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ZIP Code 48631

Bay, Michigan

FIPS 48631

Juniper

ZIP Code 48631 is in the top 7% nationally for appreciation 1yr %. It also sits in the top 22% nationally for HPI growth 5yr %. And it sits in the top 25% nationally for FEMA risk score.

Median Home Value

$172,200

Lower than 59% of U.S. ZIP codes

HPI Growth 5yr %

54%

Higher than 78% of U.S. ZIP codes

FEMA Risk Score

42.7

Lower than 75% of U.S. ZIP codes

The basics

Total Population

3,681

Median Age

50.7

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$172,200

Lower than 59%

Median Property Tax

$2,400

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

2.31

Lower than 68%

Median Rent

$820

Lower than 58%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

54%

Higher than 78%

Appreciation 1yr %

8.8%

Higher than 93%

Pandemic Gain %

41%

Recession Drop %

-21%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

80.6

Winter Avg Low (°F)

16.8

Avg Temperature (°F)

47.1

Hot Days/yr (>90°F)

12.4

Freezing Days/yr (<32°F)

157.9

Annual Precipitation (in)

33.1

Annual Snowfall (in)

49

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

42.7

Lower than 75%

EAL Flood/Coastal per $1K

0.01

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 48631: frequently asked questions

What is the median home value in ZIP Code 48631?
The median home value in ZIP Code 48631 is $172,200, lower than 59% of U.S. ZIP codes.
How much is property tax in ZIP Code 48631?
The median annual property tax in ZIP Code 48631 is $2,400, an effective rate of 1% of home value.
Is ZIP Code 48631 expensive to live in?
Homes in ZIP Code 48631 cost about 2.31× the median household income, lower than 68% of U.S. ZIP codes.
What is the average rent in ZIP Code 48631?
The median gross rent in ZIP Code 48631 is $820 a month, lower than 58% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 48631?
Home prices in ZIP Code 48631 have moved 54% over the past five years (8.8% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 48631?
ZIP Code 48631 averages 47.1°F year-round, summer highs near 80.6°F, winter lows around 16.8°F (NOAA 1991–2020 normals). It sees about 49 inches of snow a year.
Is ZIP Code 48631 at risk of flooding or natural disasters?
ZIP Code 48631's FEMA National Risk Index score is 42.7 (lower than 75% of U.S. ZIP codes). Its greatest modeled natural hazard is tornado. Expected annual loss from flooding is 0.01 per $1,000 of building value.

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