ZIP 48706 · Bay City
Who lives in ZIP code 48706 (Bay City, MI): age, income, housing, education and work.
Source: uszips 2026 (ACS-based ZIP file)
2026 ZIP profile
Bay City, MI · Bay County
uszips 2026
People38,974
Median age44.7
Household income$62,747
Home value$155,494
Median rent$922/mo
Poverty12.3%
College degree+24.6%
Commute21 min
Place
- Metro area
- Bay City, MI
- Wider region
- Saginaw-Midland-Bay City, MI
- Time zone
- Eastern
- Density
- 227 / sq mi
- Housing units
- 17,184
County
Share of the ZIP's people in each county.
Age mix
23.6% are 65 or older; 79.4% are adults.
Household income
28.7% of households earn $100K+. Median per person: $37,286.
Education (adults 25+)
41.7% of degrees are in STEM fields.
Race
3.6% Hispanic or Latino (of any race).
Households & family
- Married
- 46.9%
- Never married
- 30.8%
- Divorced
- 13.5%
- Widowed
- 8.8%
- Family size
- 2.84
- Dual-income families
- 49.8%
Housing
- Own their home
- 78.2%
- Rent burden
- 29.3%
- Men / women
- 49% / 51%
Work
- In labor force
- 60.5%
- Unemployment
- 3.7%
- Self-employed
- 8.4%
- Farmers
- 0.5%
Community
- Charitable givers
- 17.8%
- Veterans
- 6.7%
- With a disability
- 16.8%
- No health insurance
- 3.8%
- Limited English
- 0.6%
Source: uszips 2026 (ACS-based ZIP file). Shares are percentages of people, households or adults as the measure implies.