The 48706 ZIP Code is associated with the city of Bay City in Michigan in Bay County in the United States. The current population estimate is 39,499. It is estimated that about 20.5% of residents in this Michigan region hold a bachelor's degree or higher, while the per capita income is approximately $27,423. The median household income is at $49,244, while an estimated 14% of the population in this ZIP is living below the poverty line.
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The median household income in ZIP Code 48706 is $49,244, while the region's mean household income is $63,763. Breaking income down further, per capita income in the region is $27,423. The per capita income in ZIP Code 48706 of $27,423 is approximately 13.53% less than the per capita income in the U.S. overall of $31,713. An estimated 13.8% of the population is living below the poverty line in this region. This rate is approximately45.26% higher than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 18.7% of the population in 48706 earn $50,000 to $74,999 per year, while an estimated 17.0% earn $35,000 to $49,999 per year, and 2.3% of 48706 residents earn $200,000 or more per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 6.4% |
| $10,000 to $14,999 per year | 4.4% |
| $15,000 to $24,999 per year | 10.3% |
| $25,000 to $34,999 per year | 12.7% |
| $35,000 to $49,999 per year | 17.0% |
| $50,000 to $74,999 per year | 18.7% |
| $75,000 to $99,999 per year | 12.8% |
| $100,000 to $149,999 per year | 11.9% |
| $150,000 to $199,999 per year | 3.5% |
| $200,000 or more per year | 2.3% |
Looking at race in the population that makes up ZIP Code 48706, 97.5% is one race, while 2.5% are two or more races. Approximately 5.6% of 48706 residents are hispanic or Latino (of any race). The most common race in 48706 (race alone or in combination with one or more other races), is White (97.2%), followed by Black or African American (3.0%) .
| Industry | Percent |
|---|---|
| White | 97.2% |
| Black or African American | 3.0% |
| American Indian and Alaska Native | 1.0% |
| Asian | 1.1% |
| Native Hawaiian and Other Pacific Islander | 0.0% |
| Some other race | 0.4% |
Residents of ZIP Code 48706 are older than average. The median age of 42.5 years in ZIP Code 48706 is approximately 11.55% higher than the overall median age in the U.S. of 38.1 years. About 78.6% of residents are aged 18 years and older, and 24.9% of residents are 62 years and over. Approximately 12.5% of the population in 48706 falls in the age group 25 to 34 years, while an estimated 12.1% are aged 45 to 54 years. On the low end of the scale, 2.9% of 48706 residents are aged 85 years and over.
| Age Range | Percent |
|---|---|
| Under 5 years | 5.8% |
| 5 to 9 years | 5.6% |
| 10 to 14 years | 6.3% |
| 15 to 19 years | 5.6% |
| 20 to 24 years | 5.3% |
| 25 to 34 years | 12.5% |
| 35 to 44 years | 11.6% |
| 45 to 54 years | 12.1% |
| 55 to 59 years | 7.2% |
| 60 to 64 years | 7.0% |
| 65 to 74 years | 10.9% |
| 75 to 84 years | 7.3% |
| 85 years and over | 2.9% |
In ZIP Code 48706, 98.1% of the population lists "English only" as the language spoken in home, while 0.7% of lists Spanish. Additionally, Asian and Pacific Islander languages are spoken in 0.6% of homes, and other Indo-European languages are spoken in 0.4% of homes. Lastly, 0.2% of homes list "other languages" as spoken in the home. All percentages referenced are for the population 5 years and older in this Bay County region.
| Language Spoken | Percent |
|---|---|
| English only | 98.1% |
| Spanish | 0.7% |
| Other Indo-European languages | 0.6% |
| Asian and Pacific Islander languages | 0.4% |
| Other languages | 0.2% |
Regarding the age of homes in ZIP Code 48706, an estimated 18.8% of homes were built in 1939 or earlier. Additionally, 16.0% of homes in the region were built between 1950 and 1959, while an estimated 0.7% of homes were built in 2014 or later in this Bay County region.
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 0.7% |
| Built between 2010 and 2013 | 0.8% |
| Built between 2000 and 2009 | 8.4% |
| Built between 1990 and 1999 | 7.4% |
| Built between 1980 and 1989 | 6.8% |
| Built between 1970 and 1979 | 15.7% |
| Built between 1960 and 1969 | 14.9% |
| Built between 1950 and 1959 | 16.0% |
| Built between 1940 and 1949 | 10.5% |
| Built in 1939 or earlier | 18.8% |
In ZIP Code 48706, 91.0% of the population graduated high school, while 20.5% have a bachelor's degree or higher. In this region, 2.9% achieved an education level less than 9th grade, while 7.7% hold a graduate or professional degree. Approximately 33.1% in this Bay County region reached the highest level of high school graduate (including equivalency).
| Education Level | Percent |
|---|---|
| Less than 9th grade | 2.9% |
| 9th to 12th grade, no diploma | 6.1% |
| High school graduate (includes equivalency) | 33.1% |
| Some college, no degree | 26.3% |
| Associate's degree | 11.0% |
| Bachelor's degree | 12.8% |
| Graduate or professional degree | 7.7% |
| Health Issue | Percent of adults* |
|---|
One of the top preventative health measures in ZIP Code 48706 is current access to health insurance, as an estimated 93% of adults 18 and older take part in this preventive measure. Additionally, % of those 18 and above in 48706 list , as a preventive measure.
| Preventive Measure | Percent of adults* |
|---|---|
| Current access to health insurance | 93% |
| Risk Behavior | Percent of adults* |
|---|
Regarding solar power potential, ZIP Code 48706 has an average daily solar radiation level of 4.62 kWh/m2/day. This is approximately 12.14% greater than an area in the U.S. with historically low solar radiation levels (WA), and about 29.89% less than an area in the U.S. with historically high solar radiation levels (AZ).
| Region | Residential | Commercial | Industrial |
|---|---|---|---|
| ZIP Code 48706 | 13.71¢/kWh | 10.71¢/kWh | 6.63¢/kWh |
| Michigan | 19.67¢/kWh | 13.88¢/kWh | 8.19¢/kWh |
| United States | 16.63¢/kWh | 13.39¢/kWh | 8.72¢/kWh |
| Month | ZIP Code 48706 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 2.77 | 1.9 | 5.84 |
| Feb | 3.92 | 3 | 6.31 |
| Mar | 5.05 | 3.65 | 7.02 |
| Apr | 5.44 | 5.13 | 7.3 |
| May | 5.51 | 5.17 | 7.13 |
| Jun | 6.01 | 5.72 | 6.95 |
| Jul | 6.21 | 6.22 | 6.51 |
| Aug | 5.94 | 6.08 | 6.65 |
| Sep | 5.36 | 5.15 | 7.02 |
| Oct | 3.93 | 3.32 | 6.92 |
| Nov | 2.98 | 2.33 | 5.99 |
| Dec | 2.32 | 1.78 | 5.46 |
Regarding consumer complaints about financial products in ZIP Code 48706, credit reporting or credit repair services have received the most complaints in 48706 in the past 12 months. Debt collection received the second most complaints. The most frequent complaint overall in this Bay County region was improper use of a report.
| Complaint Product | Number of Complaints* |
|---|---|
| Credit reporting or credit repair services | 15 |
| Debt collection | 13 |
| Credit reporting or other personal consumer reports | 12 |
| Checking or savings account | 6 |
| Credit card or prepaid card | 4 |
| Other | 9 |
| Complaint Issue | Number of Complaints* |
|---|---|
| Improper use of your report | 14 |
| Incorrect information on your report | 7 |
| Attempts to collect debt not owed | 5 |
| Managing an account | 5 |
| Communication tactics | 3 |
| Other | 25 |
In 48706, 57.8% of the population is in the labor force. Recent estimates place 2.9% as working from home, while the total labor force in the region has a mean travel to time to work of 21.0 minutes. Approximately 28.4% of the employed population 16 years and over in 48706 work in educational services, and health care and social assistance, while an estimated 15.0% work in manufacturing. On the lower end of the scale, just 0.5% of 48706 workers 16 years and over work in agriculture, forestry, fishing and hunting, and mining.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 0.5% |
| Construction | 5.5% |
| Manufacturing | 15.0% |
| Wholesale trade | 4.2% |
| Retail trade | 11.3% |
| Transportation and warehousing, and utilities | 5.7% |
| Information | 1.8% |
| Finance and insurance, and real estate and rental and leasing | 3.4% |
| Professional, scientific, management, and administrative | 6.7% |
| Educational services, and health care and social assistance | 28.4% |
| Arts, entertainment, and recreation, and accommodation and food services | 9.5% |
| Other services, except public administration | 5.2% |
| Public administration | 2.8% |