Population & age
- Total population
- 796
- Median age
- 27.2
ZIP 48724, MI (48724)
Saginaw County · Saginaw, MI · Population 796
Fresh.Data current as of Apr 24, 2026
MI 48724 (ZIP 48724) sits in Saginaw County within the Saginaw metro area. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in above the national average at 40.5%. No NCES schools are mapped to this ZIP in the current dataset. 3 colleges and universities serve the area, with median in-state tuition of $8,875. FEMA has issued 17 federal disaster declarations affecting this ZIP since 1973. County Health Rankings reports 10,742 years of potential life lost per 100,000 (2025) — well above the national county median. 30.1% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. New residents arriving here predominantly come from Bay County, MI (IRS SOI Migration, 2022-2023). Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $31,391, fair market rent of $1,150 for a two-bedroom, and a 79.0% poverty rate (well above the ~12% US average). 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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Demographics
Race & ethnicity
- White
- 96.0%
- Black
- 0.0%
- Asian
- 0.0%
- Hispanic / Latino
- 13.4%
- Other / multi-racial
- 4.0%
Income & housing
- Median household income
- $31,391
Education
- Bachelor's degree or higher (age 25+)
- 4.5%
Employment
- Unemployment rate
- 27.3%
Housing
- Owner-occupied
- 65(22.7%)
- Renter-occupied
- 221(77.3%)
- Vacant units
- 0
- Built (median)
- 1955
Commute
- Public transit
- 0(0.0%)
- Work from home
- 73(78.5%)
Economic wellbeing
- Below poverty line
- 629(79.0%)
- Uninsured
- 0(0.0%)
Digital access
- Broadband access
- 286(100.0%)
Language & nativity
- Foreign-born
- 17(2.1%)
- Non-English at home
- 0(0.0%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$800
/month
1 Bed
$880
/month
2 Bed
$1,150
/month
3 Bed
$1,480
/month
4 Bed
$1,530
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
New housing construction
New housing units permitted
141
Across 129 permitted buildings. Total construction value: $37.2M.
Single-family
121
86% of total units
Multifamily (2+ unit)
20
14% of total units
Single-family value
$33.9M
construction value
Multifamily value
$3.3M
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
12
Total employment
152
Annual payroll
$10.1M
Average annual pay
$66,421
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
$58,049
Average weekly wage
$1,116
Total employment
79,478
Total establishments
3,966
That is roughly 11% 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
5.9%
That is 1.9 percentage points above the US national unemployment rate of about 4.0%.
Labor force
85,502
Employed
80,460
Unemployed
5,042
Based on Saginaw 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
Midland, MI
Reporting agencies
3
Largest: City of Midland
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
17
Date Range
1973–2020
Most Recent Declaration
SEVERE STORMS AND FLOODING
Dam/Levee Break — declared July 9, 2020 (DR-4547)
Incident period: May 16, 2020 – May 22, 2020
Top Incident Types
- Severe Storm6 (35%)
- Flood5 (29%)
- Biological2 (12%)
- Snowstorm2 (12%)
- Dam/Levee Break1 (6%)
- Other1 (6%)
Individual Assistance
7
Direct help to disaster survivors
Households Program
3
Housing & temporary lodging support
Public Assistance
16
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.
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
48.3°F
38.9° – 57.6°
Annual precipitation
34"
Annual snowfall
40.7"
Heating · cooling days
6,749.5 · 689.5
Annual base 65°F
Nearest station: SAGINAW #3, MI US, 3.5 miles from the centroid of ZIP 48724 (ZIP 48724)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Community health profile
Years of potential life lost (per 100K)
10,742
That is roughly 2,542 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
21%
of adults self-report
Poor physical health days
4.5
avg per adult per month
Poor mental health days
6.3
avg per adult per month
Uninsured
5.5%
of residents under 65
Primary care MDs
87
per 100,000 residents
Preventable hospital stays
3,011
per 100K Medicare enrollees
Food environment (0-10)
6.7
10 = best access & security
Exercise access
68%
residents near a facility
Flu vaccinated
45%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 10.1% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Saginaw 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
Significant food access concerns
30.1% of Saginaw County, MI residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.17
per 1,000 residents
Supercenters & clubs
0.04
per 1,000 residents
SNAP-authorized stores
1.12
accepting food benefits
Fast-food restaurants
0.79
per 1,000 residents
Among low-income residents, 11.4% 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 Saginaw 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).
Who’s moving in and out
Net migration (2022-2023)
▼−390 people
−350 households • +$10.4M net AGI flow
Moved in
4,682households
7,830 people • $275.9M AGI
Moved out
5,032households
8,220 people • $265.5M AGI
Where new residents came from
- Bay County, MI — 480 households
- Genesee County, MI — 405 households
- Midland County, MI — 243 households
- Tuscola County, MI — 181 households
- Oakland County, MI — 152 households
Where departing residents went
- Bay County, MI — 502 households
- Genesee County, MI — 414 households
- Midland County, MI — 315 households
- Oakland County, MI — 173 households
- Tuscola County, MI — 151 households
Incoming households reported an average AGI of $58,933 versus departing households' $52,761.
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 48724. 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 48724
Nearby ZIPs by distance
48607 (Saginaw, 1.8 mi) · 48602 (Saginaw, 3.6 mi) · 48604 (Zilwaukee, 3.6 mi) · 48601 (Saginaw, 4.7 mi) · 48603 (Freeland, 5.2 mi) · 48638 (Saginaw, 5.3 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
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
41.2%
8.2pp above the 33.0% national rate.
High Blood Pressure
40.5%
8.5pp above the 32.0% national rate.
Depression
29.0%
7.0pp above the 22.0% national rate.
Annual Checkup
79.2%
3.2pp above the 76.0% national rate.
Health Insurance
11.8%
Tracks close to the 13.0% national rate.
Diabetes
16.3%
5.3pp above the 11.0% national rate.
Colleges & 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
MI 48724 (ZIP 48724) sits in Saginaw County within the Saginaw metro area. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in above the national average at 40.5%. No NCES schools are mapped to this ZIP in the current dataset. 3 colleges and universities serve the area, with median in-state tuition of $8,875. FEMA has issued 17 federal disaster declarations affecting this ZIP since 1973. County Health Rankings reports 10,742 years of potential life lost per 100,000 (2025) — well above the national county median. 30.1% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. New residents arriving here predominantly come from Bay County, MI (IRS SOI Migration, 2022-2023). Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $31,391, fair market rent of $1,150 for a two-bedroom, and a 79.0% poverty rate (well above the ~12% US average). Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
- Fair market rent for a two-bedroom ($1,150/month, HUD SAFMR) represents 44% of median household income ($31,391, Census ACS) — above the 30% affordability threshold commonly used by housing experts.
- Lower median household income ($31,391, Census ACS) sits alongside an above-average 41.2% obesity rate (CDC PLACES) — a pattern that correlates with reduced healthcare access in lower-income areas.
One concrete reading worth keeping: Depression prevalence sits higher the national rate at 29.0%. 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 48724
What is the obesity rate in ZIP 48724?
41.2%, which is 8.2 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 48724?
29.0%, which is 7.0 percentage points above the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 48724?
40.5%, which is 8.5 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the population of ZIP 48724?
796 people live in ZIP 48724, with a median age of 27.2 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 48724?
$31,391 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 48724 mostly renters or homeowners?
In ZIP 48724, 22.7% of occupied housing units are owner-occupied and 77.3% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 48724?
In ZIP 48724, 78.5% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 48724?
79.0% of the population in ZIP 48724 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 48724 have broadband internet?
100.0% of households in ZIP 48724 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How many businesses are in ZIP 48724?
As of 2022, 12 business establishments operated in ZIP 48724 employing 152 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 48724?
The average annual pay across all local establishments in ZIP 48724 is $66,421, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 48724 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 48724 ranks in the 69th percentile nationally for social vulnerability — a high vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 48724?
Housing Type & Transportation is the highest-scoring CDC SVI theme for ZIP 48724, ranking in the 75th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 48724 experienced?
FEMA has recorded 17 federal disaster declarations affecting ZIP 48724 between 1973–2020 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 48724?
Severe Storm is the most common federally declared disaster type affecting ZIP 48724, accounting for 6 of 17 declarations (35%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 48724?
The most recent FEMA disaster declaration affecting ZIP 48724 was "SEVERE STORMS AND FLOODING" — a dam/levee break declared in 2020 (DR-4547) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 48724?
3 colleges and universities are listed near ZIP 48724 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 48724?
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 48724?
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 48724?
ZIP 48724 has an average annual temperature of 48.3°F and 34.0" of annual precipitation based on the SAGINAW #3, MI US weather station 3.5 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Does ZIP 48724 have public transit?
Yes — ZIP 48724 is part of the Midland, MI urbanized area, primarily served by City of Midland (National Transit Database 2024, retrieved May 4, 2026).
What taxes apply in ZIP 48724?
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 48724?
This page covers health outcomes from CDC PLACES (40 metrics), demographics from the Census ACS 5-Year (2022), 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 (17 on record), climate normals from NOAA NCEI (1991-2020), 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?
Health data retrieved Apr 24, 2026 from CDC PLACES. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). 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 (17 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). 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 48724
Nearby ZIPs by distance
48607 (Saginaw, 1.8 mi) · 48602 (Saginaw, 3.6 mi) · 48604 (Zilwaukee, 3.6 mi) · 48601 (Saginaw, 4.7 mi) · 48603 (Freeland, 5.2 mi) · 48638 (Saginaw, 5.3 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 48724?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
69th percentile
High Vulnerability
Based on 1 census tract, population 857
Vulnerability Themes
Households Without Vehicle
27
Persons with Disability
163
Without HS Diploma
50
Without Health Insurance
31
Adults Age 65+
114
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.