ZIP Code 48120 — Dearborn city, MI Demographics & Data

ZIP code 48120 covers Dearborn, MI in Wayne County with a population of about 8,771.

At a glance, the area shows median age of 31.1 versus a U.S. median of about 38.9.

It sits in telephone area code 313; U.S. House district MI-12; the DETROIT media market.

Median household income in ZIP 48120 is about $66,667 — about 11% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 33.6%; unemployment rate near 7.5%; 37.2% of adults with a bachelor’s degree or higher (about 3.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Professional services; about 14.7% of workers reporting work-from-home (roughly in line with 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 $236,800 — about 32% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,202 (about 3% above the U.S. median rent ($1,163)), and owner-occupancy near 38.3% (about 27.2 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 48120 in Dearborn, MI, a household would need roughly $65,000 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 $1,521. That is roughly in line with the local median household income ($66,667). 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 Dearborn city, MI as Relatively High (composite score 99.0), which is among the highest nationally. The strongest component scores on US5 are flood (99.4) and hurricane (57.8). 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 Dearborn city, MI show little to no average snow and around 34.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 343 for ZIP 48120 (Dearborn 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.