ZIP Code 48631

ZIP code 48631, in the Bay City area, sits squarely in middle-income territory, with a median household income of $74,398 and per-capita income of $44,552. Homes here carry a median value of $172,200, and the county-level effective property tax rate of 1.49% means owners pay a meaningful share of that value each year in taxes. Add a combined sales tax of 6.00%, and the overall tax picture reflects a working- to middle-class community where incomes are steady but not high enough to shrug off either property or sales taxes.