Michigan · Eastern Time
989 Area Code
Area code 989 is in Michigan, serving central and northeastern Lower Michigan including Saginaw, Bay City and Midland. It is in the Eastern Time zone.
Last updated October 1, 2026 · Source: NANPA
Where is the 989 area code?
989 is a Michigan area code covering central and northeastern Lower Michigan including Saginaw, Bay City and Midland. In the wider directory it sits in the Midwest region.
Cities in the 989 area code
- Saginaw
- Bay City
- Midland
- Mount Pleasant
- Owosso
- Alpena
- Alma
- Gaylord
- Frankenmuth
- St. Johns
- Caro
- West Branch
- Clare
Counties served by 989
Saginaw County, Bay County, Midland County, Isabella County, Shiawassee County, Alpena County, Gratiot County, Otsego County, Tuscola County and Clinton County.
Time zone note: Eastern statewide except four Upper Peninsula counties near Wisconsin (Central).
Dialing 989
Saginaw, MI is currently served by the single area code 989, with no overlay. 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.
From outside the US, dial +1 989 followed by the seven-digit number.
History of the 989 area code
989 went into service on April 7, 2001, created when it was split from 517. It serves Saginaw and the surrounding part of Michigan. 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 in Saginaw, MI 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, covering central and northeastern Lower Michigan including Saginaw, Bay City and Midland, in the Midwest region.
What cities are in the 989 area code?
Cities in the 989 area code include Saginaw, Bay City, Midland, Mount Pleasant, Owosso, Alpena, Alma, Gaylord, Frankenmuth and St. Johns.
What time zone is 989 in?
989 is in the Eastern Time zone. Eastern statewide except four Upper Peninsula counties near Wisconsin (Central).
When did the 989 area code start?
989 went into service on April 7, 2001.
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.