Area data
ZIP 48638
Population: 12,875 (Census ACS)
The typical home value in ZIP 48638 is $204,024 — up 5.3% over the past year. Homes sell for a median $210,250 after a median 11 days on market. 4 schools serve the area (NCES). Cost of living is 3.8% below the US average (BEA, metro/state-level).
$204,024
Typical home value
+5.3%
1-year change
11
Median days on market
Home values & appreciation
- Typical home value
- $204,024
- 1-year appreciation
- +5.3%
- 3-year appreciation
- +18.8%
- 5-year appreciation
- +43.6%
- 10-year appreciation
- +120.6%
- Peak value since 2000 (Aug 2026)
- $204,024
Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)
Market activity
- Median sale price
- $210,250
- Median list price
- $222,950
- Median price per sqft
- $115
- 1-year sale-price change
- +0.1%
- Median days on market
- 11 days
- Homes sold (recent period)
- 56
- For-sale inventory
- 44
- Sale-to-list ratio
- 99.4%
- Active listings
- 30
- 1-year forecast
- +3.2%
- Days to pending
- 67 days
- New listings (monthly)
- 22
Source: recent area sales and market data (ZIP-level)
Rents
- Studio fair-market rent
- $795/mo
- 1BR fair-market rent
- $893/mo
- 2BR fair-market rent
- $1,141/mo
- 3BR fair-market rent
- $1,466/mo
- 4BR fair-market rent
- $1,500/mo
Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)
Affordability
- Cost of living index (Average)
- 96.2 (100 = US avg)
- 30-year mortgage rate (national)
- 7.40%
- 15-year mortgage rate (national)
- 6.73%
Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)
Schools
- Total schools
- 4
- Elementary schools
- 3
- Middle schools
- 1
- High schools
- 0
- Avg student-teacher ratio
- 17.0 : 1
- Schools include
- White Pine Middle School, Hemmeter Elementary School, Westdale Elementary School, Arrowwood Elementary School
Source: NCES school directory, 2024-25 (school-address-based)
Natural hazards & flood risk
- Most common flood zone among NFIP claims
- Zone AE
- NFIP flood claims on record
- 144
- EPA Superfund (NPL) sites within 5 mi
- None
- Nearest Superfund site
- Bay City Middlegrounds (11.7 mi — proposed for listing)
Sources: FEMA National Risk Index (county-level) · FEMA NFIP flood-insurance claims (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL
Climate (30-year normals)
- Average annual temperature
- 48.0°F
- Average high
- 58.0°F
- Average low
- 39.0°F
- Annual precipitation
- 34.0 in
- Annual snowfall
- 40.7 in
- USDA plant hardiness zone
- 6a (extreme annual low -10 to -5°F)
Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)
Walkability & transit
- Walkability index
- 8.8 / 20
- Transit service frequency
- -99,999
- Jobs reachable by car (30 min)
- 27,463
- Jobs reachable by transit (45 min)
- 25,837
Source: EPA Smart Location Database (metropolitan block groups)
Amenities
- Airports within 30 mi
- 26
- Nearest airport
- Saginaw County H.W. Browne Airport (8 mi)
- Nearest major airport
- MBS International Airport (MBS) (9 mi)
- Hospitals in or near this ZIP
- 16
- Hospitals include
- MYMICHIGAN MEDICAL CENTER ALMA, MCLAREN BAY REGION, COVENANT MEDICAL CENTER
- Avg hospital rating (CMS)
- 2.8 / 5
- Best hospital rating nearby (CMS)
- 4.0 / 5
- Solar radiation rating
- Fair (3.8 kWh/m²/day)
Sources: National Park Service · FAA airport data · CMS hospital data (same ZIP, else within ~40 mi) · DOE/NREL (proximity-based)
Housing stock
- Median year housing built
- 1972
- Housing built before 1970
- 41.6%
- Housing built 2000 or later
- 5.5%
- Median annual property tax
- $2,545
- Mean commute to work
- 22 min
- Households with broadband internet
- 79.0%
Source: Census ACS 5-year estimates (ZIP-level)
How it compares
| ZIP 48638 | State median | US median | |
|---|---|---|---|
| Typical home value | $204,024 | — | $288,527 |
| Median sale price | $210,250 | — | $325,000 |
| Median days on market | 11 days | — | 51 days |
| Median annual property tax | $2,545 | — | $2,006 |
State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.
Area data compiled from public government, academic, and industry research feeds. Data sources →
Common questions
- What is the typical home value in ZIP 48638?
- $204,024.
- What is the median sale price in ZIP 48638?
- $210,250.
- How long do homes take to sell in ZIP 48638?
- Median days on market: 11 days.
- What is typical rent in ZIP 48638?
- 2-bedroom fair-market rent: $1,141/month (HUD FMR — a 40th-percentile regulatory reference, not market-observed).
- Is ZIP 48638 in a flood zone?
- Flood zones vary by property within ZIP 48638. 144 FEMA flood-insurance (NFIP) claims are on record; the most common zone among them is AE. Check a specific address on the FEMA Flood Map Service Center.
- Are there Superfund sites near ZIP 48638?
- No current or proposed National Priorities List sites within 5 miles (EPA).
- How many schools serve ZIP 48638?
- 4 schools (3 elementary, 1 middle) (NCES, 2024-25).
- Is ZIP 48638 walkable?
- Walkability index: 8.8/20 (EPA Smart Location Database).
- What is the cost of living in ZIP 48638?
- Regional Price Parity: 96.2 (100 = US average) (Average) (BEA RPP, metro/state-level).
Listing a home in ZIP 48638?
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Data last updated
Most recent source refresh: Oct 2026. See all data sources →