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Understanding Dearborn's zip codes—48120, 48121, 48123, 48124, 48126, and 48128—is crucial for identifying neighborhood characteristics, school districts, and property values in this key Michigan city. This guide provides a detailed breakdown of each area to help you make an informed real estate decision.
Dearborn, Michigan, is segmented into several distinct zip codes, each influencing property types, price points, and community amenities. The median home value across these areas varies significantly, with 48124 often commanding a premium due to its larger lots and top-rated schools. Whether you're buying, selling, or researching, knowing the zip code nuances is the first step. This analysis is based on recent market data and provides an objective overview without endorsing any specific area.
Dearborn's primary residential zip codes are 48120, 48121, 48123, 48124, 48126, and 48128. The city is also bisected by the Rouge River, which informally divides East Dearborn from West Dearborn. Zip code 48124 encompasses most of West Dearborn, known for its historic homes and proximity to the University of Michigan-Dearborn and Henry Ford College. Zip code 48126 covers the industrial and commercial hub, including the Ford Rouge Plant. Zip codes 48120 and 48121 are primarily located in East Dearborn, featuring a mix of post-World War II bungalows and newer developments. Understanding these boundaries helps narrow a property search based on desired proximity to parks, schools, and major employers.
Property values in Dearborn are closely tied to zip code, with notable differences in median sale prices. The following table illustrates recent market trends:
| Dearborn Zip Code | Median Home Value | Primary Housing Type | Key Differentiator |
|---|---|---|---|
| 48124 | ~$350,000 | Single-Family Detached | Larger lots, top-tier school districts. |
| 48128 | ~$280,000 | Mix of Single-Family & Townhomes | Proximity to Fairlane Town Center. |
| 48120 | ~$240,000 | Post-War Bungalows & Ranches | More affordable entry point into the market. |
| 48126 | ~$210,000 | Mix of Residential & Industrial | Lower prices due to commercial adjacency. |
Data is a market estimate from Q1 2024 and is subject to change. Property Tax rates, a recurring cost for homeowners, also vary slightly between these areas but average approximately 1.6% of the home's taxable value annually. It's essential to factor this into your long-term budget.
For buyers, the choice of zip code directly impacts lifestyle and investment potential. Zip code 48124 is often prioritized by families due to its association with the highly-rated Dearborn Public Schools district. In contrast, zip code 48126 may attract investors looking for rental properties near major employment centers. A critical step in the home buying process is obtaining Title Insurance, which protects the homeowner and lender against losses from disputes over the property's ownership history. This is a one-time fee paid at closing that provides essential peace of mind. When evaluating a property, always research recent sales comparables ("comps") within the specific zip code for the most accurate valuation.
Each Dearborn zip code offers a different community feel. The West Dearborn area (primarily 48124) features a walkable downtown with restaurants and shops. The East Dearborn areas (like 48120) provide easy access to cultural landmarks such as the Arab American National Museum and a vibrant array of local businesses. Proximity to major highways like I-94 and the Southfield Freeway (M-39) is a significant advantage across all zip codes, offering convenient commutes to downtown Detroit and Metro Airport. Parks and recreation facilities, such as Levagood Park in 48124 and Crowley Park in 48121, add to the quality of life and can be a deciding factor.
In summary, your choice of Dearborn zip code should align with your budget, lifestyle needs, and long-term goals. Key takeaways include: researching school districts if you have children, factoring in property taxes for an accurate monthly cost, and securing title insurance during purchase. Always consult with a local real estate professional for the most current market analysis tailored to your specific situation.
