Michigan · Eastern Time
989 Area Code
The 989 area code is a telephone area code in Michigan, covering Saginaw and the surrounding area. It lies in the Eastern Time zone for most of its territory.
Last updated June 5, 2026
Where is the 989 area code?
989 serves Saginaw and nearby communities in Michigan. In the wider directory it sits in the Midwest region.
Time zone note: Eastern statewide except four Upper Peninsula counties near Wisconsin (Central).
Dialing 989
Saginaw is currently served by the single area code 989. Ten-digit dialing (area code + seven-digit number) always works and is increasingly the norm nationwide; some local calls may still connect with seven digits. If a future overlay is added, 10-digit dialing would become mandatory.
History of the 989 area code
989 is a geographic area code serving Saginaw and the surrounding part of Michigan. It was added after the original 1947 plan as telephone demand grew. For how codes are created, split, and overlaid, see how area codes work.
Is 989 a scam or spam risk?
989 is a legitimate geographic area code, not a premium or toll line, so a call from it costs you nothing extra. That said, scammers frequently spoof real local area codes to look familiar on caller ID. A genuine 989 number on your screen is no guarantee the caller is local or trustworthy. See spam & scam-risk area codes for how spoofing works and how to respond.
Other Michigan area codes
Explore more
See every code in Michigan, compare codes across the Midwest region, or view all Eastern Time codes. You can also browse the 9XX block or the complete numeric list of US area codes.
New to how this all works? Start with how area codes work, then read up on overlays, 10-digit dialing, and spam & scam-risk codes. To check another number, use the area code lookup tool.
Quick answers
989 area code FAQ
Where is the 989 area code?
The 989 area code is in Michigan, serving Saginaw and the surrounding area in the Midwest region.
What time zone is 989 in?
989 is in the Eastern Time zone. Eastern statewide except four Upper Peninsula counties near Wisconsin (Central).
Do I have to dial 10 digits for 989?
Ten-digit dialing always works, and many areas now require it; some local calls in this area may still connect with seven digits.
Is 989 a toll-free or premium code?
No. 989 is a standard geographic area code, so calling it costs the same as any local or long-distance call on your plan. Toll-free calls use 800, 888, 877, 866, 855, 844 or 833.