ZIP Code 48320 — Keego Harbor city, MI Demographics & Data

ZIP code 48320 covers Keego Harbor, MI in Oakland County with a population of about 4,257.

At a glance, the area shows median age of 44.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 248, 947; U.S. House district MI-11; the DETROIT media market.

Median household income in ZIP 48320 is about $77,700 — about 3% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.9%; unemployment rate near 3.8%; 47.7% of adults with a bachelor’s degree or higher (about 14.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Manufacturing; about 15.4% of workers reporting work-from-home (roughly in line with 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 $317,900 — about 9% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,062 (about 9% below the U.S. median rent ($1,163)), and owner-occupancy near 73.3% (about 7.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 48320 in Keego Harbor, MI, a household would need roughly $88,000 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 $2,042. That is roughly in line with the local median household income ($77,700). 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 Keego Harbor city, MI as Relatively High (composite score 97.5), which is among the highest nationally. The strongest component scores on US5 are flood (97.5) and wildfire (58.1). 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 Keego Harbor city, MI show little to no average snow and around 33.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 167 for ZIP 48320 (Keego Harbor 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.