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ZIP Code 48649

Saginaw, Michigan

ZCTA 48649

Juniper

ZIP Code 48649 is in the lowest 26% nationally for FEMA risk score. It also sits in the lowest 5% nationally for typical home value. And it sits in the lowest 22% nationally for home price against income.

Typical Home Valuemedian home value (ACS), re-priced to today on the FHFA index

$152,503

Lower than 95% of U.S. ZIP codes
Home Price Growth, Past Five Years

55%

Higher than 56% of U.S. ZIP codes
FEMA Risk Score0–100; 0 = lowest modelled risk, 100 = highest, vs places of the same type

44.7

Lower than 74% of U.S. ZIP codes

The boundary of ZIP Code 48649, in Saginaw, Michigan.

The basics

Total Population

1,699

Median Age

51.3

Population Density

61.81

Home values & property tax

Median Property Tax

$2,026

Property Tax Rateyearly tax as a share of home value

1.2%

Cost of living & affordability

Home Price vs Incomeyears of income to buy a typical home

2.26×

Lower than 78% of U.S. ZIP codes
Median Income

$72,609

Near the U.S. ZIP codes median
Median Rent

$799

Lower than 77% of U.S. ZIP codes

Home prices & appreciation

Pandemic Price Run-Up2019–20 low → 2022–23 peak

82%

2008 Crash: Peak-to-Trough Drophow far prices fell, 2007 → 2011

32%

Climate & weather

Summer Avg High (°F)

80

Winter Avg Low (°F)

18.2

Avg Temperature (°F)

47.6

Hot Days/yr (>90°F)

7.7

Freezing Days/yr (<32°F)

149.2

Annual Precipitation (in)

34.3

Annual Snowfall (in)

38.3

Flood & disaster risk

FEMA Risk Score0–100; 0 = lowest modelled risk, 100 = highest, vs places of the same type

44.7

Lower than 74% of U.S. ZIP codes

The full report

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

  • People

  • Work & Money

  • Housing

  • Amenities

  • Climate

  • Environment & Risk

ZIP Code 48649: frequently asked questions

What is the typical home value in ZIP Code 48649?
The estimated median home value in ZIP Code 48649 today is $152,503, lower than 95% of U.S. ZIP codes.
How much is property tax in ZIP Code 48649?
The median annual property tax in ZIP Code 48649 is $2,026, an effective rate of 1.2% of home value.
Is ZIP Code 48649 expensive to live in?
Homes in ZIP Code 48649 cost about 2.26× the median household income, lower than 78% of U.S. ZIP codes.
What is the average rent in ZIP Code 48649?
The median gross rent in ZIP Code 48649 is $799 a month, lower than 77% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 48649?
Home prices in ZIP Code 48649 have moved 55% over the past five years, per the FHFA House Price Index.
How many people live in ZIP Code 48649?
ZIP Code 48649 has a population of 1,699, about 61.81 people per square mile, per the U.S. Census American Community Survey. The median age is 51.3.
What is the weather like in ZIP Code 48649?
ZIP Code 48649 averages 47.6°F year-round, summer highs near 80°F, winter lows around 18.2°F (NOAA 1991–2020 normals). It sees about 38.3 inches of snow a year.
Is ZIP Code 48649 at risk of flooding or natural disasters?
ZIP Code 48649's FEMA National Risk Index score is 44.7 (lower than 74% of U.S. ZIP codes). Its greatest modeled natural hazard is inland flooding.

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

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