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Area data

Essexville, MI — ZIP 48732

Population: 11,340 (Census ACS)

The median home value in ZIP 48732 (Essexville, MI) is $213,091 — up 6.6% over the past year. Homes sell for a median $186,528 after a median 11 days on market. Typical rent runs $1,039/month. 7 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Low, with coldwave, strongwind, winterweather the top-rated hazards. Cost of living is 8.0% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$213,091

Median home value

+6.6%

1-year change

11

Median days on market

Relatively Low

Hazard risk (county)

Home values & appreciation

Median home value
$213,091
1-year appreciation
+6.6%
3-year appreciation
+14.3%
5-year appreciation
+27.2%
10-year appreciation
+71.0%
All-time peak (2026-07)
$213,091
House Price Index (state)
387.5 (+5.5% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$186,528
Median list price
$209,900
Median price per sqft
$135
1-year sale-price change
+3.6%
Median days on market
11 days
Homes sold (recent period)
24
For-sale inventory
34
Sale-to-list ratio
98.3%
Active listings
17
1-year forecast
+2.9%
New listings (monthly)
15

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent
$1,039/mo
Studio fair-market rent
$823/mo
1BR fair-market rent
$1,029/mo
2BR fair-market rent
$1,261/mo
3BR fair-market rent
$1,639/mo
4BR fair-market rent
$1,891/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Below Average)
92.0 (100 = US avg)
Electricity rate (state-level)
20.0¢/kWh
Natural gas rate (state-level)
$10.90/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
7
Elementary schools
2
Middle schools
1
High schools
2
Charter schools
1
School districts serving the area
Bay-Arenac Community High School, Essexville-Hampton Public Schools, Bay-Arenac ISD
Schools include
BayArenac Community High School, Garber High School, Verellen Elementary School, WR Bush Elementary School, Cramer Junior High School

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Low
Top hazards (county)
coldWave, strongWind, winterWeather, hail, iceStorm
Notable hazard ratings (county)
coastalFlooding: Relatively Low · coldWave: Relatively High · hail: Relatively Moderate · heatWave: Relatively Low · iceStorm: Relatively Moderate · inlandFlooding: Relatively Moderate
FEMA flood zone
A03
Flood risk level
High
Wildfire risk to homes (county)
Higher than 11% of US counties
Buildings in wildfire direct-exposure zone
25.9%
Radon potential (county)
Low radon potential — EPA Zone 3 of 3
EPA Superfund (NPL) sites within 5 mi
None
Nearest Superfund site
Bay City Middlegrounds (6.5 mi — proposed for listing)
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
50.0°F
Average high
57.0°F
Average low
43.0°F
Annual precipitation
34.2 in
Annual snowfall
36.4 in
USDA plant hardiness zone
6a (extreme annual low -10 to -5°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating
Good
Median AQI (annual)
42
Days with Good air quality
229
Days with Moderate air quality
128
Days with Unhealthy air quality
3
Highest AQI recorded (year)
192

Source: EPA air quality data (nearest monitoring station, annual)

Walkability & transit

Walkability index
4.2 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
13,549
Jobs reachable by transit (45 min)
13,713

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

Airports within 30 mi
16
Nearest airport
James Clements Municipal Airport (7 mi)
Nearest major airport
MBS International Airport (MBS) (16 mi)
Hospitals nearby (~15 mi)
3
Hospitals include
COVENANT MEDICAL CENTER, ASCENSION ST MARY'S HOSPITAL, HEALTHSOURCE SAGINAW
Avg hospital rating (CMS)
2.0 / 5
Best hospital rating nearby (CMS)
2.0 / 5
Solar radiation rating
Fair (3.7 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
+70 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,969
Housing built before 1970
50.9%
Housing built 2000 or later
7.5%
Median annual property tax
$2,763
Mean commute to work
21 min
Households with broadband internet
76.6%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
28,951
Average weekly wage
$1,022
Top industries (by employment)
Health Care, Accommodation & Food, Professional Services
Annual residential building permits (county)
31

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 48732State medianUS median
Median home value$213,091$246,351$289,727
Median sale price$186,528$265,000$325,000
Median days on market11 days36 days51 days
Typical rent$1,039/mo$1,494/mo$1,808/mo
Median annual property tax$2,763$2,175$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 48732?
$213,091.
What is the median sale price in ZIP 48732?
$186,528.
How long do homes take to sell in ZIP 48732?
Median days on market: 11 days.
What is typical rent in ZIP 48732?
Typical rent: $1,039/month.
What is the natural-hazard risk in ZIP 48732?
Overall risk: Relatively Low (FEMA NRI, county-level). Top hazards: coldWave, strongWind, winterWeather, hail, iceStorm.
Is ZIP 48732 in a flood zone?
High (FEMA NFIP). FEMA flood zone A03.
What is the wildfire risk in ZIP 48732?
Risk to homes is higher than 11% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 48732?
Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 48732?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 48732?
7 schools (2 elementary, 1 middle, 2 high) (NCES, 2022-23).
Is ZIP 48732 walkable?
Walkability index: 4.2/20 (EPA Smart Location Database).
What is the air quality in ZIP 48732?
Good. Median AQI: 42. (EPA AQI).
What is the cost of living in ZIP 48732?
Regional Price Parity: 92.0 (100 = US average) (Below Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

Selling a home in Essexville, MI?

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents