Estimated median household income in 2007: $71,567
| This zip code: | $71,567 | | Michigan: | $47,950 |
Nearest zip codes: 48418, 48473, 48451, 48429, 48449, 48476.
Housing units in zip code 48436 with a mortgage: 547 (52 second mortgage, 106 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 177
Median monthly owner costs for units with a mortgage: $1,309
Median monthly owner costs for units without a mortgage: $428
Residents with income below the poverty level in 2007:
| This zip code: | 7.5% | | Whole state: | 14.0% |
Residents with income below 50% of the poverty level in 2007:
| This zip code: | 4.5% | | Whole state: | 6.5% |
Median number of rooms in houses and condos:
| Here: | 6.3 | | State: | 6.1 |
Median number of rooms in apartments:
| Here: | 5.6 | | State: | 4.1 |
Year house built: |
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- 1999 to March 2000: 2
- 1995 to 1998: 153
- 1990 to 1994: 103
- 1980 to 1989: 100
- 1970 to 1979: 360
- 1960 to 1969: 197
- 1950 to 1959: 108
- 1940 to 1949: 55
- 1939 or earlier: 199
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Bedrooms in owner-occupied houses in Gaines, MI (48436): |
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- no bedroom: 0
- 1 bedrooms: 11
- 2 bedrooms: 96
- 3 bedrooms: 760
- 4 bedrooms: 241
- 5 or more bedrooms: 29
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 0
- 1 bedrooms: 9
- 2 bedrooms: 44
- 3 bedrooms: 37
- 4 bedrooms: 13
- 5 or more bedrooms: 0
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Vehicles available in 48436 zip code in owner-occupied houses/condos: |
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- no vehicle: 34
- 1 vehicle: 157
- 2 vehicles: 498
- 3 vehicles: 265
- 4 vehicles: 156
- 5 or more vehicles: 27
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 8
- 1 vehicle: 17
- 2 vehicles: 56
- 3 vehicles: 6
- 4 vehicles: 0
- 5 or more vehicles: 16
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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 48436:
- Less than $10,000: 1
- $10,000 to $14,999: 1
- $20,000 to $24,999: 4
- $25,000 to $29,999: 3
- $50,000 to $59,999: 3
- $60,000 to $69,999: 5
- $70,000 to $79,999: 14
- $80,000 to $89,999: 27
- $90,000 to $99,999: 29
- $100,000 to $124,999: 69
- $125,000 to $149,999: 160
- $150,000 to $174,999: 128
- $175,000 to $199,999: 129
- $200,000 to $249,999: 222
- $250,000 to $299,999: 124
- $300,000 to $399,999: 126
- $400,000 to $499,999: 23
- $500,000 to $749,999: 9
- $1,000,000 or more: 23
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Rent paid by renters in 2007 in zip code 48436:
- $150 to $199: 2
- $300 to $349: 4
- $350 to $399: 3
- $400 to $449: 7
- $450 to $499: 21
- $550 to $599: 4
- No cash rent: 12
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Median price asked for vacant for-sale houses and condos in 2007: $76,341.
Estimated median house (or condo) value in 2007 for: - White Non-Hispanic householders: $164,759
- Black or African American householders: $131,863
- Some other race householders: $131,863
- Two or more races householders: $304,811
- Hispanic or Latino householders: $280,104
Estimated median house or condo value in 2007: $203,465 (it was $140,900 in 2000)
| 48436: | $203,465 | | Michigan: | $153,100 |
Lower value quartile - upper value quartile: $85,791 - $169,272
Mean price in 2007:
Detached houses: $249,405| Here: | $249,405 | | State: | $200,820 |
In 3-to-4-unit structures: $124,225| Here: | $124,225 | | State: | $151,605 |
Mobile homes: $5,000| Here: | $5,000 | | State: | $39,606 |
Breakdown of mean house values by ages of householders
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Housing units in structures:
- One, detached: 1,209
- One, attached: 8
- Two: 30
- 3 or 4: 16
- 5 to 9: 12
- Mobile homes: 2

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Means of transportation to work
- Drove a car alone: 1,720 (87%)
- Carpooled: 173 (9%)
- Walked: 14 (1%)
- Other means: 9 (0%)
- Worked at home: 71 (4%)
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Travel time to work
- Less than 5 minutes: 20
- 5 to 9 minutes: 56
- 10 to 14 minutes: 169
- 15 to 19 minutes: 278
- 20 to 24 minutes: 415
- 25 to 29 minutes: 256
- 30 to 34 minutes: 280
- 35 to 39 minutes: 46
- 40 to 44 minutes: 89
- 45 to 59 minutes: 133
- 60 to 89 minutes: 110
- 90 or more minutes: 64
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Percentage of zip code residents living and working in this county: 73.2%
Household type by relationship
Households: 3,631
- In family households: 3,341 (906 male householders, 107 female householders)
910 spouses, 1,214 children (1,086 natural, 3 adopted, 125 stepchildren), 67 grandchildren, 24 brothers or sisters, 9 parents, 48 other relatives, 56 non-relatives
- In nonfamily households: 290 (124 male householders (79 living alone)), 109 female householders (99 living alone)), 57 nonrelatives
Size of family households: 359 2-persons, 220 3-persons, 277 4-persons, 101 5-persons, 56 6-persons.
Size of nonfamily households: 178 1-person, 45 2-persons, 5 3-persons, 5 4-persons.
857 married couples with children.
117 single-parent households (47 men, 70 women).
95.9% of residents of 48436 zip code speak English at home.
2.7% of residents speak Spanish at home (67% very well, 23% well, 10% not well).
1.0% of residents speak other Indo-European language at home (100% very well).
0.1% of residents speak Asian or Pacific Island language at home (100% very well).
0.4% of residents speak other language at home (100% very well).
Foreign born population: 18 (0.5%)
(100.0% of them are naturalized citizens)
| This zip code: | 0.5% | | Whole state: | 5.3% |
Most common places of birth for the foreign-born residents:
- Brazil (44%)
- Canada (44%)
- United Kingdom (11%)
Year of entry for the foreign-born population |
|
- 1995 to March 2000: 0
- 1990 to 1994: 0
- 1985 to 1989: 0
- 1980 to 1984: 0
- 1975 to 1979: 0
- 1970 to 1974: 0
- 1970 to 1974: 8
- 1965 to 1969: 10
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White population: 3,622
Black population: 10
American Indian population: 37
Asian population: 11
Native Hawaiian and Other Pacific Islander population: 0
Some other race population: 17
Two or more races population: 56

First ancestries reported:
|  German: 540 |
|  English: 512 |
|  Irish: 407 |
|  Other groups: 254 |
|  United States or American: 246 |
|  French (except Basque): 201 |
|  Polish: 151 |
|  Scottish: 111 |
|  Swedish: 80 |
|  Scotch-Irish: 56 |
|  Dutch: 52 |
|  Finnish: 49 |
|  French Canadian: 42 |
|  Hungarian: 40 |
|  Italian: 37 |
|  Czechoslovakian: 27 |
|  Croatian: 23 |
|  Welsh: 17 |
|  Czech: 16 |
|  Belgian: 15 |
|  Norwegian: 15 |
|  Russian: 14 |
|  Canadian: 13 |
|  Swiss: 11 |
|  Arab:: 7 |
|  Palestinian: 7 |
|  Portuguese: 7 |
|  Serbian: 7 |
|  Scandinavian: 4 |
|  Romanian: 3 |
|  Danish: 2 |
|  Slovak: 2 |
|  Subsaharan African:: 2 |
|  African: 2 |
|  Austrian: 1 |

Facitilies with environmental interests located in this zip code:
- GAINES ELEMENTARY SCHOOL (300 LANSING STREET in GAINES, MI)
(National Center for Education Statistics) - STATE ID-01349
Organizations: SWARTZ CREEK COMMUNITY SCHOOLS (SCHOOL DISTRICT)
- ABBEY COUNTRY MARKET (111 GENESEE ST in GAINES, MI)
(Integrated Compliance Information System) - ICIS-05-2000-0562, FORMAL ENFORCEMENT ACTION, ICIS-05-2000-0568,
Business SIC classification: MISCELLANEOUS GENERAL MERCHANDISE STORES
Median worth of mobile homes: $10,513
Housing units lacking complete plumbing facilities: 0%
Housing units lacking complete kitchen facilities: 0%
Most commonly used house heating fuel: |
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- Bottled, tank, or LP gas (48%)
- Utility gas (35%)
- Fuel oil, kerosene, etc. (9%)
- Electricity (4%)
- Wood (3%)
- Other fuel (1%)
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Place of birth for U.S.-born residents:
- This state: 3223
- Northeast: 35
- Midwest: 117
- South: 197
- West: 41
68% of the 48436 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 63% lived in this county.
Out of people who lived in different counties, 88% lived in Michigan.
Population in 1990: 2,931. Population change in the 1990s: +822 (+28.0%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 30
| Here: | 6.5% | | Michigan: | 11.2% |
Students in private schools in grades 9 to 12 (high school): 5
| Here: | 1.8% | | Michigan: | 8.7% |
Students in private undergraduate colleges: 4
| Here: | 2.5% | | 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:
- Construction: Framing Contractors (5-9 employees: 2 establishments)
- Construction: Poured Concrete Foundation and Structure Contractors (5-9: 1, 1-4: 2)
- Construction: Electrical Contractors (5-9: 1, 1-4: 2)
- Construction: Site Preparation Contractors (5-9: 1, 1-4: 1)
- Construction: Drywall and Insulation Contractors (5-9: 1, 1-4: 1)
- Other Services (except Public Administration): Religious Organizations (5-9: 1, 1-4: 1)
- Professional, Scientific, and Technical Services: Engineering Services (5-9: 1)
- Other Services (except Public Administration): Appliance Repair and Maintenance (5-9: 1)
- Construction: Finish Carpentry Contractors (1-4: 3)
- Construction: Plumbing, Heating, and Air-Conditioning Contractors (1-4: 2)
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.)
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 6 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 | 15 | $147,125 | 109 | $135,253 | 202 | $137,415 | 32 | $44,103 | 15 | $117,908 | 8 | $128,521 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 20 | $98,483 | 53 | $145,758 | 7 | $91,823 | 1 | $87,590 | 4 | $91,473 |
| APPLICATIONS DENIED | 1 | $148,210 | 16 | $117,922 | 173 | $144,101 | 30 | $35,022 | 3 | $110,327 | 7 | $48,620 |
| APPLICATIONS WITHDRAWN | 2 | $109,010 | 27 | $119,393 | 55 | $160,721 | 0 | $0 | 0 | $0 | 2 | $161,420 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 6 | $100,258 | 20 | $167,074 | 1 | $49,100 | 2 | $180,910 | 1 | $131,030 |
Aggregated Statistics For Year 2006 (Based on 6 partial tracts)
|
| 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 | 7 | $129,470 | 217 | $116,984 | 306 | $116,754 | 42 | $37,223 | 17 | $113,891 | 9 | $117,112 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $160,030 | 19 | $126,659 | 64 | $118,234 | 10 | $62,453 | 2 | $151,435 | 2 | $129,425 |
| APPLICATIONS DENIED | 3 | $127,247 | 48 | $128,118 | 195 | $135,731 | 25 | $52,216 | 7 | $123,517 | 10 | $77,095 |
| APPLICATIONS WITHDRAWN | 2 | $81,045 | 37 | $139,562 | 91 | $147,788 | 11 | $124,238 | 4 | $118,305 | 4 | $122,760 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $177,910 | 25 | $146,784 | 1 | $42,970 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 6 partial tracts)
|
| 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 | 18 | $146,439 | 183 | $123,964 | 371 | $133,659 | 43 | $43,153 | 10 | $141,217 | 9 | $115,990 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $114,905 | 32 | $124,131 | 59 | $140,298 | 6 | $46,028 | 2 | $103,120 | 2 | $56,625 |
| APPLICATIONS DENIED | 3 | $130,200 | 22 | $162,980 | 213 | $136,400 | 21 | $46,584 | 2 | $190,330 | 8 | $92,396 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 19 | $159,888 | 130 | $157,935 | 14 | $73,576 | 2 | $256,860 | 4 | $142,895 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $253,030 | 58 | $145,288 | 2 | $170,935 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 6 partial tracts)
|
| 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 | 18 | $146,313 | 160 | $142,035 | 388 | $134,031 | 50 | $50,783 | 14 | $120,810 | 9 | $121,911 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $107,560 | 26 | $142,949 | 66 | $138,870 | 8 | $93,405 | 2 | $77,330 | 5 | $60,972 |
| APPLICATIONS DENIED | 2 | $116,850 | 25 | $123,390 | 201 | $147,921 | 23 | $55,998 | 4 | $88,485 | 12 | $91,162 |
| APPLICATIONS WITHDRAWN | 3 | $129,860 | 9 | $147,287 | 118 | $140,095 | 8 | $70,019 | 1 | $180,460 | 4 | $109,078 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 7 | $144,560 | 64 | $155,205 | 3 | $132,567 | 0 | $0 | 1 | $120,290 |
Aggregated Statistics For Year 2003 (Based on 6 partial tracts)
|
| 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) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 19 | $130,763 | 153 | $140,143 | 904 | $126,057 | 47 | $23,043 | 23 | $94,216 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 6 | $139,252 | 11 | $178,941 | 109 | $125,686 | 6 | $31,095 | 2 | $181,685 |
| APPLICATIONS DENIED | 5 | $115,080 | 21 | $106,641 | 230 | $123,235 | 29 | $18,514 | 8 | $78,224 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 8 | $143,241 | 120 | $121,216 | 2 | $38,045 | 2 | $116,010 |
| FILES CLOSED FOR INCOMPLETENESS | 2 | $139,170 | 5 | $162,424 | 25 | $141,386 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 1999 (Based on 2 partial tracts)
|
| 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) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 11 | $114,335 | 106 | $109,422 | 214 | $105,605 | 51 | $17,984 | 9 | $90,513 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 21 | $64,894 | 42 | $99,707 | 9 | $15,286 | 3 | $54,470 |
| APPLICATIONS DENIED | 1 | $85,080 | 51 | $57,688 | 72 | $94,293 | 16 | $12,320 | 5 | $64,028 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 7 | $128,744 | 63 | $94,071 | 7 | $81,376 | 3 | $66,477 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 17 | $110,393 | 0 | $0 | 0 | $0 |
See detailed HMDA statistics for the following Tracts:
0128.01
, 0128.02, 0130.01
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007 (Based on 6 partial tracts)
|
| 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 | 38 | $156,045 | 29 | $188,181 | 1 | $143,630 | 1 | $169,410 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 4 | $174,050 | 11 | $224,507 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 1 | $301,790 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 5 | $163,538 | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 6 partial tracts)
|
| 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 | 29 | $162,807 | 13 | $205,378 | 2 | $185,820 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 10 | $244,152 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $184,390 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 6 partial tracts)
|
| 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 | 21 | $182,873 | 14 | $184,267 | 0 | $0 | 1 | $149,290 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 9 | $171,388 | 11 | $190,293 | 2 | $223,410 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 1 | $214,830 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $176,140 | 4 | $149,913 | 1 | $176,140 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 6 partial tracts)
|
| 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 | 35 | $170,373 | 35 | $179,235 | 4 | $137,833 | 1 | $144,990 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 12 | $149,621 | 17 | $177,911 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 2 | $270,905 | 5 | $118,956 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $195,190 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 6 partial tracts)
|
| 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 | 39 | $147,496 | 63 | $167,738 | 1 | $123,990 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 7 | $152,684 | 21 | $146,271 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 2 | $173,450 | 1 | $129,950 |
| APPLICATIONS WITHDRAWN | 1 | $168,110 | 8 | $158,851 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 4 | $161,368 | 0 | $0 |
Aggregated Statistics For Year 1999 (Based on 2 partial tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
|
| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 27 | $133,568 | 21 | $143,399 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $154,703 | 3 | $115,950 |
| APPLICATIONS DENIED | 1 | $137,830 | 1 | $216,840 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $101,170 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
See detailed PMIC statistics for the following Tracts:
0128.01
, 0128.02, 0130.01
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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