ZIP Code 48317 — Utica city, MI Demographics & Data

ZIP code 48317 covers Utica, MI in Macomb County with a population of about 27,998.

At a glance, the area shows median age of 39.9 (near the U.S. median).

It sits in telephone area code 586; U.S. House district MI-10; the DETROIT media market.

Median household income in ZIP 48317 is about $72,465 — about 4% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.2%; unemployment rate near 3.7%; 31.9% of adults with a bachelor’s degree or higher (about 1.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 10.1% of workers reporting work-from-home (about 5.1 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 $248,700 — about 29% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,090 (about 6% below the U.S. median rent ($1,163)), and owner-occupancy near 57.3% (about 8.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 48317 in Utica, MI, a household would need roughly $68,000 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 $1,598. That is roughly in line with the local median household income ($72,465). 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 Utica city, MI as Relatively High (composite score 96.7), which is among the highest nationally. The strongest component scores on US5 are flood (97.5) and hurricane (49.9). 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 Utica 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 1,096 for ZIP 48317 (Utica 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.