ZIP Code 48128 — Dearborn city, MI Demographics & Data

ZIP code 48128 covers Dearborn, MI in Wayne County with a population of about 12,844.

At a glance, the area shows median age of 36.0 versus a U.S. median of about 38.9.

It sits in telephone area code 313; U.S. House district MI-12; the DETROIT media market.

Dearborn, MI sits in a university / college context (near henry ford college (1.3 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 48128 is about $98,362 — about 31% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.8%; unemployment rate near 2.6%; 49.1% of adults with a bachelor’s degree or higher (about 15.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Education; about 17.2% of workers reporting work-from-home (about 2.0 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $236,900 — about 32% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,072 (about 8% below the U.S. median rent ($1,163)), and owner-occupancy near 87.0% (about 21.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 48128 in Dearborn, MI, a household would need roughly $65,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,522. That sits below the local median household income ($98,362), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Dearborn city, MI as Relatively High (composite score 99.0), which is among the highest nationally. The strongest component scores on US5 are flood (99.4) and hurricane (57.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Dearborn city, MI show little to no average snow and around 35.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 503 for ZIP 48128 (Dearborn city, MI) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.