Estimated median household income in 2007: $48,307
| This zip code: | $48,307 | | Michigan: | $47,950 |
Nearest zip codes: 48454, 48022, 48466, 48006, 48014, 48416.
Housing units in zip code 48097 with a mortgage: 634 (49 second mortgage, 81 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 300
Median monthly owner costs for units with a mortgage: $1,191
Median monthly owner costs for units without a mortgage: $412
Residents with income below the poverty level in 2007:
| This zip code: | 8.6% | | Whole state: | 14.0% |
Residents with income below 50% of the poverty level in 2007:
| This zip code: | 3.5% | | Whole state: | 6.5% |
Median number of rooms in houses and condos:
| Here: | 6.2 | | State: | 6.1 |
Median number of rooms in apartments:
| Here: | 4.5 | | State: | 4.1 |
Year house built: |
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- 1999 to March 2000: 30
- 1995 to 1998: 164
- 1990 to 1994: 138
- 1980 to 1989: 173
- 1970 to 1979: 312
- 1960 to 1969: 174
- 1950 to 1959: 178
- 1940 to 1949: 186
- 1939 or earlier: 633
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Bedrooms in owner-occupied houses in Yale, MI (48097): |
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- no bedroom: 0
- 1 bedrooms: 30
- 2 bedrooms: 286
- 3 bedrooms: 848
- 4 bedrooms: 303
- 5 or more bedrooms: 79
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 6
- 1 bedrooms: 88
- 2 bedrooms: 117
- 3 bedrooms: 86
- 4 bedrooms: 23
- 5 or more bedrooms: 4
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Vehicles available in 48097 zip code in owner-occupied houses/condos: |
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- no vehicle: 63
- 1 vehicle: 353
- 2 vehicles: 694
- 3 vehicles: 305
- 4 vehicles: 84
- 5 or more vehicles: 47
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 50
- 1 vehicle: 148
- 2 vehicles: 97
- 3 vehicles: 21
- 4 vehicles: 8
- 5 or more vehicles: 0
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Estimated household income distribution in 2007:

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Estimate of home value of owner-occupied houses/condos in 2007 in zip code 48097:
- Less than $10,000: 23
- $10,000 to $14,999: 11
- $15,000 to $19,999: 11
- $20,000 to $24,999: 7
- $25,000 to $29,999: 7
- $30,000 to $34,999: 9
- $35,000 to $39,999: 6
- $40,000 to $49,999: 22
- $50,000 to $59,999: 16
- $60,000 to $69,999: 25
- $70,000 to $79,999: 37
- $80,000 to $89,999: 48
- $90,000 to $99,999: 56
- $100,000 to $124,999: 202
- $125,000 to $149,999: 194
- $150,000 to $174,999: 172
- $175,000 to $199,999: 159
- $200,000 to $249,999: 209
- $250,000 to $299,999: 85
- $300,000 to $399,999: 90
- $400,000 to $499,999: 29
- $500,000 to $749,999: 32
- $750,000 to $999,999: 9
- $1,000,000 or more: 7
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Rent paid by renters in 2007 in zip code 48097:
- $100 to $149: 6
- $150 to $199: 14
- $200 to $249: 6
- $250 to $299: 9
- $300 to $349: 7
- $350 to $399: 21
- $400 to $449: 19
- $450 to $499: 27
- $500 to $549: 26
- $550 to $599: 33
- $600 to $649: 15
- $650 to $699: 15
- $800 to $899: 4
- No cash rent: 35
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Median price asked for vacant for-sale houses and condos in 2007: $108,682.
Estimated median house (or condo) value in 2007 for: - White Non-Hispanic householders: $143,522
- American Indian or Alaska Native householders: $104,102
- Some other race householders: $104,102
- Two or more races householders: $260,256
- Hispanic or Latino householders: $111,042
Estimated median house or condo value in 2007: $164,765 (it was $114,100 in 2000)
| 48097: | $164,765 | | Michigan: | $153,100 |
Lower value quartile - upper value quartile: $92,380 - $167,400
Mean price in 2007:
Detached houses: $204,342| Here: | $204,342 | | State: | $200,820 |
Townhouses or other attached units: $118,869| Here: | $118,869 | | State: | $181,134 |
In 2-unit structures: $112,062| Here: | $112,062 | | State: | $129,336 |
In 5-or-more-unit structures: $332,762| Here: | $332,762 | | State: | $149,899 |
Mobile homes: $67,252| Here: | $67,252 | | State: | $39,606 |
Occupied boats, RVs, vans, etc.: $137,500| Here: | $137,500 | | State: | $95,296 |
Breakdown of mean house values by ages of householders
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Housing units in structures:
- One, detached: 1,635
- One, attached: 12
- Two: 82
- 3 or 4: 23
- 5 to 9: 52
- 10 to 19: 17
- 20 to 49: 8
- Mobile homes: 152
- Boats, RVs, vans, etc.: 7

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Means of transportation to work
- Drove a car alone: 1,957 (82%)
- Carpooled: 263 (11%)
- Ferryboat: 2 (0%)
- Bicycle: 3 (0%)
- Walked: 86 (4%)
- Other means: 4 (0%)
- Worked at home: 85 (4%)
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Travel time to work
- Less than 5 minutes: 128
- 5 to 9 minutes: 292
- 10 to 14 minutes: 187
- 15 to 19 minutes: 124
- 20 to 24 minutes: 110
- 25 to 29 minutes: 75
- 30 to 34 minutes: 275
- 35 to 39 minutes: 101
- 40 to 44 minutes: 137
- 45 to 59 minutes: 365
- 60 to 89 minutes: 381
- 90 or more minutes: 140
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Percentage of zip code residents living and working in this county: 53.5%
Household type by relationship
Households: 5,287
- In family households: 4,790 (1,212 male householders, 235 female householders)
1,222 spouses, 1,867 children (1,655 natural, 31 adopted, 181 stepchildren), 82 grandchildren, 24 brothers or sisters, 23 parents, 53 other relatives, 72 non-relatives
- In nonfamily households: 497 (197 male householders (160 living alone)), 230 female householders (213 living alone)), 70 nonrelatives
- In group quarters: 123 (112 institutionalized population)
Size of family households: 543 2-persons, 291 3-persons, 352 4-persons, 157 5-persons, 78 6-persons, 26 7-or-more-persons.
Size of nonfamily households: 373 1-person, 44 2-persons, 8 3-persons, 2 4-persons.
1,168 married couples with children.
289 single-parent households (57 men, 232 women).
95.0% of residents of 48097 zip code speak English at home.
2.7% of residents speak Spanish at home (74% very well, 8% well, 14% not well, 4% not at all).
2.1% of residents speak other Indo-European language at home (72% very well, 21% well, 7% not well).
0.1% of residents speak Asian or Pacific Island language at home (60% very well, 40% well).
0.1% of residents speak other language at home (50% very well, 50% well).
Foreign born population: 125 (2.3%)
(62.4% of them are naturalized citizens)
| This zip code: | 2.3% | | Whole state: | 5.3% |
Most common places of birth for the foreign-born residents:
- Germany (29%)
- Mexico (28%)
- Canada (27%)
- United Kingdom (5%)
- Other Western Europe (2%)
- Italy (2%)
- Poland (2%)
Year of entry for the foreign-born population |
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- 1995 to March 2000: 14
- 1990 to 1994: 12
- 1985 to 1989: 8
- 1980 to 1984: 6
- 1975 to 1979: 7
- 1970 to 1974: 8
- 1970 to 1974: 3
- 1965 to 1969: 67
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White population: 5,272
Black population: 18
American Indian population: 28
Asian population: 6
Native Hawaiian and Other Pacific Islander population: 1
Some other race population: 41
Two or more races population: 52

First ancestries reported:
|  German: 1064 |
|  Irish: 516 |
|  Polish: 441 |
|  English: 393 |
|  United States or American: 345 |
|  Other groups: 242 |
|  French (except Basque): 168 |
|  Scotch-Irish: 129 |
|  Scottish: 120 |
|  Italian: 117 |
|  French Canadian: 110 |
|  Hungarian: 53 |
|  Belgian: 48 |
|  Canadian: 39 |
|  Dutch: 29 |
|  Ukrainian: 25 |
|  Austrian: 22 |
|  Slovak: 18 |
|  Swedish: 17 |
|  Romanian: 16 |
|  Arab:: 13 |
|  Czechoslovakian: 13 |
|  European: 13 |
|  British: 13 |
|  Norwegian: 11 |
|  Lebanese: 11 |
|  Greek: 10 |
|  Croatian: 8 |
|  Russian: 8 |
|  Lithuanian: 6 |
|  Macedonian: 6 |
|  Danish: 5 |
|  Serbian: 4 |
|  Pennsylvania German: 4 |
|  Czech: 3 |
|  Portuguese: 3 |
|  Yugoslavian: 3 |
|  Syrian: 2 |
|  Slavic: 2 |
|  Finnish: 2 |
|  Welsh: 2 |
|  Swiss: 2 |

Facitilies with environmental interests located in this zip code:
- MI DEPT/ENVIRONMENTAL QUALITY (9 NORTH STREET in YALE, MI)
Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste))
Organizations: TIMOTHY J. BROWN TRUSTEE (CONTACT/OPERATOR)
, MI DEPT/ENVIRONMENTAL QUALITY - RRD (CONTACT/OWNER)
Alternative names: YALE UNITED METHODIST CHURCH
Median worth of mobile homes: $33,434
Housing units lacking complete plumbing facilities: 0%
Housing units lacking complete kitchen facilities: 1%
Most commonly used house heating fuel: |
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- Utility gas (41%)
- Bottled, tank, or LP gas (36%)
- Fuel oil, kerosene, etc. (10%)
- Electricity (9%)
- Wood (3%)
- Other fuel (1%)
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Place of birth for U.S.-born residents:
- This state: 4799
- Northeast: 76
- Midwest: 113
- South: 213
- West: 77
63% of the 48097 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 50% lived in this county.
Out of people who lived in different counties, 88% lived in Michigan.
Population in 1990: 5,665. Population change in the 1990s: -247 (-4.4%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 44
| Here: | 6.0% | | Michigan: | 11.2% |
Students in private schools in grades 9 to 12 (high school): 13
| Here: | 3.6% | | Michigan: | 8.7% |
Students in private undergraduate colleges: 25
| Here: | 17.1% | | Michigan: | 16.5% |
School Enrollment by Level of School
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Top industries in this zip code by the number of employees in 2005:
- Health Care and Social Assistance: Nursing Care Facilities (100-249 employees: 1 establishment)
- Accommodation and Food Services: Limited-Service Restaurants (20-49: 1, 5-9: 1)
- Professional, Scientific, and Technical Services: Payroll Services (20-49: 1)
- Health Care and Social Assistance: Offices of Dentists (5-9: 3, 1-4: 1)
- Health Care and Social Assistance: Offices of Physicians (except Mental Health Specialists) (10-19: 1, 5-9: 1)
Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)
Age and Sex of Physically-Disabled Residents (Noninstitutionalized)
Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)
Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)
Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)
Age and Sex of Residents with Employment Disability (Noninst.)
People in group quarters
- 112 people in nursing homes
- 6 people in homes for the mentally retarded
- 4 people in other group homes
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 20 | $111,296 | 52 | $99,225 | 148 | $126,621 | 37 | $29,513 | 2 | $536,770 | 12 | $116,160 | 22 | $122,298 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $113,225 | 5 | $83,200 | 37 | $115,423 | 3 | $32,990 | 0 | $0 | 3 | $40,817 | 7 | $62,783 |
| APPLICATIONS DENIED | 7 | $94,174 | 35 | $93,647 | 154 | $133,571 | 10 | $110,541 | 0 | $0 | 7 | $125,804 | 22 | $76,855 |
| APPLICATIONS WITHDRAWN | 7 | $110,949 | 8 | $127,693 | 37 | $125,805 | 2 | $71,290 | 0 | $0 | 2 | $138,385 | 2 | $86,385 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 8 | $97,080 | 10 | $114,734 | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 10 | $120,941 | 112 | $104,688 | 268 | $115,484 | 40 | $38,119 | 13 | $91,483 | 17 | $96,796 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $75,485 | 17 | $78,048 | 49 | $95,509 | 8 | $91,838 | 3 | $110,710 | 3 | $71,570 |
| APPLICATIONS DENIED | 2 | $131,675 | 32 | $113,539 | 178 | $143,559 | 34 | $57,870 | 8 | $148,030 | 8 | $111,338 |
| APPLICATIONS WITHDRAWN | 2 | $78,840 | 13 | $129,676 | 82 | $137,342 | 3 | $92,257 | 0 | $0 | 3 | $103,440 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 10 | $76,322 | 22 | $121,001 | 2 | $83,870 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 22 | $127,635 | 153 | $120,915 | 206 | $127,605 | 42 | $47,047 | 18 | $129,067 | 18 | $101,483 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 5 | $112,386 | 23 | $119,023 | 50 | $167,270 | 7 | $17,014 | 3 | $75,483 | 3 | $140,900 |
| APPLICATIONS DENIED | 5 | $98,966 | 44 | $104,113 | 193 | $127,465 | 25 | $57,032 | 2 | $141,740 | 34 | $86,830 |
| APPLICATIONS WITHDRAWN | 2 | $77,160 | 29 | $106,660 | 106 | $135,774 | 8 | $139,015 | 3 | $140,900 | 2 | $97,290 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 3 | $56,473 | 55 | $145,446 | 5 | $7,716 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 29 | $124,474 | 139 | $122,559 | 278 | $122,987 | 12 | $47,527 | 15 | $97,737 | 18 | $112,199 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 7 | $129,639 | 12 | $104,278 | 70 | $133,497 | 3 | $11,743 | 0 | $0 | 5 | $128,824 |
| APPLICATIONS DENIED | 8 | $119,095 | 39 | $94,881 | 183 | $138,198 | 23 | $42,518 | 10 | $120,941 | 32 | $91,838 |
| APPLICATIONS WITHDRAWN | 2 | $66,255 | 12 | $135,869 | 149 | $132,762 | 12 | $51,860 | 3 | $179,483 | 5 | $55,354 |
| FILES CLOSED FOR INCOMPLETENESS | 3 | $118,537 | 3 | $68,773 | 40 | $136,205 | 0 | $0 | 0 | $0 | 2 | $122,450 |
Aggregated Statistics For Year 2003 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 15 | $105,229 | 94 | $112,136 | 465 | $112,162 | 27 | $25,534 | 2 | $335,480 | 22 | $81,278 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $85,547 | 8 | $94,983 | 106 | $125,267 | 3 | $12,300 | 0 | $0 | 5 | $96,282 |
| APPLICATIONS DENIED | 0 | $0 | 22 | $97,060 | 235 | $111,265 | 29 | $30,136 | 0 | $0 | 12 | $95,192 |
| APPLICATIONS WITHDRAWN | 5 | $96,954 | 15 | $91,586 | 111 | $122,344 | 3 | $19,570 | 0 | $0 | 2 | $67,095 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 3 | $93,377 | 22 | $125,653 | 0 | $0 | 0 | $0 | 0 | $0 |
Detailed HMDA statistics for the following Tracts:
6551.00
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 10 | $112,386 | 10 | $180,488 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $82,193 | 5 | $220,074 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 2 | $114,065 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) | D) Loans On Manufactured Home Dwelling (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 17 | $137,152 | 23 | $171,460 | 3 | $109,590 | 0 | $0 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 7 | $109,750 | 5 | $119,430 | 0 | $0 | 2 | $94,775 |
| APPLICATIONS DENIED | 0 | $0 | 2 | $140,065 | 0 | $0 | 2 | $140,065 |
| APPLICATIONS WITHDRAWN | 2 | $49,485 | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 2 | $52,000 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 20 | $128,154 | 18 | $186,937 | 5 | $123,122 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $117,420 | 13 | $186,578 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 2 | $88,900 | 2 | $117,420 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| D) Loans On Manufactured Home Dwelling (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 20 | $143,921 | 12 | $145,934 | 0 | $0 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $119,097 | 13 | $142,579 | 0 | $0 |
| APPLICATIONS DENIED | 2 | $109,030 | 0 | $0 | 2 | $109,030 |
| APPLICATIONS WITHDRAWN | 5 | $143,250 | 2 | $144,255 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $134,190 | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 13 | $135,612 | 42 | $141,421 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 5 | $135,870 | 15 | $140,901 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 2 | $97,290 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Detailed PMIC statistics for the following Tracts:
6551.00
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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