ZIP Code 48104 — Ann Arbor city, MI Demographics & Data

ZIP code 48104 covers Ann Arbor, MI in Washtenaw County with a population of about 43,762.

At a glance, the area shows median age of 22.9 versus a U.S. median of about 38.9.

It sits in telephone area code 734; U.S. House district MI-6; the DETROIT media market.

Ann Arbor, MI sits in a university / college context (near university of michigan-ann arbor (1.4 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 48104 is about $63,341 — about 16% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 36.3%; unemployment rate near 4.8%; 81.5% of adults with a bachelor’s degree or higher (about 47.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Professional services; about 25.1% of workers reporting work-from-home (about 9.9 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 $481,600 — about 38% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,450 (about 25% above the U.S. median rent ($1,163)), and owner-occupancy near 36.1% (about 29.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 48104 in Ann Arbor, MI, a household would need roughly $133,000 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 $3,094. That is about 110% above the local median household income ($63,341), so the median earner would likely stretch or need a larger down payment. 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 Ann Arbor city, MI as Relatively Moderate (composite score 89.3), which is elevated versus much of the country. The strongest component scores on US5 are flood (90.3) and hurricane (48.3). 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 Ann Arbor city, MI show little to no average snow and around 37.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,712 for ZIP 48104 (Ann Arbor 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.