| ZIP Code | 49078 |
|---|---|
| City | Otsego |
| State | Michigan (MI) |
| County | Allegan County |
| Area Code | 269 |
| Elevation | 838 ft |
| Latitude | 42.47251 |
|---|---|
| Longitude | -85.732849 |
| Timezone | Detroit (DST) |
| FIPS | 26005 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 42.1 yrs ↑ 2% since 2019 |
|---|---|
| Avg Household Size | 2.59 |
| Below Poverty | 5.6% ▼ 44% below avg |
| College Grads | 29.1% ▼ 25% below avg |
| Unemployment | 3.8% ▼ 23% below avg |
| No HS Diploma | 37 (0.5%) |
| HS Graduate | 2,546 (36.3%) |
| Some College | 1,092 (15.6%) |
| Associates | 1,304 (18.6%) |
| Bachelors | 678 (9.7%) |
| Graduate Degree | 1,364 (19.4%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $77,517 ≈ Avg ↑ 46% since 2019 |
|---|---|
| Median Home Value | $189,600 ▼ 32% below avg ↑ 40% since 2019 |
| Home/Income Ratio | 2.4x (nat avg ~3.5x) |
| Median Rent | $1,106/mo ↑ 38% since 2019 |
| Total Units | 4,315 |
| Vacant Units | 280 |
| Avg HH Size | 2.59 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 4,315 |
|---|---|
| Vacant | 280 |
| Owner Occupied | 81.6% |
| Renter Occupied | 18.4% |
| Avg HH Size | 2.59 |
ZIP code 49078 is located in Otsego, Michigan, within Allegan County. With a population of 10,469, this is a lightly populated ZIP code with a middle-aged community — the median age is 42.1 years. Economically, 49078 is a middle-income ZIP code: the median household income of $77,517 is near the national average.
Real estate in ZIP code 49078 represents an affordable housing market. The median home value of $189,600 is below the national average. Renters can expect to pay around $1,106 per month in median rent. Homeownership is strong here — 81.6% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 40% since 2019.
The population of 49078 is primarily White (85.61%). Residents are moderately educated — 29.1% hold a bachelor's degree or higher, which is below the national average. Poverty affects a relatively small share of residents at 5.6%. Household income has grown by 46% since 2019.
The unemployment rate in 49078 stands at 3.8%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 83%.
Overall, ZIP code 49078 in Otsego, MI is characterized as middle-income, moderately educated, a middle-aged community, and predominantly owner-occupied. With 10,469 residents, a median household income of $77,517, and a median home value of $189,600, it offers a clear picture of life in this part of Michigan.