ZIP Code Tabulation Area · Michigan

ZIP Code 48706: Bay County, MI

ZIP Code 48706 (Bay County, Michigan) has an estimated 38,974 residents in 17,184 households. The median household income is $62,747, the median home value is $155,800 and the median gross rent is $922/mo. Figures are U.S. Census Bureau American Community Survey 2020–2024 5-year estimates for the matching ZIP Code Tabulation Area.

American Community Survey 2020–2024 5-year estimates · Updated Oct 26, 2026

Total population

38,974

Margin of error ±757

Median household income

$62,747

Margin of error ±$5,316

Median home value

$155,800

Margin of error ±$7,288

Median gross rent

$922/mo

Margin of error ±$45

Median age

44.7 yrs

Margin of error ±1.3 yrs

Mean travel time to work

20.9 min

Margin of error ±1.9 min

How ZIP 48706 compares with Michigan and the U.S.

State and national figures are the Census Bureau's own estimates for those areas from the same ACS release, not averages of ZIP codes.

Median age

ZIP 4870644.7 yrsMichigan40.2 yrsUnited States38.9 yrs

Median household income

ZIP 48706$62,747Michigan$72,875United States$80,734

Per capita income

ZIP 48706$36,643Michigan$40,735United States$44,673

Poverty rate

ZIP 4870612.3%Michigan13.2%United States12.5%

Unemployment rate

ZIP 487063.7%Michigan5.7%United States5.2%

Bachelor's degree or higher

ZIP 4870624.7%Michigan32.4%United States35.7%

Median home value

ZIP 48706$155,800Michigan$231,600United States$332,700

Median gross rent

ZIP 48706$922/moMichigan$1,129/moUnited States$1,413/mo

Owner-occupied homes

ZIP 4870678.2%Michigan73.2%United States65.2%

Mean travel time to work

ZIP 4870620.9 minMichigan24.2 minUnited States26.4 min

Worked from home

ZIP 487068.9%Michigan13.5%United States15.1%

All figures for ZIP 48706

Each estimate has a 90% margin of error: the true value is likely within that range. * marks estimates with a large margin of error (a coefficient of variation above 30%, or ±10 percentage points or more for rates).

ZIP 48706 — ACS 2020–2024 5-year estimates
Measure	ZIP 48706	Margin of error	Michigan	United States
Total population	38,974	±757	10,077,761	334,922,499
Median age	44.7 yrs	±1.3 yrs	40.2 yrs	38.9 yrs
Households	17,184	±524	4,076,369	129,227,496
Median household income	$62,747	±$5,316	$72,875	$80,734
Per capita income	$36,643	±$1,917	$40,735	$44,673
Poverty rate	12.3%	±1.9 pts	13.2%	12.5%
Unemployment rate	3.7%	±1.2 pts	5.7%	5.2%
Bachelor's degree or higher	24.7%	±2.3 pts	32.4%	35.7%
Median home value	$155,800	±$7,288	$231,600	$332,700
Median gross rent	$922/mo	±$45	$1,129/mo	$1,413/mo
Owner-occupied homes	78.2%	±2.0 pts	73.2%	65.2%
Mean travel time to work	20.9 min	±1.9 min	24.2 min	26.4 min
Worked from home	8.9%	±1.8 pts	13.5%	15.1%

Race and Hispanic or Latino origin

Shares of the total population by the Census Bureau's race and Hispanic or Latino origin categories (table B03002), listed in the Census Bureau's order. People self-identify on the survey.

Population by race and Hispanic or Latino origin, ZIP 48706
Group	ZIP 48706	Michigan	United States
White alone, not Hispanic or Latino	90.0%	72.4%	57.4%
Black or African American alone, not Hispanic or Latino	0.8%	13.1%	11.9%
American Indian and Alaska Native alone, not Hispanic or Latino	0.1%	0.3%	0.5%
Asian alone, not Hispanic or Latino	0.5%	3.4%	5.9%
Native Hawaiian and Other Pacific Islander alone, not Hispanic or Latino	0.1%	0.0%	0.2%
Some other race alone, not Hispanic or Latino	0.9%	0.5%	0.6%
Two or more races, not Hispanic or Latino	3.8%	4.5%	4.3%
Hispanic or Latino (of any race)	3.6%	5.9%	19.3%

Where ZIP 48706 is

State: Michigan
Main county: Bay County
Largest overlapping place: Bay City (6% of the ZIP's land area)
Land area: 66.30 sq mi· about 588 people per sq mi

County and place names come from the Census Bureau's 2020 ZCTA relationship files. A ZIP code's mailing city, set by the U.S. Postal Service, can differ from these names.

Other ZIP codes in Bay County

48611 Bay County, MI 48613 Bay County, MI 48631 Bay County, MI 48634 Bay County, MI 48650 Bay County, MI 48708 Bay City, MI 48732 Bay County, MI 48747 Bay County, MI

See every ZIP code in Michigan, or compare ZIP 48706 with another ZIP code.

Census figures describe residents as a group and cannot tell you about any one home or street. For a specific address, check local government and housing records.

About ZIP codes and ZCTAs: the Census Bureau publishes statistics for ZIP Code Tabulation Areas, which approximate USPS ZIP code delivery areas. Learn how they differ.

Sources

U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates, detailed tables B01003, B01002, B11001, B19013, B19301, B17001, B23025, B15003, B25077, B25064, B25003, B08013, B08303, B08301, B03002 — snapshot Oct 26, 2026.
U.S. Census Bureau, 2020 ZCTA5 relationship files (county and place).
Data: U.S. Census Bureau, American Community Survey 5-year estimates (detailed tables) and 2020 Census ZCTA relationship files. This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau. These agencies do not endorse OpenZIP.