ZIP Code 48064 — Richmond city, MI Demographics & Data

ZIP code 48064 covers Richmond, MI in St. Clair County with a population of about 3,996.

At a glance, the area shows median age of 39.6 (near the U.S. median).

It sits in telephone area code 586; U.S. House district MI-9; the DETROIT media market.

Median household income in ZIP 48064 is about $79,375 — about 6% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.8%; unemployment rate near 6.6%; 18.6% of adults with a bachelor’s degree or higher (about 15.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Construction, and Retail trade; about 4.3% of workers reporting work-from-home (about 10.9 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $280,400 — about 19% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $529 (about 55% below the U.S. median rent ($1,163)), and owner-occupancy near 94.8% (about 29.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 48064 in Richmond, MI, a household would need roughly $77,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,801. That is roughly in line with the local median household income ($79,375). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Richmond city, MI as Relatively Moderate (composite score 82.0), which is elevated versus much of the country. The strongest component scores on US5 are flood (85.9) and hurricane (35.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Richmond city, MI show little to no average snow and around 35.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 156 for ZIP 48064 (Richmond city, MI) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.