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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).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$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)
Flood zones vary by property. Look up a specific address on the FEMA Flood Map Service Center.

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 48638State medianUS median
Typical home value$204,024—$288,527
Median sale price$210,250—$325,000
Median days on market11 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 →

Data compiled by REAIGENT7 — AI listing platform for real estate agents