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ZIP Code 48638

Saginaw, Michigan

FIPS 48638

Juniper

ZIP Code 48638 is in the top 18% nationally for appreciation 1yr %. It also sits in the top 23% nationally for HPI growth 5yr %. And it sits in the top 37% nationally for price-to-income ratio.

Median Home Value

$172,600

Lower than 59% of U.S. ZIP codes

HPI Growth 5yr %

53%

Higher than 77% of U.S. ZIP codes

FEMA Risk Score

63.2

Near the U.S. ZIP codes median

The basics

Total Population

12,875

Median Age

43.6

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$172,600

Lower than 59%

Median Property Tax

$2,545

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

2.48

Lower than 63%

Median Rent

$949

Near median

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

53%

Higher than 77%

Appreciation 1yr %

4.6%

Higher than 82%

Pandemic Gain %

46%

Recession Drop %

-30%

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

63.2

Near median

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 48638: frequently asked questions

What is the median home value in ZIP Code 48638?
The median home value in ZIP Code 48638 is $172,600, lower than 59% of U.S. ZIP codes.
How much is property tax in ZIP Code 48638?
The median annual property tax in ZIP Code 48638 is $2,545, an effective rate of 1% of home value.
Is ZIP Code 48638 expensive to live in?
Homes in ZIP Code 48638 cost about 2.48× the median household income, lower than 63% of U.S. ZIP codes.
What is the average rent in ZIP Code 48638?
The median gross rent in ZIP Code 48638 is $949 a month, near the U.S. ZIP codes median.
How much have home prices grown in ZIP Code 48638?
Home prices in ZIP Code 48638 have moved 53% over the past five years (4.6% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 48638?
ZIP Code 48638 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 48638 at risk of flooding or natural disasters?
ZIP Code 48638's FEMA National Risk Index score is 63.2 (near the U.S. ZIP codes median). 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 →