| ZIP Code | 48464 |
|---|---|
| City | Otter Lake |
| State | Michigan (MI) |
| County | Lapeer County |
| Area Code | 810 |
| Elevation | 843 ft |
| Latitude | 43.210907 |
|---|---|
| Longitude | -83.419044 |
| Timezone | Detroit (DST) |
| FIPS | 26087 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 51.5 yrs ↑ 8% since 2019 |
|---|---|
| Avg Household Size | 2.32 |
| Below Poverty | 11.6% ▲ 16% above avg |
| College Grads | 28.9% ▼ 26% below avg |
| Unemployment | 8.3% ▲ 70% above avg |
| No HS Diploma | 13 (0.9%) |
| HS Graduate | 525 (36.8%) |
| Some College | 268 (18.8%) |
| Associates | 210 (14.7%) |
| Bachelors | 129 (9%) |
| Graduate Degree | 283 (19.8%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $64,464 ▼ 16% below avg ↑ 8% since 2019 |
|---|---|
| Median Home Value | $186,600 ▼ 33% below avg ↑ 46% since 2019 |
| Home/Income Ratio | 2.9x (nat avg ~3.5x) |
| Median Rent | $1,367/mo ↑ 37% since 2019 |
| Total Units | 1,101 |
| Vacant Units | 246 |
| Avg HH Size | 2.32 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 1,101 |
|---|---|
| Vacant | 246 |
| Owner Occupied | 92.2% |
| Renter Occupied | 7.8% |
| Avg HH Size | 2.32 |
ZIP code 48464 is located in Otter Lake, Michigan, within Lapeer County. With a population of 1,986, this is a sparsely populated ZIP code with a mature community — the median age is 51.5 years. Economically, 48464 is a solidly middle-class ZIP code: the median household income of $64,464 is below the national average.
Real estate in ZIP code 48464 represents an affordable housing market. The median home value of $186,600 is below the national average. Renters can expect to pay around $1,367 per month in median rent. Homeownership is strong here — 92.2% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 46% since 2019.
The population of 48464 is primarily White (92.55%). Residents are moderately educated — 28.9% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 11.6%. Household income has grown by 8% since 2019.
The unemployment rate in 48464 stands at 8.3%, which is significantly above the national average. As in most parts of the country, driving alone is the dominant commute mode at 78%.
Overall, ZIP code 48464 in Otter Lake, MI is characterized as solidly middle-class, moderately educated, a mature community, and predominantly owner-occupied. With 1,986 residents, a median household income of $64,464, and a median home value of $186,600, it offers a clear picture of life in this part of Michigan.