ZIP Code 48430 — Fenton city, MI Demographics & Data

ZIP code 48430 covers Fenton, MI in Livingston County with a population of about 38,731.

At a glance, the area shows median age of 42.4 versus a U.S. median of about 38.9.

It sits in telephone area code 810; U.S. House district MI-7; the FLINT - SAGINAW - BAY CITY media market.

Median household income in ZIP 48430 is about $99,755 — about 33% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.7%; unemployment rate near 5.2%; 38.3% of adults with a bachelor’s degree or higher (about 4.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 14.4% 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 $308,500 — about 11% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,138 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 82.7% (about 17.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 48430 in Fenton, MI, a household would need roughly $85,000 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 $1,982. That sits below the local median household income ($99,755), 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 Fenton city, MI as Relatively Low (composite score 73.5), which is elevated versus much of the country. The strongest component scores on US5 are flood (74.0) and wildfire (37.6). 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 Fenton city, MI show little to no average snow and around 34.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,515 for ZIP 48430 (Fenton 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.