New housing units permitted
35
Across 35 permitted buildings. Total construction value: $12.0M.
Univ Ctr, MI (48710)
Bay County · Bay City, MI
Fresh.Data current as of Apr 27, 2026
Univ Ctr, MI (ZIP 48710) sits in Bay County within the Bay City metro area. The page draws on 1 federal data feed retrieved Apr 27. Health-survey coverage is limited for this ZIP. NCES lists 1 schools serving the area, 1 non-charter. 3 colleges and universities serve the area, with median in-state tuition of $8,875. Social vulnerability is low in this ZIP at the 15th percentile (CDC SVI), reflecting strong baseline resilience to public-health emergencies and natural disasters. FEMA has issued 14 federal disaster declarations affecting this ZIP since 1965. Only 5.7% of residents under 65 are uninsured (County Health Rankings, 2025) — well below the national county median. New residents arriving here predominantly come from Saginaw County, MI (IRS SOI Migration, 2022-2023). Both healthcare access and on-paper school density skew lighter than national norms; what shows up here is a snapshot, not a verdict — neighborhood-level texture matters at this scale. Notable: fair market rent of $1,030 for a two-bedroom. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$810
/month
1 Bed
$810
/month
2 Bed
$1,030
/month
3 Bed
$1,400
/month
4 Bed
$1,520
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
New housing construction
Single-family
35
100% of total units
Multifamily (2+ unit)
0
0% of total units
Single-family value
$12.0M
construction value
Multifamily value
$0
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.
Business & employment
Business establishments
5
Total employment
123
Annual payroll
$4.4M
Average annual pay
$35,659
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.
Employment & wages
Average annual pay
$54,617
Average weekly wage
$1,050
Total employment
34,112
Total establishments
2,117
That is roughly 17% below 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
Unemployment rate
5.6%
That is 1.6 percentage points above the US national unemployment rate of about 4.0%.
Labor force
50,555
Employed
47,748
Unemployed
2,807
Based on Bay 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.
Public transit
FTA tracks transit service at the urbanized-area level. Numbers below reflect the agencies and modes serving the area that contains this ZIP, not stop-level coverage.
Service status
Available
Bay City, MI
Reporting agencies
4
Largest: Bay Metropolitan Transit Authority
Annual ridership
—
unlinked trips · 2024
Source: U.S. Federal Transit Administration, National Transit Database (transit.dot.gov). Public domain.
Federal Disaster Declarations
Federally Declared Disasters
14
Date Range
1965–2020
Most Recent Declaration
COVID-19 PANDEMIC
Biological — declared March 27, 2020 (DR-4494)
Incident period: January 20, 2020 – May 11, 2023
Top Incident Types
- Severe Storm4 (29%)
- Flood4 (29%)
- Biological2 (14%)
- Snowstorm2 (14%)
- Hurricane1 (7%)
- Other1 (7%)
Individual Assistance
7
Direct help to disaster survivors
Households Program
2
Housing & temporary lodging support
Public Assistance
13
Repair of public facilities & roads
Hazard Mitigation
2
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.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
48°F
39.1° – 56.9°
Annual precipitation
32.1"
Annual snowfall
49"
Heating · cooling days
6,781.4 · 631
Annual base 65°F
Nearest station: SAGINAW MBS INTL AP, MI US, 4.9 miles from the centroid of Univ Ctr, MI (ZIP 48710)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Air quality
Median daily AQI
37
GoodGood 277dModerate 86d
Peak AQI (2024)
73
Moderate
Primary pollutant
PM2.5
363 days as main pollutant
Days measured
363
Based on Bay 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.
Community health profile
Years of potential life lost (per 100K)
9,515
That is roughly 1,315 years per 100,000 above 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
14%
of adults self-report
Poor physical health days
4.2
avg per adult per month
Poor mental health days
5.8
avg per adult per month
Uninsured
5.7%
of residents under 65
Primary care MDs
45
per 100,000 residents
Preventable hospital stays
3,656
per 100K Medicare enrollees
Food environment (0-10)
7.4
10 = best access & security
Exercise access
77%
residents near a facility
Flu vaccinated
49%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.1% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Bay 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
Food access status
Moderate food access challenges
12.9% of Bay County, MI residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.23
per 1,000 residents
Supercenters & clubs
0.03
per 1,000 residents
SNAP-authorized stores
1.15
accepting food benefits
Fast-food restaurants
0.71
per 1,000 residents
Among low-income residents, 5.3% 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 Bay 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).
Safety
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 30 reports
Property crime rate
—
per 100K residents · 421 reports
Homicide
0
Robbery
0
Burglary
91
Vehicle theft
39
County-level data for Bay (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Who’s moving in and out
Net migration (2022-2023)
▲+226 people
+78 households • −$4.2M net AGI flow
Moved in
2,893households
4,485 people • $147.9M AGI
Moved out
2,815households
4,259 people • $152.1M AGI
Where new residents came from
- Saginaw County, MI — 502 households
- Midland County, MI — 336 households
- Arenac County, MI — 95 households
- Tuscola County, MI — 94 households
- Genesee County, MI — 84 households
Where departing residents went
- Saginaw County, MI — 480 households
- Midland County, MI — 311 households
- Oakland County, MI — 102 households
- Genesee County, MI — 97 households
- Arenac County, MI — 87 households
Incoming households reported an average AGI of $51,140 versus departing households' $54,040.
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.
Taxes & benefits in Michigan
State-level rules that apply to every resident of ZIP 48710. Numbers reflect the most recent published year per source.
Tax rates
Income tax
Yes
graduated
Sales tax (combined)
6.00%
State 6.00% · avg local 0.00%
Property tax (effective)
1.17%
Median $1,868/year
Tax burden rank
20 of 50
9.60% of personal income
Paid family leave
Program
No program
No program
Safety net
SNAP eligibility
200% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 48710
Nearby ZIPs by distance
48706 (Bay City, 3.6 mi) · 48604 (Zilwaukee, 4 mi) · 48708 (Bay City, 6.9 mi) · 48603 (Freeland, 7.1 mi) · 48724 (7.5 mi) · 48611 (Auburn, 7.7 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Schools in this ZIP
1 school serves this ZIP, including 1 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| Great Lakes Bay Early College | Public | 10–12 | 220 |
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 & universities nearby
Colleges in this area
3
Median in-state tuition
$8,875
Median earnings (10 yr)
$37,781
- 2-Year
Delta College
University Center, MI · 48710
- In-state tuition
- $4,820
- Out-of-state tuition
- $7,880
- Acceptance rate
- —
- Graduation rate
- 20.8%
- Median earnings (10 yr)
- $37,781
- Median student debt
- $10,978
- 4-Year
Saginaw Valley State University
University Center, MI · 48710
- In-state tuition
- $12,930
- Out-of-state tuition
- $30,450
- Acceptance rate
- 72.1%
- Graduation rate
- 50.7%
- Median earnings (10 yr)
- $51,955
- Median student debt
- $25,000
- Certificate
Bayshire Academy of Beauty Craft Inc
Bay City, MI · 48708
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 76.1%
- Median earnings (10 yr)
- $24,471
- Median student debt
- —
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.
What these numbers say together
Univ Ctr, MI (ZIP 48710) sits in Bay County within the Bay City metro area. The page draws on 1 federal data feed retrieved Apr 27. Health-survey coverage is limited for this ZIP. NCES lists 1 schools serving the area, 1 non-charter. 3 colleges and universities serve the area, with median in-state tuition of $8,875. Social vulnerability is low in this ZIP at the 15th percentile (CDC SVI), reflecting strong baseline resilience to public-health emergencies and natural disasters. FEMA has issued 14 federal disaster declarations affecting this ZIP since 1965. Only 5.7% of residents under 65 are uninsured (County Health Rankings, 2025) — well below the national county median. New residents arriving here predominantly come from Saginaw County, MI (IRS SOI Migration, 2022-2023). Both healthcare access and on-paper school density skew lighter than national norms; what shows up here is a snapshot, not a verdict — neighborhood-level texture matters at this scale. Notable: fair market rent of $1,030 for a two-bedroom. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
Both surfaces skew lighter than national averages. That isn’t a verdict — small-area estimates compress real neighborhood-level texture, and a single ZIP reading can miss a district line or a hospital corridor sitting just outside it. Treat this as a starting point for fieldwork, not a conclusion.
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.
Frequently Asked Questions — ZIP 48710
How many schools are in ZIP 48710?
1 school serves this ZIP, including 1 public school (NCES CCD, retrieved Apr 27, 2026). No charter schools are listed in this ZIP by NCES CCD.
Does ZIP 48710 have charter schools?
No charter schools are listed in ZIP 48710 by NCES CCD (retrieved Apr 27, 2026).
Are there high schools in ZIP 48710?
Yes, 1 high school serves this ZIP: Great Lakes Bay Early College. (NCES CCD, retrieved Apr 27, 2026).
How many businesses are in ZIP 48710?
As of 2022, 5 business establishments operated in ZIP 48710 employing 123 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 48710?
The average annual pay across all local establishments in ZIP 48710 is $35,659, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 48710 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 48710 ranks in the 15th percentile nationally for social vulnerability — a low vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 48710?
Housing Type & Transportation is the highest-scoring CDC SVI theme for ZIP 48710, ranking in the 44th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 48710 experienced?
FEMA has recorded 14 federal disaster declarations affecting ZIP 48710 between 1965–2020 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 48710?
Severe Storm is the most common federally declared disaster type affecting ZIP 48710, accounting for 4 of 14 declarations (29%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 48710?
The most recent FEMA disaster declaration affecting ZIP 48710 was "COVID-19 PANDEMIC" — a biological declared in 2020 (DR-4494) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 48710?
3 colleges and universities are listed near ZIP 48710 by the U.S. Department of Education College Scorecard, including Delta College, Saginaw Valley State University, and Bayshire Academy Of Beauty Craft Inc (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 48710?
Median in-state tuition across 3 nearby institutions is $8,875 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 48710?
Graduates of nearby colleges earn a median of $37,781 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 48710?
ZIP 48710 has an average annual temperature of 48.0°F and 32.1" of annual precipitation based on the SAGINAW MBS INTL AP, MI US weather station 4.9 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Does ZIP 48710 have public transit?
Yes — ZIP 48710 is part of the Bay City, MI urbanized area, primarily served by Bay Metropolitan Transit Authority (National Transit Database 2024, retrieved May 4, 2026).
What taxes apply in ZIP 48710?
Michigan has a graduated income tax with a top rate of unspecified. Combined sales tax: 6.00% (Tax Foundation 2025).
Does Michigan have paid family leave?
Michigan has no state paid family leave program (Bipartisan Policy Center 2026).
What data is available for ZIP 48710?
This page covers school information from NCES CCD (1 school), colleges from the U.S. Department of Education College Scorecard (3 institutions), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (14 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), public transit coverage from the National Transit Database (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
School data retrieved Apr 27, 2026 from NCES CCD. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. 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 (14 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). Transit coverage retrieved May 4, 2026 from the National Transit Database (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 48710
Nearby ZIPs by distance
48706 (Bay City, 3.6 mi) · 48604 (Zilwaukee, 4 mi) · 48708 (Bay City, 6.9 mi) · 48603 (Freeland, 7.1 mi) · 48724 (7.5 mi) · 48611 (Auburn, 7.7 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
Have a specific question about ZIP 48710?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 27, 2026.
Social Vulnerability Index
Overall SVI
15th percentile
Low Vulnerability
Based on 1 census tract, population 73
Vulnerability Themes
Households Without Vehicle
1
Persons with Disability
9
Without HS Diploma
4
Without Health Insurance
1
Adults Age 65+
18
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.