ZIP Code Tabulation Area

48601

Saginaw, MI · ACS 2020–2024

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Latest estimates

At a glance

U.S. Census Bureau American Community Survey 5-year estimates.

Total population
31,601
Median household income
$38,900
People below poverty
31.6%
Median home value
$62,800

Income

The median income of households in 48601 was $38,900. An estimated 10.2% of households had income below $10,000 a year and 0.5% had income of $200,000 or more.

Household Income in 48601 in 2020-2024

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Percent
Less than $10,000 10.2
$10,000 to $14,999 12.5
$15,000 to $24,999 11.5
$25,000 to $34,999 11.8
$35,000 to $49,999 14.8
$50,000 to $74,999 18
$75,000 to $99,999 10.3
$100,000 to $149,999 7.6
$150,000 to $199,999 2.9
$200,000 or more 0.5

Median Earnings for Full-Time Year-Round Workers by Sex in 48601 in 2020-2024

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Dollars
Male 45306
Female 39911

An estimated 59.1% of households received earnings. An estimated 45% of households received Social Security and an estimated 30.5 % of households received retirement income other than Social Security. The average income from Social Security was $20,539. These income sources are not mutually exclusive; that is, some households received income from more than one source.

Proportion of Households with Various Income Sources in 48601 in 2020-2024

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Percent
Earnings 59.1
Social Security 45
Retirement income 30.5
Supplemental Security Income (SSI) 16.3
Cash public assistance income 5

Poverty and Participation in Government Programs

In 2020-2024, 31.6 % of people were in poverty. An estimated 46.2% of children under 18 were below the poverty level, compared with 20% of people 65 years old and over. An estimated 29.2% of people 18 to 64 years were below the poverty level.

Poverty Rates in 48601 in 2020-2024

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Percent
People in poverty 31.6
Children under 18 years below poverty 46.2
People 65 years old and over below poverty 20
People 18 to 64 years below poverty 29.2

In 2020-2024, 40.3 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 47.9% of households that received SNAP had children under 18, and 37.4% of households that received SNAP had one or more people 60 years and over. An estimated 44.8% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 48601 in 2020-2024, 94.8% had health insurance coverage and 5.2% did not have health insurance coverage. Private coverage was 44.2% and public coverage was 67.8%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 5.6%.


In 2020-2024, 48601 had a total population of 31,601 - 17,648 (55.8%) females and 13,953 (44.2%) males. The median age was 38.2 years. An estimated 25.7% of the population was under 18 years, 28.9% was 19 to 44 years, 22% was 45 to 64 years, and 21 % was 65 years and older.

Population by Age and Sex for 48601 in 2020-2024

Male Female
Under 5 1205 983
5 to 9 1291 1066
10 to 14 944 1423
15 to 19 995 969
20 to 24 874 900
25 to 29 660 1074
30 to 34 809 1462
35 to 39 696 842
40 to 44 814 995
45 to 49 594 778
50 to 54 485 919
55 to 59 752 1239
60 to 64 1110 1071
65 to 69 914 1394
70 to 74 741 903
75 to 79 585 657
80 to 84 219 486
85 and over 265 487

Hispanic Origin and Race

For people reporting one race alone, 30.6% were White; 58.8% were Black or African American; 2% were American Indian and Alaska Native; 0.1% were Asian; 17.3% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 7.2% reported Two or More Races. An estimated 11.8% of the people in 48601 were Hispanic or Latino. An estimated 27.9% of the people in 48601 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 13,323 households in 48601. The average household size was 2.35 people.

Married-couple households made up 23.6% of the households in 48601 while cohabiting couple households made up 10.9% of households. Female householders with no spouse or partner present were 47.3% of all households, while 18.2% of households had male householders with no spouse or partner present. Some households had one person, as 15.7% of households were male householders living alone, and 23.2% were female householders living alone, for a total of 38.9% of all households.

In 48601, 28.2% of all households had one or more people under the age of 18; 40% of all households had one or more people 65 years and over.

Types of Households in 48601 in 2020-2024

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Percent
Married-couple households 23.6
Cohabiting Couples 10.9
Male Householder
No spouse/partner present
18.2
Female Householder
No spouse/partner present
47.3

Marital Status

Among persons 15 and older, 32.8% of males and 25% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 46.5 43.1
Now married, except separated 32.8 25
Separated 1.7 4.1
Widowed 5.2 10.9
Divorced 13.9 16.9

Grandparents and Grandchildren

In 48601, 768 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 25.8% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 98.8% of the people living in 48601 were U.S. natives. 81.4% of the 48601 population were living in the state where they were born.

Approximately 1.2% of 48601 residents in 2020-2024 were foreign-born. 50.4% of foreign-born were naturalized U.S. citizens and an estimated 74.8 % entered the country before the year 2010.

Foreign-born residents of 48601 come from different parts of the world. The bar graph below displays the percentage of foreign-born from each world region of birth in 2020-2024 for 48601.

Region of Birth for the Foreign-Born Population in 48601 in 2020-2024

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Percent
Latin America 83.1
Asia 11.8
Europe 5.1
Africa 0
Northern America 0
Oceania 0

Language

Among people at least five years old living in 48601 in 2020-2024, 4.7 % spoke a language other than English at home. Spanish was spoken by 4.2% of people at least five years old; 1.8% reported that they did not speak English "very well."

Percentage of the Population 5 years and over who Speak a Language other than English in 48601 in 2020-2024

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Percent
Spanish 4.2
Other Indo-European languages 0.3
Asian and Pacific Islander languages 0.2
Other languages 0

Geographic Mobility

In 2020-2024, 92 % of the people at least one year old living in 48601 were living in the same house one year earlier.

Geographic Mobility of Residents of 48601 in 2020-2024

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Percent
Same house 92
Different house, same county 4.9
Different county, same state 1.6
Different state 1.4
Abroad 0.1

Education

In 2020-2024, 88.6 % of people 25 years and over had at least graduated from high school and 9.9% had a bachelor's degree or higher. An estimated 11.4% did not complete high school.

The total school enrollment in 48601 was 7,866 in 2020-2024. Nursery school enrollment was 389 and kindergarten through 12th grade enrollment was 6,035. College or graduate school enrollment was 1,442.

Educational Attainment of People in 48601 in 2020-2024

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Percent
Less than high school diploma 11.4
High school diploma or equivalency 38.3
Some college, no degree 28.8
Associate's degree 11.7
Bachelor's degree 7.2
Graduate or professional degree 2.7

Disability

In 48601, among the civilian noninstitutionalized population in 2020-2024, 24.7 % reported a disability. The likelihood of having a disability varied by age - from 11.7% of people under 18 years old, to 22.7% of people 18 to 64 years old, and to 45.6% of those 65 and over.


Employment Status and Type of Employer

In 48601, 46.8 % of the population 16 and over were employed; 48.8% were not currently in the labor force.

An estimated 83.1% of the people employed were private wage and salary workers; 11.5% were federal, state, or local government workers; and 5.4 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 9,473 83.1
Federal, state, or local government workers 1,307 11.5
Self-employed workers in own not incorporated business 614 5.4

Industries

In 2020-2024, the civilian employed population 16 years and older in 48601 worked in the following industries:

Percent by Industry in 48601 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 0.5
Construction 5
Manufacturing 14.6
Wholesale trade 1.4
Retail trade 16.3
Transportation and warehousing, and utilities 5.5
Information 0.6
Finance and insurance, and real estate and rental and leasing 3.7
Professional, scientific, and management, and administrative and waste management services 6.5
Educational services, and health care and social assistance 27.3
Arts, entertainment, and recreation, and accommodation, and food services 10.7
Other Services, except public administration 3.9
Public administration 4

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 48601 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 2,495 21.9
Service occupations 2,725 23.9
Sales and office occupations 3,059 26.8
Natural resources, construction, and maintenance occupations 582 5.1
Production, transportation, and material moving occupations 2,533 22.2

Commuting to Work

An estimated 76.9% of 48601 workers drove to work alone in 2020-2024, and 13.2% carpooled. Among those who commuted to work, it took them on average 21 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 48601 in 2020-2024

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Percent
Car, truck, van -- drove alone 76.9
Car, truck, van -- carpooled 13.2
Public transportation (excluding taxicab) 0.1
Walked 2.1
Other means 1
Worked from home 6.6

In 2020-2024, 48601 had a total of 15,924 housing units. Of these housing units, 80.7% were single-family houses either not attached to any other structure or attached to one or more structures (commonly referred to as "townhouses" or "row houses"). 16.2% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 3.1% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 48601 in 2020-2024

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Percent
Single-family houses 80.7
Apartments in multi-unit structures 16.2
Mobile homes 3.1
Boat, RV, van, etc 0

2.5% of the housing inventory was comprised of houses built since 2010, while 23.2% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 48601 was 5.7 rooms, and of these housing units 62.7% had three or more bedrooms.


In 2020-2024, 48601 had 13,323 housing units that were occupied or had people living in them, while the remaining 2,601 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 67.2% while renters occupied 32.8%. The average household size of owner-occupied houses was 2.23 and in renter-occupied houses it was 2.6.

3.3% of householders of these occupied houses had moved into their house since 2021, while 25.9% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 14.7% and another 11.9% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 48601:

House Heating Fuel Used in 48601 in 2020-2024

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Percent
Gas 81.6
Electricity 16.4
Fuel oil, kerosene, etc 0.7
All other fuels 0.7
No fuel used 0.6

In 2020-2024, the median property value for owner-occupied houses in 48601 was $62,800.

Of the owner-occupied households, 34.5 % had a mortgage. 65.5% owned their houses "free and clear," that is without a primary mortgage or loan on the house. The median monthly housing costs for owners with a mortgage was $901 and for owners without a mortgage it was $455.

For renter-occupied houses, the median gross rent for 48601 was $856. Gross rent includes the monthly contract rent and any monthly payments made for electricity, gas, water and sewer, and any other fuels to heat the house.