ZIP Code 48634 — undefined, MI Demographics & Data

ZIP code 48634 covers MI in Bay County with a population of about 4,395.

At a glance, the area shows median age of 48.4 versus a U.S. median of about 38.9.

It sits in telephone area code 989; U.S. House district MI-8; the FLINT - SAGINAW - BAY CITY media market.

Median household income in ZIP 48634 is about $78,929 — about 5% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.6%; unemployment rate near 4.3%; 19.2% of adults with a bachelor’s degree or higher (about 14.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Construction; about 9.7% of workers reporting work-from-home (about 5.5 points below 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 $156,800 — about 55% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $624 (about 46% below the U.S. median rent ($1,163)), and owner-occupancy near 95.1% (about 29.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 48634 in MI, a household would need roughly $43,000 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 $1,007. That sits below the local median household income ($78,929), 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 MI as Relatively Low (composite score 78.2), which is elevated versus much of the country. The strongest component scores on US5 are flood (81.5) and hurricane (42.1). 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 MI show little to no average snow.

IRS migration statistics show a net inflow of about 172 for ZIP 48634 (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.