48609 Zip Code Detailed Profile




City: Shields, MI (13.73%)
County: Saginaw County, MI
Estimated zip code population in 2013: 11,952
Zip code population in 2010: 12,461
Zip code population in 2000: 12,303

Houses and condos: 5,030
Renter-occupied apartments: 542
% of renters here:

11%
State:

29%
Mar. 2013 cost of living index in zip code 48609: 84.2 (less than average, U.S. average is 100)

Land area: 44.6 sq. mi.
Water area: 3.4 sq. mi.
Population density: 268 people per square mile 
 
 (very low).

Age and Sex of Residents in zip code 48609
Zip code 48609 (Shields, Michigan) real estate house value trends
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Real estate property taxes paid for housing units in 2013:
This zip code:

1.6% ($1,941)
Michigan:

1.8% ($2,090)
Median real estate property taxes paid for housing units with mortgages in 2013: $1,993 (1.5%)
Median real estate property taxes paid for housing units with no mortgage in 2013: $1,862 (1.7%)

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Males: 5,949  (49.8%)
Females: 6,003  (50.2%)

For population 25 years and over in 48609:

For population 15 years and over in 48609:

Zip code 48609 compared to state average:

  • Black race population percentage significantly below state average.
  • Median age above state average.
  • Foreign-born population percentage significantly below state average.
  • Renting percentage significantly below state average.
  • Races in zip code 48609

  • Zip code 48609 races chart
    • 11,652White population
    • 100Black population
    • 28American Indian population
    • 93Asian population
    • 1Native Hawaiian and Other Pacific Islander population
    • 6Some other race population
    • 100Two or more races population
    • 481Hispanic or Latino population

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48609, MI forum
Discuss zip code 48609 area on our local forum with over 1,800,000 registered users
Urban population: 7,491
Rural population: 4,460

Estimated median house/condo value in 2013: $122,700
48609:

$122,700
Michigan:

$117,500



According to our research of Michigan and other state lists there were 10 registered sex offenders living in 48609 zip code as of September 05, 2015.
The ratio of number of residents in zip code 48609 to the number of sex offenders is 1,336 to 1.
The number of registered sex offenders compared to the number of residents in this zip code is smaller than the state average.


Median resident age:
This zip code:

47.0 years
Michigan median age:

39.6 years
Average household size:
This zip code:

2.5 people
Michigan:

2.5 people

Averages for the 2012 tax year for zip code 48609, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $60,842 (Individual Income Tax Returns)
Here:

$60,842
State:

$55,609

Salary/wage: $48,173 (reported on 77.7% of returns)
Here:

$48,173
State:

$46,782
(% of AGI for various income ranges: 57.3% for AGIs below $25k, 61.5% for AGIs $25k-50k, 64.8% for AGIs $50k-75k, 70.6% for AGIs $75k-100k, 74.4% for AGIs $100k-200k, 46.4% for AGIs over 200k)

Taxable interest for individuals: $1,481 (reported on 46.7% of returns)
This zip code:

$1,481
Michigan:

$1,491
(% of AGI for various income ranges: 1.9% for AGIs below $25k, 0.9% for AGIs $25k-50k, 0.8% for AGIs $50k-75k, 0.7% for AGIs $75k-100k, 0.9% for AGIs $100k-200k, 1.6% for AGIs over 200k)

Ordinary dividends: $4,061 (reported on 23.4% of returns)
Here:

$4,061
State:

$6,225
(% of AGI for various income ranges: 2.0% for AGIs below $25k, 1.3% for AGIs $25k-50k, 1.1% for AGIs $50k-75k, 1.2% for AGIs $75k-100k, 1.2% for AGIs $100k-200k, 2.4% for AGIs over 200k)

Net capital gain/loss in AGI: +$5,156 (reported on 18.6% of returns)
Here:

+$5,156
State:

+$9,326
(% of AGI for various income ranges: 0.1% for AGIs $50k-75k, 0.6% for AGIs $75k-100k, 0.8% for AGIs $100k-200k, 4.8% for AGIs over 200k)

Profit/loss from business: +$13,625 (reported on 12.7% of returns)
Here:

+$13,625
State:

+$11,523
(% of AGI for various income ranges: 5.0% for AGIs below $25k, 2.3% for AGIs $25k-50k, 2.1% for AGIs $50k-75k, 1.2% for AGIs $75k-100k, 2.7% for AGIs $100k-200k, 3.9% for AGIs over 200k)

Taxable individual retirement arrangement distribution: $11,173 (reported on 15.8% of returns)
48609:

$11,173
Michigan:

$15,298
(% of AGI for various income ranges: 4.7% for AGIs below $25k, 3.7% for AGIs $25k-50k, 3.6% for AGIs $50k-75k, 3.8% for AGIs $75k-100k, 3.0% for AGIs $100k-200k, 1.0% for AGIs over 200k)

Self-employment retirement plans: $15,250 (reported on 0.6% of returns)
48609:

$15,250
Michigan:

$20,834

Total itemized deductions: $21,955 (17% of AGI, reported on 29.3% of returns)
Here:

$21,955
State:

$21,628

Here:

17.0% of AGI
State:

18.4% of AGI
(% of AGI for various income ranges: 7.8% for AGIs below $25k, 8.7% for AGIs $25k-50k, 9.9% for AGIs $50k-75k, 11.0% for AGIs $75k-100k, 12.6% for AGIs $100k-200k, 10.8% for AGIs over 200k)

Charity contributions: $3,829 (reported on 24.8% of returns)
Here:

$3,829
State:

$4,225
(% of AGI for various income ranges: 0.8% for AGIs below $25k, 1.1% for AGIs $25k-50k, 1.3% for AGIs $50k-75k, 1.4% for AGIs $75k-100k, 2.0% for AGIs $100k-200k, 1.9% for AGIs over 200k)

Taxes paid: $9,228 (reported on 29.3% of returns)
48609:

$9,228
State:

$8,327
(% of AGI for various income ranges: 1.5% for AGIs below $25k, 2.2% for AGIs $25k-50k, 3.1% for AGIs $50k-75k, 3.9% for AGIs $75k-100k, 5.3% for AGIs $100k-200k, 6.6% for AGIs over 200k)

Earned income credit: $1,879 (reported on 11.3% of returns)
Here:

$1,879
State:

$2,306
(% of AGI for various income ranges: 3.3% for AGIs below $25k, 0.7% for AGIs $25k-50k)

Averages for the 2004 tax year for zip code 48609, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $50,784 (Individual Income Tax Returns)
Here:

$50,784
State:

$48,204

Salary/wage: $43,830 (reported on 83.4% of returns)
Here:

$43,830
State:

$42,791
(% of AGI for various income ranges: 79.7% for AGIs below $10k, 56.9% for AGIs $10k-25k, 66.4% for AGIs $25k-50k, 77.2% for AGIs $50k-75k, 83.2% for AGIs $75k-100k, 69.4% for AGIs over 100k)

Taxable interest for individuals: $1,595 (reported on 61.4% of returns)
This zip code:

$1,595
Michigan:

$1,725
(% of AGI for various income ranges: 6.3% for AGIs below $10k, 3.6% for AGIs $10k-25k, 1.9% for AGIs $25k-50k, 1.3% for AGIs $50k-75k, 1.0% for AGIs $75k-100k, 2.1% for AGIs over 100k)

Taxable dividends: $2,650 (reported on 30.8% of returns)
Here:

$2,650
State:

$3,420
(% of AGI for various income ranges: 4.1% for AGIs below $10k, 1.6% for AGIs $10k-25k, 1.3% for AGIs $25k-50k, 0.9% for AGIs $50k-75k, 0.7% for AGIs $75k-100k, 2.4% for AGIs over 100k)

Net capital gain/loss: +$4,076 (reported on 22.4% of returns)
Here:

+$4,076
State:

+$8,532
(% of AGI for various income ranges: -1.3% for AGIs below $10k, 0.5% for AGIs $10k-25k, 0.5% for AGIs $25k-50k, 0.7% for AGIs $50k-75k, 1.3% for AGIs $75k-100k, 3.4% for AGIs over 100k)

Profit/loss from business: +$11,536 (reported on 13.4% of returns)
Here:

+$11,536
State:

+$9,547
(% of AGI for various income ranges: -0.8% for AGIs below $10k, 3.4% for AGIs $10k-25k, 1.7% for AGIs $25k-50k, 1.6% for AGIs $50k-75k, 2.2% for AGIs $75k-100k, 4.6% for AGIs over 100k)

IRA payment deduction: $3,036 (reported on 2.7% of returns)
48609:

$3,036
Michigan:

$2,875
(% of AGI for various income ranges: 0.3% for AGIs $10k-25k, 0.3% for AGIs $25k-50k, 0.2% for AGIs $50k-75k, 0.1% for AGIs $75k-100k, 0.1% for AGIs over 100k)

Self-employed pension: $16,841 (reported on 0.7% of returns)
Here:

$16,841
Michigan:

$13,826

Total itemized deductions: $17,785 (19% of AGI, reported on 37.0% of returns)
Here:

$17,785
State:

$18,509

Here:

19.2% of AGI
State:

20.7% of AGI
(% of AGI for various income ranges: 11.5% for AGIs below $10k, 9.9% for AGIs $10k-25k, 11.0% for AGIs $25k-50k, 13.8% for AGIs $50k-75k, 14.0% for AGIs $75k-100k, 13.5% for AGIs over 100k)

Charity contributions deductions: $3,143 (3% of AGI, reported on 34.1% of returns)
Here:

$3,143
State:

$3,365

Here:

3.3% of AGI
State:

3.6% of AGI
(% of AGI for various income ranges: 0.9% for AGIs below $10k, 1.0% for AGIs $10k-25k, 1.4% for AGIs $25k-50k, 2.0% for AGIs $50k-75k, 2.2% for AGIs $75k-100k, 2.6% for AGIs over 100k)

Total tax: $7,988 (reported on 78.9% of returns)
48609:

$7,988
State:

$7,691
(% of AGI for various income ranges: 2.3% for AGIs below $10k, 3.9% for AGIs $10k-25k, 6.8% for AGIs $25k-50k, 8.9% for AGIs $50k-75k, 10.5% for AGIs $75k-100k, 19.0% for AGIs over 100k)

Earned income credit: $1,390 (reported on 8.8% of returns)
Here:

$1,390
State:

$1,737

Percentage of individuals using paid preparers for their 2004 taxes: 64.7%
Here:

65%
State:

60%
(% for various income ranges: 53.8% for AGIs below $10k, 63.2% for AGIs $10k-25k, 66.4% for AGIs $25k-50k, 69.5% for AGIs $50k-75k, 64.9% for AGIs $75k-100k, 78.1% for AGIs over 100k)

Estimated median household income in 2013:
This zip code:

$53,557
Michigan:

$48,273
Shields, MI (48609) map Nearest zip codes: 48638, 48603, 48602, 48655, 48626, 48623.
Percentage of family households:
This zip code:

50.4%
Michigan:

49.0%
Percentage of households with unmarried partners:
This zip code:

4.5%
Michigan:

6.4%
No gay or lesbian households reported

Household received Food Stamps/SNAP in the past 12 months: 225
Household did not receive Food Stamps/SNAP in the past 12 months: 4,535


Women who had a birth in the past 12 months: 105 (73 now married, 32 unmarried)
Women who did not have a birth in the past 12 months: 2,346 (1,195 now married, 1,151 unmarried)


Housing units in zip code 48609 with a mortgage: 2,404 (80 second mortgage, 371 home equity loan, 23 both second mortgage and home equity loan)
Houses without a mortgage: 1,814

Median monthly owner costs for units with a mortgage: $1,233
Median monthly owner costs for units without a mortgage: S467

Residents with income below the poverty level in 2013:
This zip code:

5.1%
Whole state:

17.0%
Residents with income below 50% of the poverty level in 2013:
This zip code:

3.0%
Whole state:

9.1%
Median number of rooms in houses and condos:
Here:

6.3
State:

6.4
Median number of rooms in apartments:
Here:

4.0
State:

4.5
  • Notable locations in this zip code not listed on our city pages

  • Click to draw/clear zip code borders
  • Notable locations in zip code 48609: Paines Station (A), Mueller's Valley View Farm Golf Course (B), Crooked Creek Golf Course (C), Swan Valley Golf Course (D), Tri - Township Fire Department Station 3 (E), Thomas Township Police Department (F), Thomas Township Library (G), Thomas Township Fire Department Station 1 (H), James Township Fire Department (I). Display/hide their locations on the map

    Churches in zip code 48609 include: Swan Valley Church (A), Saint Mark Lutheran Church (B), Community Baptist Church (C), Ascension Lutheran Church (D), Holy Spirit Catholic Church (E), Christ Church (F). Display/hide their locations on the map

    Cemetery: Owen Cemetery (1). Display/hide its location on the map

    Rivers and creeks: Bad River (A), Fairchild Creek (B), Swan Creek (C), Williams Creek (D), Flint River (E), Marsh Creek (F). Display/hide their locations on the map

    Parks in zip code 48609 include: Day Park (1), Shields Men's Club Park (2), Roethke Park (3), Roberts Community Park (4). Display/hide their locations on the map

Year house built

  • 02010 or later
  • 6702000 to 2009
  • 8851990 to 1999
  • 3061980 to 1989
  • 1,1031970 to 1979
  • 1,0161960 to 1969
  • 4321950 to 1959
  • 1941940 to 1949
  • 4241939 or earlier

Zip code 48609 satellite photo by USGS

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in Shields, MI (48609)

  • 13no bedroom
  • 511 bedroom
  • 7432 bedrooms
  • 2,6083 bedrooms
  • 7074 bedrooms
  • 965+ bedrooms

Bedrooms in renter-occupied apartments in Shields, MI (48609)

  • 0no bedroom
  • 1901 bedroom
  • 2722 bedrooms
  • 633 bedrooms
  • 174 bedrooms
  • 05+ bedrooms
Owner-occupied Renter-occupied

Cars and other vehicles available in Shields, MI (48609) in owner-occupied houses/condos

  • 119no vehicle
  • 1,1771 vehicle
  • 1,7992 vehicles
  • 7893 vehicles
  • 2274 vehicles
  • 1075+ vehicles

Cars and other vehicles available in Shields, MI (48609) in renter-occupied apartments

  • 125no vehicle
  • 2581 vehicle
  • 1362 vehicles
  • 83 vehicles
  • 44 vehicles
  • 115+ vehicles

Median gross rent in 2013: $713.

Estimated median house (or condo) value in 2013 for:


Estimated median house or condo value in 2013: $122,700
48609:

$122,700
Michigan:

$117,500
Lower value quartile - upper value quartile: $85,400 - $173,100

Mean price in 2013:

Detached houses: $115,531
Here:

$115,531
State:

$159,597

Townhouses or other attached units: $240,795
Here:

$240,795
State:

$138,735

In 2-unit structures: $67,005
Here:

$67,005
State:

$89,877

In 3-to-4-unit structures: $51,553
Here:

$51,553
State:

$110,373

In 5-or-more-unit structures: $164,444
Here:

$164,444
State:

$119,825

Mobile homes: $41,817
Here:

$41,817
State:

$33,033

Occupied boats, RVs, vans, etc.: $30,466
Here:

$30,466
State:

$40,667

Owners and renters by unit type in %

Breakdown of mean house values by ages of householders

Housing units in structures:


Unemployment: 9.7%

Percentage of zip code residents living and working in this county: 85.7%

Household type by relationship:

Households: 11,799

Size of family households: 1,621 2-persons, 649 3-persons, 658 4-persons, 270 5-persons, 75 6-persons, 14 7-or-more-persons

Size of nonfamily households: 1,351 1-person, 118 2-persons, 4 3-persons

1,572 married couples with children.
550 single-parent households (278 men, 272 women).

96.9% of residents of 48609 zip code speak English at home.
1.8% of residents speak Spanish at home (75% very well, 18% well, 7% not at all).
0.7% of residents speak other Indo-European language at home (59% very well, 34% well, 7% not well).
0.2% of residents speak Asian or Pacific Island language at home (48% very well, 52% well).
0.4% of residents speak other language at home (64% very well, 28% well, 8% not well).

Foreign born population: 199 (1.7%)
(86.4% of them are naturalized citizens)
This zip code:

1.7%
Whole state:

6.2%

Most common places of birth for the foreign-born residents

  • 21%Jordan
  • 20%India
  • 13%Japan
  • 9%Canada
  • 9%Other Eastern Europe
  • 6%Germany
  • 5%China, excluding Hong Kong and Taiwan

Most common first ancestries reported in 48609 (%)

  • 28%German
  • 8%Other groups
  • 8%Irish
  • 8%English
  • 7%Polish
  • 5%American
  • 3%French (except Basque)

Year of entry for the foreign-born population

  • 82010 or later
  • 262000 to 2009
  • 761990 to 1999
  • 110Before 1990

Zip code 48609 topographic map

Public primary/middle schools in zip code 48609 not listed on the city page:

  • SWAN VALLEY MIDDLE SCHOOL (Students: 396; Location: 453 VAN WORMER ROAD, SAGINAW, MI; Grades: 06 - 08)
  • SHIELDS ELEMENTARY SCHOOL (Students: 367; Location: 6900 STROEBEL ROAD, SAGINAW, MI; Grades: KG - 05)
  • ROBERT B. HAVENS ELEM. SCHOOL (Students: 343; Location: 457 VAN WORMER ROAD, SAGINAW, MI; Grades: PK - 05)

Private primary/middle school not listed on the city page:

  • CHRIST LUTHERAN SCHOOL (Students: 19; Location: 8795 EDERER ROAD, SAGINAW, MI; Grades: 1 - 8)

Facilities with environmental interests located in this zip code:


Zip code 48609 marital status for males
Zip code 48609 marital status for females

Housing units lacking complete plumbing facilities: 0.7%
Housing units lacking complete kitchen facilities: 0.7%

Most commonly used house heating fuel

  • 86%Utility gas
  • 9%Electricity
  • 2%Bottled, tank, or LP gas
  • 1%Wood

Place of birth for U.S.-born residents:


68% of the 48609 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 78% lived in this county.
   Out of people who lived in different counties, 50% lived in Michigan.

92% of the 48609 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 87% moved from this county.
   Out of people who lived in different houses, 6% moved from different county within same state.
   Out of people who lived in different houses, 7% moved from different state.

Year Householders Moved Into Unit

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 84
Here:

8.0%
Michigan:

10.2%
Students in private schools in grades 9 to 12 (high school): 45
Here:

6.1%
Michigan:

8.6%
Students in private undergraduate colleges: 132
Here:

19.8%
Michigan:

14.1%

Educational Attainment (%)

School Enrollment by Level of School (%)

Class of Workers (%)

Occupation by median earnings in the past 12 months ($)

  • 75,125Legal occupations
  • 73,875Architecture and engineering occupations
  • 61,875Health diagnosing and treating practitioners and other technical occupations
  • 61,823Management occupations
  • 59,609Law enforcement workers including supervisors
  • 54,167Installation, maintenance, and repair occupations

Companies with federal contracts located in this zip code:

Top industries in this zip code by the number of employees in 2005:


Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)

Age and Sex of Physically-Disabled Residents (Noninstitutionalized)

Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)

Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)

Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)

Age and Sex of Residents with Employment Disability (Noninstitutionalized)

People in group quarters in 2010:

  • 93 people in nursing facilities/skilled-nursing facilities
  • 11 people in group homes intended for adults
  • 4 people in other noninstitutional facilities

People in group quarters in 2000:

  • 106 people in nursing homes
  • 60 people in halfway houses
  • 12 people in homes for the physically handicapped
  • 10 people in religious group quarters

Fatal accident statistics in 2011:

  • Fatal accident count: 2
  • Vehicles involved in fatal accidents: 4
  • Fatal accidents caused by drunken drivers: 0
  • Fatalities: 3
  • Persons involved in fatal accidents: 5
  • Pedestrians involved in fatal accidents: 0

Fatal accident statistics in 2010:

  • Fatal accident count: 2
  • Vehicles involved in fatal accidents: 4
  • Fatal accidents caused by drunken drivers: 0
  • Fatalities: 2
  • Persons involved in fatal accidents: 7
  • Pedestrians involved in fatal accidents: 1
Home Mortgage Disclosure Act Aggregated Statistics For Year 2009
(Based on 2 full and 8 partial tracts)
A) FHA, FSA/RHS & VA
Home Purchase Loans
B) Conventional
Home Purchase Loans
C) Refinancings
D) Home Improvement Loans
E) Loans on Dwellings For 5+ Families
F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D)
G) Loans On Manufactured
Home Dwelling (A B C & D)
NumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED91$102,81076$97,099492$124,79433$36,7182$523,35014$96,1446$45,028
APPLICATIONS APPROVED, NOT ACCEPTED1$24,7804$58,63831$129,9813$51,9800$00$00$0
APPLICATIONS DENIED19$98,84711$82,339135$147,00516$39,1620$04$53,20510$58,331
APPLICATIONS WITHDRAWN8$100,1958$96,81564$133,2974$25,2700$00$01$96,200
FILES CLOSED FOR INCOMPLETENESS2$108,9254$114,97815$169,3061$12,5700$00$00$0
Private Mortgage Insurance Companies Aggregated Statistics For Year 2009
(Based on 2 full and 8 partial tracts)
A) Conventional
Home Purchase Loans
B) Refinancings
D) Loans On Manufactured
Home Dwelling (A & B)
NumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED11$171,84914$205,0940$0
APPLICATIONS APPROVED, NOT ACCEPTED6$319,8583$153,5430$0
APPLICATIONS DENIED4$94,7103$189,6330$0
APPLICATIONS WITHDRAWN0$02$195,7350$0
FILES CLOSED FOR INCOMPLETENESS2$82,9951$189,7402$82,995

Conventional Home Purchase Loans

Conventional Home Purchase Loans - Value

Most common first names in zip code 48609 among deceased individuals
NameCountLived (average)
Robert4574.4 years
John3876.7 years
William3672.9 years
James2970.1 years
Mary2879.7 years
Dorothy2583.4 years
Margaret2586.1 years
Helen2284.9 years
Donald2172.2 years
Charles2179.1 years
Most common last names in zip code 48609 among deceased individuals
Last nameCountLived (average)
Miller1374.4 years
Smith1379.4 years
Kelly778.9 years
Wenzel773.3 years
Brown678.8 years
Schultz673.7 years
Weber682.7 years
Allen683.7 years
Wright677.3 years
Bell576.6 years
Businesses in zip code 48609
NameCountNameCount
7-Eleven2Long John Silver's1
Advance Auto Parts1MasterBrand Cabinets4
AutoZone1McDonald's1
Burger King1Subway1
Chevrolet1Taco Bell1
Home Depot1Tim Hortons1
KFC1UPS1
Little Caesars Pizza1

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