| City: | Troy, Michigan |
| County: | Oakland County |
| Timezone: | Eastern (GMT -05:00) |
| Local Time: | 1:02:05 AM |
| Population: | 20,349 [See All] |
| Area Code: | 248 |
| Classification: | Standard [Normal Street Delivery] |
| Coordinates: | 42.5992, -83.1788 |
| Land Area: | 9.399 sq mi |
| Quick Link: |
ZIP Code 48098 has 20,349 residents and 7,240 households (average 2.79 persons per household). The median age is 46.3 years, older than the state (40.1) and significantly older than the nation (38.8). The gender split is 49.4% male and 50.6% female, which is about the same as the national male share (49.1%), making this a female-majority area. Largest groups are White (61.3%, much lower than the state average of 73.9%) and Asian (30.5%, much higher than the state average of 3.3% and well above the national average of 6.0%); Hispanic or Latino residents make up 2.6%, which is much lower than the national average (18.7%), and Asian share is much higher than both the state (3.3%) and national averages (6.0%).
Explore More:Population Over TimeBy Age & GenderBy RaceBy GenderNativity & Citizenship
| 2020 Population: | 20,349Source: Census DHC |
| 2023 ACS Population Estimate: | 20,658Source: Census ACS |
| 2025 ZC Population Estimate: | 20,880Source: ZIP-Codes.com |
| Population Density: | 2,165.0 people per sq mile |
| Average Income: | $165,781Source: Census ACS |
| Households: | 7,240Source: Census DHC |
| Average House Value: | $485,300Source: Census ACS |
| Persons Per Household: | 2.79Source: Census DHC |
| Average Family Size: | 2.55Source: Census ACS |
| Group | 2010 | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Census ACS Population Estimate | -- | 19,201 | 19,240 | 19,414 | 19,452 | 19,050 | 19,362 | 19,227 | 19,237 | 19,232 | 19,563 | 20,242 | 20,545 | 20,658 |
| Decennial Census | 19,582 | -- | -- | -- | -- | -- | -- | -- | -- | -- | 20,349 | -- | -- | -- |
Median Age: 46.3
Male Median Age: 45.6
Female Median Age: 46.8
| Group | < 5 | 5-9 | 10-14 | 15-19 | 20-24 | 25-29 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60-64 | 65-69 | 70-74 | 75-79 | 80-84 | 85+ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Male | 429 | 677 | 752 | 731 | 557 | 357 | 376 | 481 | 589 | 732 | 765 | 805 | 778 | 720 | 579 | 366 | 173 | 179 |
| Female | 401 | 561 | 687 | 761 | 501 | 328 | 395 | 554 | 687 | 783 | 756 | 803 | 892 | 729 | 596 | 370 | 224 | 275 |
| Total | 830 | 1,238 | 1,439 | 1,492 | 1,058 | 685 | 771 | 1,035 | 1,276 | 1,515 | 1,521 | 1,608 | 1,670 | 1,449 | 1,175 | 736 | 397 | 454 |
| White: | 12,470 | 62.72% |
| Black: | 542 | 2.73% |
| Hispanic:* | 532 | 2.68% |
| Asian: | 6,204 | 31.20% |
| American Indian: | 15 | 0.08% |
| Hawaiian: | 1 | 0.01% |
| Other: | 118 | 0.59% |
| Total: | 19,882 | 100% |
| Gender | Count | % | Median Age |
|---|---|---|---|
| Males: | 10,046 | 49.37% | 45.6 years |
| Females: | 10,303 | 50.63% | 46.8 years |
| Total: | 20,349 | 100% | 46.3 years |
| Native, born in the United States: | 14,145 | 68.47% |
| Native, born in PR, Island Areas, or abroad: | 330 | 1.60% |
| Foreign born, naturalized U.S. citizen: | 4,225 | 20.45% |
| Foreign born, not a U.S. citizen: | 1,958 | 29.93% |
| Total Population: | 20,658 | 100% |
| Total Native Population: | 14,475 | 70.07% |
| Total Foreign-born Population: | 6,183 | 29.93% |
In 2023, the Median household income is $165,781, which is considerably higher than the state median ($71,149), is up $49,732 (42.9%) since 2011 and above its 2019 pre-pandemic level by $30,227. Family households earn a median of $178,207 versus $67,806 for nonfamily households (a difference of $110,401). By gender, male median income is $136,978 and female is $99,306, which is much higher than the state female median ($51,279), with a current gap of $37,672 that has widened from 2011 to 2023. The labor-force participation rate is 65.6%, which is above the state rate (61.4%). The unemployment rate is 3.6%, which is far lower than the state rate (5.8%). The largest occupation group is Management (68.9%).
Explore More:Income Over TimeHousehold IncomeEmployment StatusBy Occupation
| Income Type | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Household Income | $116,049 | $114,792 | $113,574 | $108,281 | $108,774 | $115,031 | $116,924 | $124,183 | $135,554 | $142,446 | $149,337 | $157,997 | $165,781 |
| Median Family Income | $132,200 | $130,997 | $130,922 | $125,291 | $124,690 | $132,690 | $136,318 | $140,280 | $150,978 | $158,125 | $160,897 | $170,530 | $178,207 |
| Median NonFamily Income | $56,447 | $51,183 | $45,500 | $39,561 | $47,434 | $51,439 | $46,512 | $54,167 | $50,904 | $51,218 | $54,483 | $66,458 | $67,806 |
| Median Male Income | $99,898 | $98,696 | $100,526 | $100,712 | $101,393 | $103,315 | $106,732 | $109,860 | $112,691 | $118,133 | $133,373 | $135,139 | $136,978 |
| Median Female Income | $68,229 | $68,571 | $70,673 | $70,079 | $69,773 | $70,697 | $75,046 | $78,233 | $85,818 | $90,217 | $88,905 | $97,324 | $99,306 |
| Employed: | 10,550 | 63.18% |
| Unemployed: | 397 | 2.38% |
| Not In Labor Force: | 5,752 | 34.45% |
| Total: | 16,699 | 100% |
| Management, business, science, and arts: | 7,271 | 68.92% |
| Service: | 1,063 | 10.08% |
| Sales and Office: | 1,685 | 15.97% |
| Natural resources, construction, and maintenance: | 212 | 2.01% |
| Production, transportation, and material moving: | 319 | 3.02% |
| Total Civilian Employed Population: | 10,550 | 100% |
In 2023, the median home value is $485,300, which is far above the state median ($217,600), is up $177,000 (57.41%) since 2011 and above its 2019 pre-pandemic level by $83,600. The median gross rent is $1,720, which is much higher than the state median ($1,084), is up $334 (24.10%) since 2011 and above its 2019 pre-pandemic level by $331. Of occupied housing, owners make up 92.05% (57.29% with a mortgage, 42.71% free-and-clear) and renters 7.95% - making this ZIP Code more home ownership than the state and under national rental averages. The vacancy rate is 5.38%, which is far lower than the state rate (12.16%).
Explore More:Compare Home ValueHome Value Over TimeRent & Over TimeHousing Occupancy
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Home Value | $308,300 | $292,700 | $288,200 | $297,300 | $308,200 | $337,400 | $360,300 | $388,600 | $401,700 | $411,900 | $423,900 | $467,800 | $485,300 |
| Less than $500: | 0 | 0.00% |
| $500 to $999: | 27 | 4.58% |
| $1,000 to $1,499: | 152 | 25.81% |
| $1,500 to $1,999: | 166 | 28.18% |
| $2,000 to $2,499: | 33 | 5.60% |
| $2,500 to $2,999: | 85 | 14.43% |
| $3,000 or more: | 41 | 6.96% |
| No Rent: | 85 | 14.43% |
| Total: | 589 | 100% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Rent | $1,386 | $1,359 | $1,336 | $1,212 | $1,175 | $1,129 | $1,162 | $1,237 | $1,389 | $1,366 | $1,455 | $1,590 | $1,720 |
| Owner Occupied (with mortgage): | 3,906 | 52.73% |
| Owner Occupied (free and clear, no mortgage): | 2,912 | 39.31% |
| Renter Occupied: | 589 | 7.95% |
| Total Occupied Housing Units: | 7,407 | 100% |
| Occupied Housing Units: | 7,407 | 94.62% |
| Vacant Housing Units (not graphed): | 421 | 5.38% |
| Total Housing Units: | 7,828 | 100% |
| Single-Family Units: | 7,332 | 93.66% |
| Multi-Family Units: | 496 | 6.34% |
| Other Units: | 0 | 0.00% |
| Total Housing Units: | 7,828 | 100% |
In 2023, 76.80% of adults (25+) have a bachelor's degree or higher, which is markedly above the state rate (31.80%), well above both the state and national averages. High school or higher is 98.30%, which is far higher than the national rate (89.40%). The uninsured rate is 1.40%, which is far lower than the national rate (8.60%). Private coverage is 90.20%, which is well above the national rate (67.30%). Public coverage is 23.40%, which is generally lower than the state rate (40.00%). The share of people in poverty is 1.30%, which is markedly below the state rate (8.80%), down 1.10 percentage points since 2011 and below its 2019 pre-pandemic level by 2.00 percentage points. This suggests a positive shift in the local economic and social landscape - higher incomes, steadier consumer demand, and a strengthening tax base. Among residents ages 3+, the largest enrollment group is elementary (37.80%). College enrollment is 25.82%, which is comparable to the national rate (26.70%), meaning the community mirrors broader higher-education participation.
Explore More:Educational AttainmentHealth InsurancePoverty Over TimeSchool Enrollment
| Less than 9th grade: | 99 | 0.69% |
| 9th to 12th grade, no diploma: | 148 | 1.04% |
| High school graduate (includes equivalency): | 1,084 | 7.61% |
| Some college, no degree: | 1,283 | 9.00% |
| Associate's degree: | 692 | 4.86% |
| Bachelor's degree: | 4,745 | 33.30% |
| Graduate or professional degree: | 6,197 | 43.49% |
| Total: | 14,248 | 100% |
| High school or higher: | 14,001 | 98.27% |
| Bachelor's degree or higher: | 10,942 | 76.80% |
| Private Insurance: | 18,595 | 78.43% |
| Public Insurance: | 4,826 | 20.35% |
| No Insurance: | 289 | 1.22% |
| Total: | 23,710 | 100% |
| Has Health Insurance: | 23,421 | 98.78% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| % of People in Poverty | 2.4% | 2.0% | 1.9% | 2.6% | 3.1% | 3.2% | 3.1% | 3.8% | 3.3% | 2.7% | 1.8% | 2.9% | 1.3% |
Note: Counts of Families & People in poverty are not published at the ZIP Code level due to small sample sizes. Percentages shown are survey estimates from the American Community Survey (ACS). They may differ from official poverty statistics. The U.S. Census Bureau defines poverty status by comparing a family's or individual's total income with federal poverty thresholds that vary by family size and composition.
| Nursery School, Preschool: | 332 | 6.09% |
| Kindergarten: | 164 | 3.01% |
| Elementary school (grades 1-8): | 2,060 | 37.80% |
| High school (grades 9-12): | 1,487 | 27.28% |
| College or graduate school: | 1,407 | 25.82% |
| Total: | 5,450 | 100% |
| Early Childhood: | 496 | 9.10% |
| K-12 (Primary & Secondary School): | 3,711 | 68.09% |
ZIP Code 48098 supports both business and residential activity. According to the Business Census (2023), there are 703 business establishments, employing about 23,670 people with an annual payroll of $2,300,950,000. USPS data shows 7,484 residential mailboxes and 506 business mailboxes, reflecting local delivery coverage.
| # Residential Mailboxes: | 7,484Source: USPS |
| # Business Mailboxes: | 506Source: USPS |
| Total Delivery Receptacles: | 7,962Source: USPS |
| Single Family Delivery Units: | 6,963Source: USPS |
| Multi Family Delivery Units: | 190Source: USPS |
| # of Businesses: | 703Source: CBP |
| 1st Quarter Payroll: | $617,006,000Source: CBP |
| Annual Payroll: | $2,300,950,000Source: CBP |
| # of Employees: | 23,670Source: CBP |
ZIP Code 48098 is located in Oakland County, Michigan, within the Detroit-Warren-Dearborn, MI Metropolitan Statistical Area (CBSA 19820) and Michigan's 11st Congressional District. This Metro area has a population of 4,367,620 people, about 0.47% of whom live in ZIP Code 48098, and is subdivided into the Warren-Troy-Farmington Hills, MI division. It covers 9.399 sq mi of land and a water area of 0.017 sq mi.
| CBSA Name: | Detroit-Warren-Dearborn, MISource: Census |
| CBSA Number: | 19820Source: Census |
| CBSA Type: | MetroSource: Census |
| CBSA Division: | Warren-Troy-Farmington Hills, MI (CBSA Div 47664)Source: Census |
| CBSA Population: | 4,367,620Source: Census |
| MSA: | Detroit-Ann Arbor-Flint, MI CMSASource: Census |
| Land Area: | 9.399 sq miSource: Census |
| Water Area: | 0.017 sq miSource: Census |
| Congressional District: | 11Source: USPS |
| Congressional Land Area: | 419.26 sq miSource: Census |
| PMSA: | Detroit, MI PMSASource: Census |
| Intro Date: | < 2004-10Source: ZIP-Codes.com |
| Place FIPS Code: | 2680700Source: Census |
| Place Name: | Troy city; MichiganSource: Census |
ZIP Code 48098 is part of 2 school districts, including: Avondale School District (Grades KG thru 12) and Troy School District (Grades Pre-Kindergarten thru 12th). There are 5 public school(s) in this ZIP Code, and we have located 3 private school(s). It also has 6 colleges, universities or post secondary education institutions nearby which would be a short commute to.
Our sources include trusted federal and licensed data from the United States Postal Service, U.S. Census Bureau, U.S. Geological Survey, Centers for Medicare & Medicaid Services, and the National Center for Education Statistics, along with proprietary datasets created by ZIP-Codes.com. Data last updated on October 1, 2025.