{
  "zip": "48706",
  "type": "standard",
  "type_source": "inferred",
  "city": "Bay City",
  "other_place_names": [],
  "state": "MI",
  "state_name": "Michigan",
  "county": {
    "fips": "26017",
    "name": "Bay County",
    "short_name": "Bay"
  },
  "counties": [
    {
      "county_fips": "26017",
      "name": "Bay County",
      "short_name": "Bay",
      "weight": 1,
      "basis": "land_area"
    }
  ],
  "location": {
    "lat": 43.603805,
    "lng": -83.955411,
    "source": "gazetteer_internal_point",
    "timezone": "America/Detroit"
  },
  "is_zcta": true,
  "parent_zcta": null,
  "metro": {
    "cbsa_code": "13020",
    "name": "Bay City, MI",
    "type": "metro",
    "csa_code": "474",
    "csa_name": "Saginaw-Midland-Bay City, MI"
  },
  "demographics": {
    "population": 38974,
    "households": 17184,
    "housing_units": 18537,
    "median_age": 44.7,
    "median_household_income": 62747,
    "median_home_value": 155800,
    "median_rent": 922,
    "pct_bachelors_plus": 24.7,
    "mean_commute_min": 20.9,
    "density_per_sqmi": 587.8
  },
  "business": {
    "establishments": 904,
    "employees": 12822,
    "annual_payroll_thousands": 622935
  },
  "tax": {
    "irs_returns": 20360,
    "irs_agi_thousands": 1322682
  },
  "area": {
    "land_sqmi": 66.304,
    "water_sqmi": 5.802
  },
  "nearest_zips": [
    {
      "zip": "48710",
      "miles": 3.6,
      "city": "University Center",
      "state": "MI"
    },
    {
      "zip": "48708",
      "miles": 6.2,
      "city": "Bay City",
      "state": "MI"
    },
    {
      "zip": "48631",
      "miles": 6.2,
      "city": "Kawkawlin",
      "state": "MI"
    },
    {
      "zip": "48604",
      "miles": 7.2,
      "city": "Saginaw",
      "state": "MI"
    },
    {
      "zip": "48611",
      "miles": 7.4,
      "city": "Auburn",
      "state": "MI"
    },
    {
      "zip": "48732",
      "miles": 8.3,
      "city": "Essexville",
      "state": "MI"
    },
    {
      "zip": "48707",
      "miles": 9.3,
      "city": "Bay City",
      "state": "MI"
    },
    {
      "zip": "48724",
      "miles": 10.2,
      "city": "Carrollton",
      "state": "MI"
    },
    {
      "zip": "48623",
      "miles": 10.7,
      "city": "Freeland",
      "state": "MI"
    },
    {
      "zip": "48603",
      "miles": 10.7,
      "city": "Saginaw",
      "state": "MI"
    }
  ],
  "release": "2026-10-12",
  "attribution": {
    "source": "zipcodes.pro",
    "url": "https://zipcodes.pro/zip/48706",
    "sources_url": "https://zipcodes.pro/sources",
    "license": "Facts derived from US public-domain data (Census, IRS) and GeoNames (CC BY 4.0). Attribution appreciated: zipcodes.pro",
    "note": "A null value means the source did not publish that figure for this ZIP code. It does not mean zero."
  }
}