ZIP Code 48085 — Troy city, MI Demographics & Data

ZIP code 48085 covers Troy, MI in Oakland County with a population of about 27,371.

At a glance, the area shows median age of 43.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 248, 947; U.S. House district MI-11; the DETROIT media market.

Troy, MI sits in a university / college context (near walsh college (2.4 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 48085 is about $144,146 — about 92% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.4%; unemployment rate near 3.7%; 59.0% of adults with a bachelor’s degree or higher (about 25.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Professional services; about 20.2% of workers reporting work-from-home (about 5.0 points above 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 $395,300 — about 14% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,089 (about 80% above the U.S. median rent ($1,163)), and owner-occupancy near 91.8% (about 26.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 48085 in Troy, MI, a household would need roughly $109,000 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 $2,539. That sits below the local median household income ($144,146), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Troy city, MI as Relatively High (composite score 97.5), which is among the highest nationally. The strongest component scores on US5 are flood (97.5) and wildfire (58.1). 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 Troy city, MI show little to no average snow and around 33.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,071 for ZIP 48085 (Troy 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.