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ZIP Code 48609

Saginaw, Michigan

FIPS 48609

Juniper

ZIP Code 48609 is in the top 23% nationally for appreciation 1yr %. It also sits in the top 29% nationally for price-to-income ratio. And it sits in the top 30% nationally for HPI growth 5yr %.

Median Home Value

$170,800

Lower than 60% of U.S. ZIP codes

HPI Growth 5yr %

48%

Higher than 70% of U.S. ZIP codes

FEMA Risk Score

54.8

Lower than 63% of U.S. ZIP codes

The basics

Total Population

11,966

Median Age

49

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$170,800

Lower than 60%

Median Property Tax

$2,670

Effective Tax Rate

2%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

2.18

Lower than 71%

Median Rent

$929

Near median

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

48%

Higher than 70%

Appreciation 1yr %

3.3%

Higher than 77%

Pandemic Gain %

42%

Recession Drop %

-23%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

81.1

Winter Avg Low (°F)

18.6

Avg Temperature (°F)

48.3

Hot Days/yr (>90°F)

13.4

Freezing Days/yr (<32°F)

142.8

Annual Precipitation (in)

34

Annual Snowfall (in)

40.7

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

54.8

Lower than 63%

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Environment & Risk

ZIP Code 48609: frequently asked questions

What is the median home value in ZIP Code 48609?
The median home value in ZIP Code 48609 is $170,800, lower than 60% of U.S. ZIP codes.
How much is property tax in ZIP Code 48609?
The median annual property tax in ZIP Code 48609 is $2,670, an effective rate of 2% of home value.
Is ZIP Code 48609 expensive to live in?
Homes in ZIP Code 48609 cost about 2.18× the median household income, lower than 71% of U.S. ZIP codes.
What is the average rent in ZIP Code 48609?
The median gross rent in ZIP Code 48609 is $929 a month, near the U.S. ZIP codes median.
How much have home prices grown in ZIP Code 48609?
Home prices in ZIP Code 48609 have moved 48% over the past five years (3.3% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 48609?
ZIP Code 48609 averages 48.3°F year-round, summer highs near 81.1°F, winter lows around 18.6°F (NOAA 1991–2020 normals). It sees about 40.7 inches of snow a year.
Is ZIP Code 48609 at risk of flooding or natural disasters?
ZIP Code 48609's FEMA National Risk Index score is 54.8 (lower than 63% of U.S. ZIP codes). Its greatest modeled natural hazard is tornado.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →