🇺🇸 United States ZIP Code

STANDARD

48706

Bay City

ZIP Code 48706 is a standard zip code serving Bay City, Bay City, Michigan (MI), in Bay County, United States. It has an estimated population of 40,596 with a median household income of $45,237. The area falls within the America/Detroit timezone.

Median Household Income vs. National Average

Location

Country: 🇺🇸 United States
State / Province: Michigan (MI)
County: Bay
City: Bay City
Timezone: America/Detroit

Coordinates

Latitude: 43.608800
Longitude: -83.953000

Geographic Details

Land Area: 66.99 mi²
Water Area: 7.20 mi²
Population Density: 606.0 people per mi² (70th percentile)
Bounding Box: 43.701283°N, 43.522498°S, -83.840770°E, -84.050077°W

With 40,596 residents spread across 66.99 square miles, this area has a population density of 606.0 people per square mile.

Demographics

40,596

Population

95th percentile

$45,237

Median Income

40th percentile

$97,700

Median Home Value

30th percentile

66.99 mi²

Land Area

The median household income in 48706 is $45,237, and the median home value is $97,700.

Housing

18,425

Total Units

17,125

Occupied Units

92.9%

Occupancy Rate

Nearby ZIP Codes

Other zip codes in Bay City, MI.

48707

Bay City

48708

Bay City

Similar ZIP Codes in Michigan

ZIP codes with similar median household income in Michigan.

49788

Kincheloe

$39,625

48468

Port Hope

$38,882

49436

Mears

$39,038

48417

Burt

$46,382

49451

Ravenna

$51,291

48910

Lansing

$39,007

49322

Coral

$39,500

48906

Lansing

$39,930

Frequently Asked Questions

What information is available for each ZIP code?

Each ZIP code page shows city, state, county, geographic coordinates, timezone, population, median household income, median home value, housing units, land area, population density, commute time, educational attainment, area codes, and ZIP code type (Standard, PO Box, or Unique).

What are the different types of ZIP codes?

There are three types of ZIP codes: Standard (residential and commercial delivery areas), PO Box (assigned to post office box sections), and Unique (assigned to a single high-volume address like a government agency or large company). Standard ZIP codes are the most common.

How often is ZIP code data updated?

ZIP code assignments are updated quarterly by the USPS. Demographic data comes from the US Census Bureau's American Community Survey (ACS), which releases new 5-year estimates annually. ZipFYI updates its data to reflect the latest available information.

What is population density and why does it matter?

Population density measures the number of people per square mile in a ZIP code area. It helps identify urban vs. rural areas, affects real estate values, impacts service availability, and is used in market analysis. Dense urban ZIP codes may have 50,000+ people per square mile.

How are ZIP code boundaries determined?

ZIP code boundaries are determined by the USPS based on mail delivery routes, not political or geographic boundaries. They follow carrier routes and may cross city, county, or even state lines. Boundaries can change when the USPS reorganizes delivery operations.

What does median household income tell me about a ZIP code?

Median household income is the middle value when all household incomes in a ZIP code are sorted. Half of households earn more and half earn less. It is a better indicator of typical earnings than average income, which can be skewed by very high or very low outliers.