Area code
Area code 989 — Saginaw, MI
Michigan · in service since April 7, 2001
Area code 989 covers parts of Michigan; the place with the most of its prefixes is Saginaw. It was created from area code 517 on April 7, 2001 and no other code overlays it.
Local time in Saginaw
Spam reports from Sep 23 – Oct 22, 2026
Average #217 of 461 codes
438 FTC complaints
Consumer reports, not verified by the FTC.
See the reports- Time zoneEastern Time
- Local calls10 digits
- Prefixes738 assigned
- Runs out~2Q 2038
- Unwanted call?Block & report
Spam call reports about 989 numbers
Complaints by week
Sep 11 – Oct 22, 2026Show as table
| Week starting | Complaints |
|---|---|
| Sep 7 (3 days) | 48 |
| Sep 14 | 139 |
| Sep 21 | 122 |
| Sep 28 | 74 |
| Oct 5 | 130 |
| Oct 12 | 97 |
| Oct 19 (4 days) | 83 |
Compared with all codes
- Robocalls
- 70%all codes 75%
- Callers with the same code
- 43%all codes 35%
- Rank by complaints
- #217of 461 · middle half
- FCC complaints, Oct 2025 – Sep 2026
- 946 about text messages
What the calls were about
Sep 11 – Oct 22, 2026
| Subject | Complaints | |
|---|---|---|
| Reducing your debt (credit cards, mortgage, student loans) | 174 25% | |
| Dropped call or no message | 106 15% | |
| Medical & prescriptions | 54 8% | |
| Calls pretending to be government, businesses, or family and friends | 43 6% | |
| Energy, solar, & utilities | 5 1% | |
| Warranties & protection plans | 5 1% |
Where the people who complained live
Sep 11 – Oct 22, 2026
| State | Complaints | |
|---|---|---|
| Michigan | 359 52% | |
| California | 43 6% | |
| Florida | 39 6% | |
| Illinois | 39 6% | |
| Georgia | 27 4% |
October 2026 (partial) report · most reported
Consumer reports, not verified by the FTC · source
Source: FTC Do Not Call complaints created Sep 11 – Oct 22, 2026. They are reported by consumers and are not verified by the FTC; caller ID can be spoofed (how we count).
Source: FCC Consumer Complaints data, unwanted calls filed Oct 1, 2025 – Sep 30, 2026, by caller ID; not verified by the FCC.
Area code 989 location and prefixes
| Exchange (NANPA) | Place | County | Prefixes |
|---|---|---|---|
| SAGINAW | Saginaw | Saginaw County | 114 |
| MIDLAND | Midland | spans 2 counties | 37 |
| BAY CITY | Bay City | Bay County | 29 |
| MTPLEASANT | Mount Pleasant | Isabella County | 27 |
| OWOSSO | Owosso | Shiawassee County | 18 |
| ALMA | Alma | Gratiot County | 16 |
| GAYLORD | Gaylord | Otsego County | 16 |
| ALPENA | Alpena | Alpena County | 15 |
| CLARE | Clare | spans 2 counties | 11 |
| GLADWIN | Gladwin | Gladwin County | 11 |
Plus 125 smaller exchange areas.
Source: NANPA CO codes of Oct 23, 2026; places: U.S. Census Bureau, matched by DialWhere (how).
Is 989 running out of numbers?
Previous forecast (October 2025): 2036, moved later by 2 years.
Forecast exhaust year by edition
Source: NANPA NRUF forecast, April 2026 edition.
Who holds 989 prefixes
The five largest of 61 original holders
As listed by NANPA, not today’s carrier.
| Holder (as listed) | Prefixes | |
|---|---|---|
| Frontier North, Inc. | 91 12% | |
| Michigan Bell Tel Co. | 87 12% | |
| New Cingular Wireless PCS, LLC | 82 11% | |
| Verizon Wireless | 73 10% | |
| Interactive Services Network, Inc. | 63 9% |
Source: NANPA CO codes of Oct 23, 2026.
Questions about area code 989
What area code is 989?
A Michigan area code, in service since April 7, 2001.
Where is 989 area code, and what time zone is it in?
Saginaw, MI; Eastern Time.
Why am I getting spam calls from 989?
438 FTC complaints from Sep 23 – Oct 22, 2026, most often about debt reduction (not verified by the FTC; caller ID can be spoofed).
Will 989 get a new area code?
NANPA forecasts exhaust in 2Q 2038; no relief planning listed.