary care MDs
138
per 100,000 residents
Preventable hospital stays
3,432
per 100K Medicare enrollees
Food environment (0-10)
8.6
10 = best access & security
Exercise access
96%
residents near a facility
Flu vaccinated
52%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.2% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Oakland data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access status
Significant food access concerns
30.2% of Oakland County, MI residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.18
per 1,000 residents
Supercenters & clubs
0.03
per 1,000 residents
SNAP-authorized stores
0.70
accepting food benefits
Fast-food restaurants
0.85
per 1,000 residents
Among low-income residents, 4.4% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Oakland County, MI for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Net migration (2022-2023)
▼−5,502 people
−3,228 households • −$543.3M net AGI flow
Moved in
34,499households
54,541 people • $2.8B AGI
Moved out
37,727households
60,043 people • $3.3B AGI
Where new residents came from
Where departing residents went
Incoming households reported an average AGI of $80,132 versus departing households' $87,677.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
27.2%
5.8pp below the 33.0% national rate.
32.6%
Tracks close to the 32.0% national rate.
19.2%
2.8pp below the 22.0% national rate.
81.7%
5.7pp above the 76.0% national rate.
4.2%
8.8pp below the 13.0% national rate.
9.7%
Tracks close to the 11.0% national rate.
8 schools serve this ZIP, including 8 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| Athens High School | Public | 9–12 | 1,582 |
| Larson Middle School | Public | 6–8 | 730 |
| Smith Middle School | Public | 6–8 | 627 |
| Troy Union Elementary School | Public | 0–5 | 441 |
| Leonard Elementary School | Public | 0–5 | 429 |
Showing top 5 by enrollment. 3 more schools serve this ZIP.
Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.
Fresh.NCES CCD via Urban Institute EDP · Apr 27, 2026Colleges in this area
10
Median in-state tuition
$16,990
Median earnings (10 yr)
$40,707
Warren, MI · 48088
Port Huron, MI · 48061
Southfield, MI · 48075
Southfield, MI · 48075
Madison Heights, MI · 48071
Troy, MI · 48084
Southfield, MI · 48033
Troy, MI · 48083
Roseville, MI · 48066
Southfield, MI · 48033
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
Troy, MI (ZIP 48085) sits in Oakland County within the Detroit-Warren-Dearborn metro area. The page draws on 2 federal data feeds retrieved Apr 27. Top health signal: Health Insurance comes in below the national average at 4.2%. NCES lists 8 schools serving the area, 8 non-charter. 10 colleges and universities serve the area, with median in-state tuition of $16,990. IRS data shows average household income (AGI) of $116,319, well above the ~$45K national average per return. Federal QCEW filings show 723,862 covered jobs in this ZIP's primary county — a major regional employment hub. Social vulnerability is low in this ZIP at the 14th percentile (CDC SVI), reflecting strong baseline resilience to public-health emergencies and natural disasters. The most recent FEMA disaster declaration here was flood-related (SEVERE STORMS, TORNADOES, AND FLOODING, 2024). Only 4.7% of residents under 65 are uninsured (County Health Rankings, 2025) — well below the national county median. 30.2% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. Per IRS migration filings (2022-2023), the area's primary county lost $543,316,000 in net taxable income to other counties. Healthcare access and school options both run strong here, giving residents a wide menu of providers and enrollment choices nearby. Notable: median household income $137,222, fair market rent of $2,120 for a two-bedroom, and a typical home value of $459,998, up 3.1% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
These two readings tell a consistent story. Strong access numbers usually correlate with denser provider networks, and a high school count signals the population base that supports them. Reading them together: a household weighing this ZIP for a multi-year stay can expect both healthcare and education infrastructure to keep pace.
One concrete reading worth keeping: Depression prevalence sits lower the national rate at 19.2%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
27.2%, which is 5.8 percentage points below the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
19.2%, which is 2.8 percentage points below the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
32.6%, which is 0.6 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
8 schools serve this ZIP, including 8 public schools (NCES CCD, retrieved Apr 27, 2026). No charter schools are listed in this ZIP by NCES CCD.
No charter schools are listed in ZIP 48085 by NCES CCD (retrieved Apr 27, 2026).
Yes, 1 high school serves this ZIP: Athens High School. (NCES CCD, retrieved Apr 27, 2026).
27,514 people live in ZIP 48085, with a median age of 43.1 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
$137,222 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 48085, 92.3% of occupied housing units are owner-occupied and 7.7% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 48085, 18.1% of workers work from home. Public transit is used by 0.1% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
4.2% of the population in ZIP 48085 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
96.8% of households in ZIP 48085 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
The typical home value in ZIP 48085 is $459,998, up 3.1% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Home values are up 3.1% over the past year and up 33.5% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
The average Adjusted Gross Income reported on tax returns from ZIP 48085 (Troy, MI) is $116,319 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
Tax returns from ZIP 48085 report an average of $549 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
15.5% of tax returns from ZIP 48085 (Troy, MI) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
As of 2022, 553 business establishments operated in ZIP 48085 employing 5,074 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
The average annual pay across all local establishments in ZIP 48085 is $45,224, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
According to the CDC Social Vulnerability Index (2022), ZIP 48085 ranks in the 14th percentile nationally for social vulnerability — a low vulnerability profile (retrieved May 3, 2026).
Racial & Ethnic Minority Status is the highest-scoring CDC SVI theme for ZIP 48085, ranking in the 46th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
FEMA has recorded 15 federal disaster declarations affecting ZIP 48085 between 1975–2024 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
Severe Storm is the most common federally declared disaster type affecting ZIP 48085, accounting for 5 of 15 declarations (33%, FEMA OpenFEMA, retrieved May 3, 2026).
The most recent FEMA disaster declaration affecting ZIP 48085 was "SEVERE STORMS, TORNADOES, AND FLOODING" — a flood declared in 2024 (DR-4757) (FEMA OpenFEMA, retrieved May 3, 2026).
10 colleges and universities are listed near ZIP 48085 by the U.S. Department of Education College Scorecard, including Macomb Community College, St Clair County Community College, and Lawrence Technological University (retrieved May 2, 2026).
Median in-state tuition across 10 nearby institutions is $16,990 (College Scorecard, retrieved May 2, 2026).
Graduates of nearby colleges earn a median of $40,707 ten years after entry (College Scorecard, retrieved May 2, 2026).
This page covers health outcomes from CDC PLACES (40 metrics), school information from NCES CCD (8 schools), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (10 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), and federal disaster declarations from FEMA OpenFEMA (15 on record). Data is refreshed on Mubboo's standard schedule.
Health data retrieved Apr 24, 2026 from CDC PLACES. School data retrieved Apr 27, 2026 from NCES CCD. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (15 on record).
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Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.