Zip Code 48706
Bay City, Michigan — Bay County
📍 ZIP code 48706 is in Bay City, Bay County, Michigan.
ZIP code 48706 is located in Bay City, Bay County, Michigan. It is a zip code in the Eastern (EST/EDT) Time Zone with an estimated population of 38,756. The area code for ZIP code 48706 is 517.
Quick Answer
Zip code 48706 is in Bay City, Michigan (Bay County). It has a population of 38,756, median household income of $61,908, and median home value of $142,300.
Population
38,756
Income
$61,908
Home Value
$142,300
Climate
83°F / 14°F
About Zip Code 48706
Zip code 48706 is located in Bay City, Michigan, within Bay County. Home to approximately 38,756 residents, this area sits at an elevation of 599 ft and falls within the Eastern (EST/EDT) timezone. The local area code is 517.
The median household income is $61,908 per year, which is below the national median of $70,784. Homes in this zip code have a median value of $142,300, and the cost of living index is 60 (40% below the national average of 100).
Summers average a high of 83°F while winters drop to 14°F. The area receives about 42 in of rain and 13 in of snow annually. The zip code covers 67 square miles of land area and 7.2 square miles of water.
Key Statistics
38,756
$61,908
$142,300
Eastern (EST/EDT)
517
599 ft
67 sq mi
44.8
18,163
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Compare With Nearby Zip Codes
| Metric | 48706 | 48708 | 48631 | 48604 | 48611 | 48732 |
|---|---|---|---|---|---|---|
| City | Bay City, MI | Bay City, MI | Kawkawlin, MI | Saginaw, MI | Auburn, MI | Bay City, MI |
| Population | 38,756 | 25,751 | 4,058 | 11,284 | 6,013 | 11,308 |
| Median Income | $61,908 | $50,216 | $77,813 | $53,804 | $80,511 | $53,466 |
| Home Value | $142,300 | $98,500 | $164,400 | $93,200 | $166,500 | $160,200 |
| Cost of Living | 60 | 60 | 74 | 60 | 75 | 60 |
| Median Age | 44.8 | 41.7 | 48.7 | 26.8 | 45.3 | 44.5 |
Cost of Living
100 = National Average. Bay City's cost of living is 40% below the national average.
vs. State Avg
Below
Affordability
Very Affordable
Income-to-Home
2.3x
Demographics
Zip code 48706 has a population of 38,756 people with a median age of 44.8. There are 18,163 housing units in this area.
Racial & Ethnic Composition
Source: U.S. Census Bureau American Community Survey estimates.
Population History
Bay City (48706) population trend from 2010 to 2024
↑ 68.3%Source: U.S. Census Bureau estimates and American Community Survey data.
Climate & Weather
83°F
14°F
42 in
13 in
Bay City experiences warm summers with average highs around 83°F. Winters are cold with lows averaging 14°F. The area receives about 13 in of snow per year.
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Housing & Economy
Median Home Value
$142,300
Median Household Income
$61,908
With 18,163 housing units across 67 square miles, 48706 has a housing density of 271 units per square mile. The home price-to-income ratio is 2.3x.
Location & Geography
Latitude
43.5996°
Longitude
-83.9505°
Land Area
67 sq mi
Water Area
7.2 sq mi
Nearby Zip Codes
Zip codes closest to 48706 (Bay City, MI) with distances:
All Zip Codes in Bay City, MI
Other zip codes serving Bay City:
ZIP Codes with Similar Income Nationwide
The five U.S. ZIP codes whose median household income is closest to 48706's $61,908. A way to compare Bay City to economically similar communities elsewhere in the country.
Computed from U.S. Census Bureau ACS 5-Year Estimates by the Zip Code Near Me Data Team.
ZIP Codes with Similar Demographics
The five U.S. ZIP codes whose racial and ethnic composition most closely matches 48706 (Bay City, MI). Similarity is measured by cosine distance on the five-category ACS demographic vector.
Computed from U.S. Census Bureau ACS 5-Year Estimates by the Zip Code Near Me Data Team.
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People Also Ask
What zip code is Bay City, Michigan?
Bay City, Michigan uses zip code 48706 along with 2 other zip codes.
What county is zip code 48706 in?
Zip code 48706 is located in Bay County, Michigan.
What is the population of zip code 48706?
The population of zip code 48706 is 38,756 with a median age of 44.8.
Is 48706 in Bay City, Michigan?
Yes, zip code 48706 is in Bay City, Bay County, Michigan. The area code is 517.
Frequently Asked Questions
What city is zip code 48706 in?
Zip code 48706 is in Bay City, Michigan. It is part of Bay County and uses the Eastern (EST/EDT) timezone.
What is zip code 48706?
Zip code 48706 is a U.S. postal code in Bay City, Michigan (Bay County). It has a population of 38,756 and covers 67 square miles.
What is the population of zip code 48706?
The population of zip code 48706 (Bay City, MI) is 38,756 with a median age of 44.8. There are approximately 18,163 housing units in this area.
What is the median income in zip code 48706?
The median household income in zip code 48706 (Bay City, MI) is $61,908 per year. The cost of living index is 60 (100 = national average).
What is the average home price in zip code 48706?
The median home value in zip code 48706 (Bay City, MI) is $142,300. The cost of living index is 60 compared to the national average of 100.
What county is zip code 48706 in?
Zip code 48706 is located in Bay County, Michigan. The primary city is Bay City.
What is the area code for zip code 48706?
Zip code 48706 in Bay City, MI uses area code 517. It is located in the Eastern (EST/EDT) timezone.
Is zip code 48706 a good place to live?
Zip code 48706 (Bay City, MI) has a cost of living index of 60 (100 = national average), a median household income of $61,908, and median home values of $142,300. The median age is 44.8. Visit the full page for demographics, climate, and nearby zip code comparisons.
What is the cost of living in zip code 48706?
The cost of living index for zip code 48706 (Bay City, MI) is 60, where 100 represents the national average. This area is below the national average. Median home value: $142,300.
What schools serve zip code 48706?
Zip code 48706 in Bay City, Michigan is served by the local school district of Bay County. For specific school information, check your state's department of education or GreatSchools.org.
All demographic data on this page is sourced from the U.S. Census Bureau American Community Survey (ACS) 5-Year Estimates. ZIP code boundary and delivery data is sourced from the United States Postal Service (USPS). Data is updated periodically and may not reflect the most current figures. Census Bureau ZIP Code Tabulation Areas (ZCTAs) may differ slightly from USPS ZIP code boundaries.
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Data Sources
- Population, income, housing, age, and demographics
- U.S. Census Bureau, American Community Survey 5-Year Estimates, 2019-2023 vintage.
- ZIP to city and county mapping
- USPS and HUD-USPS ZIP-County Crosswalk.
- Time zones and area codes
- IANA tz database and NANPA.
- Elevation
- U.S. Geological Survey National Elevation Dataset (NED), via the USGS Elevation Point Query Service. Mapped to each ZCTA centroid coordinates. Last refreshed 2026-05-19.
- Last refreshed
- 2026-05-18.