48464 Zip Code Detailed Profile




City: Otter Lake, MI (4.36%)
Counties: Lapeer County, MI (72.46%), Tuscola County, MI (20.68%), Genesee County, MI (6.86%)
Estimated zip code population in 2013: 2,019
Zip code population in 2010: 2,231
Zip code population in 2000: 2,083

Houses and condos: 868
Renter-occupied apartments: 119
% of renters here:

17%
State:

29%
Mar. 2013 cost of living index in zip code 48464: 84.2 (less than average, U.S. average is 100)

Land area: 18.5 sq. mi.
Water area: 0.8 sq. mi.
Population density: 109 people per square mile 
 
 (very low).

Age and Sex of Residents in zip code 48464
Zip code 48464 (Otter Lake, Michigan) real estate house value trends
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Real estate property taxes paid for housing units in 2013:
This zip code:

1.5% ($1,587)
Michigan:

1.8% ($2,090)
Median real estate property taxes paid for housing units with mortgages in 2013: $1,538 (1.4%)
Median real estate property taxes paid for housing units with no mortgage in 2013: $1,637 (1.7%)

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Males: 1,022  (50.6%)
Females: 997  (49.4%)

For population 25 years and over in 48464:

For population 15 years and over in 48464:

Zip code 48464 compared to state average:

  • Black race population percentage significantly below state average.
  • Foreign-born population percentage significantly below state average.
  • Renting percentage below state average.
  • Number of college students below state average.
  • Percentage of population with a bachelor's degree or higher below state average.
  • Races in zip code 48464

  • Zip code 48464 races chart
    • 2,117White population
    • 7Black population
    • 26American Indian population
    • 5Asian population
    • 1Native Hawaiian and Other Pacific Islander population
    • 0Some other race population
    • 24Two or more races population
    • 51Hispanic or Latino population

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Based on 2000-2013 data
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123
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100% rural population.

Estimated median house/condo value in 2013: $107,200
48464:

$107,200
Michigan:

$117,500



According to our research of Michigan and other state lists there were 6 registered sex offenders living in 48464 zip code as of September 04, 2015.
The ratio of number of residents in zip code 48464 to the number of sex offenders is 377 to 1.


Median resident age:
This zip code:

39.9 years
Michigan median age:

39.6 years
Average household size:
This zip code:

2.8 people
Michigan:

2.5 people

Averages for the 2012 tax year for zip code 48464, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $40,456 (Individual Income Tax Returns)
Here:

$40,456
State:

$55,609

Salary/wage: $32,847 (reported on 87.1% of returns)
Here:

$32,847
State:

$46,782
(% of AGI for various income ranges: 59.3% for AGIs below $25k, 65.0% for AGIs $25k-50k, 71.4% for AGIs $50k-75k, 83.2% for AGIs $75k-100k, 69.7% for AGIs $100k-200k)

Taxable interest for individuals: $396 (reported on 29.0% of returns)
This zip code:

$396
Michigan:

$1,491
(% of AGI for various income ranges: 0.7% for AGIs below $25k, 0.3% for AGIs $25k-50k, 0.2% for AGIs $50k-75k, 0.4% for AGIs $100k-200k)

Ordinary dividends: $1,589 (reported on 9.7% of returns)
Here:

$1,589
State:

$6,225
(% of AGI for various income ranges: 0.7% for AGIs below $25k, 0.3% for AGIs $25k-50k, 0.4% for AGIs $50k-75k, 0.6% for AGIs $75k-100k)

Profit/loss from business: +$3,258 (reported on 12.9% of returns)
Here:

+$3,258
State:

+$11,523
(% of AGI for various income ranges: 5.1% for AGIs below $25k, 1.4% for AGIs $25k-50k, 0.6% for AGIs $75k-100k)

Taxable individual retirement arrangement distribution: $8,678 (reported on 9.7% of returns)
48464:

$8,678
Michigan:

$15,298
(% of AGI for various income ranges: 2.0% for AGIs below $25k, 2.0% for AGIs $25k-50k, 5.8% for AGIs $50k-75k)

Total itemized deductions: $17,277 (23% of AGI, reported on 23.7% of returns)
Here:

$17,277
State:

$21,628

Here:

23.5% of AGI
State:

18.4% of AGI
(% of AGI for various income ranges: 6.0% for AGIs below $25k, 8.2% for AGIs $25k-50k, 10.5% for AGIs $50k-75k, 11.4% for AGIs $75k-100k, 12.6% for AGIs $100k-200k)

Charity contributions: $2,106 (reported on 18.3% of returns)
Here:

$2,106
State:

$4,225
(% of AGI for various income ranges: 0.7% for AGIs $25k-50k, 1.1% for AGIs $50k-75k, 1.1% for AGIs $75k-100k, 1.5% for AGIs $100k-200k)

Taxes paid: $5,059 (reported on 23.7% of returns)
48464:

$5,059
State:

$8,327
(% of AGI for various income ranges: 1.6% for AGIs below $25k, 2.1% for AGIs $25k-50k, 2.9% for AGIs $50k-75k, 3.3% for AGIs $75k-100k, 4.3% for AGIs $100k-200k)

Earned income credit: $1,984 (reported on 20.4% of returns)
Here:

$1,984
State:

$2,306
(% of AGI for various income ranges: 6.2% for AGIs below $25k, 1.1% for AGIs $25k-50k)

Averages for the 2004 tax year for zip code 48464, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $38,778 (Individual Income Tax Returns)
Here:

$38,778
State:

$48,204

Salary/wage: $35,087 (reported on 89.1% of returns)
Here:

$35,087
State:

$42,791
(% of AGI for various income ranges: 112.3% for AGIs below $10k, 61.8% for AGIs $10k-25k, 75.0% for AGIs $25k-50k, 81.6% for AGIs $50k-75k, 88.8% for AGIs $75k-100k, 84.6% for AGIs over 100k)

Taxable interest for individuals: $815 (reported on 41.8% of returns)
This zip code:

$815
Michigan:

$1,725
(% of AGI for various income ranges: 6.5% for AGIs below $10k, 2.1% for AGIs $10k-25k, 0.8% for AGIs $25k-50k, 0.8% for AGIs $50k-75k, 0.4% for AGIs $75k-100k, 0.4% for AGIs over 100k)

Taxable dividends: $792 (reported on 16.4% of returns)
Here:

$792
State:

$3,420
(% of AGI for various income ranges: 0.6% for AGIs below $10k, 1.2% for AGIs $10k-25k, 0.1% for AGIs $25k-50k, 0.2% for AGIs $50k-75k, 0.6% for AGIs $75k-100k, 0.1% for AGIs over 100k)

Net capital gain/loss: +$2,529 (reported on 10.0% of returns)
Here:

+$2,529
State:

+$8,532
(% of AGI for various income ranges: 0.0% for AGIs below $10k, 0.5% for AGIs $10k-25k, 0.4% for AGIs $25k-50k, 1.2% for AGIs $50k-75k, -0.0% for AGIs $75k-100k, 1.1% for AGIs over 100k)

Profit/loss from business: +$3,296 (reported on 13.9% of returns)
Here:

+$3,296
State:

+$9,547
(% of AGI for various income ranges: 7.3% for AGIs below $10k, 6.2% for AGIs $10k-25k, 2.7% for AGIs $25k-50k, -0.1% for AGIs $50k-75k, -0.6% for AGIs $75k-100k)

Total itemized deductions: $16,129 (25% of AGI, reported on 34.1% of returns)
Here:

$16,129
State:

$18,509

Here:

24.9% of AGI
State:

20.7% of AGI
(% of AGI for various income ranges: 7.9% for AGIs $10k-25k, 13.2% for AGIs $25k-50k, 15.2% for AGIs $50k-75k, 13.3% for AGIs $75k-100k, 20.2% for AGIs over 100k)

Charity contributions deductions: $1,905 (3% of AGI, reported on 27.9% of returns)
Here:

$1,905
State:

$3,365

Here:

2.8% of AGI
State:

3.6% of AGI
(% of AGI for various income ranges: 0.5% for AGIs $10k-25k, 1.0% for AGIs $25k-50k, 1.2% for AGIs $50k-75k, 1.7% for AGIs $75k-100k, 2.5% for AGIs over 100k)

Total tax: $4,325 (reported on 74.1% of returns)
48464:

$4,325
State:

$7,691
(% of AGI for various income ranges: 2.3% for AGIs below $10k, 3.8% for AGIs $10k-25k, 5.6% for AGIs $25k-50k, 8.3% for AGIs $50k-75k, 10.2% for AGIs $75k-100k, 12.9% for AGIs over 100k)

Earned income credit: $1,690 (reported on 15.2% of returns)
Here:

$1,690
State:

$1,737

Percentage of individuals using paid preparers for their 2004 taxes: 69.9%
Here:

70%
State:

60%
(% for various income ranges: 57.8% for AGIs below $10k, 69.2% for AGIs $10k-25k, 68.9% for AGIs $25k-50k, 77.0% for AGIs $50k-75k, 77.7% for AGIs $75k-100k, 85.7% for AGIs over 100k)

Estimated median household income in 2013:
This zip code:

$54,637
Michigan:

$48,273
Otter Lake, MI (48464) map Nearest zip codes: 48435, 48421, 48463, 48746, 48744, 48446.
Percentage of family households:
This zip code:

56.9%
Michigan:

49.0%
Percentage of households with unmarried partners:
This zip code:

5.7%
Michigan:

6.4%
Likely homosexual households (counted as self-reported same-sex unmarried-partner households)

Household received Food Stamps/SNAP in the past 12 months: 97
Household did not receive Food Stamps/SNAP in the past 12 months: 610


Women who had a birth in the past 12 months: 11 (7 now married, 4 unmarried)
Women who did not have a birth in the past 12 months: 386 (255 now married, 131 unmarried)


Housing units in zip code 48464 with a mortgage: 396 (3 second mortgage, 36 home equity loan)
Houses without a mortgage: 192

Median monthly owner costs for units with a mortgage: $1,155
Median monthly owner costs for units without a mortgage: S425

Residents with income below the poverty level in 2013:
This zip code:

16.5%
Whole state:

17.0%
Residents with income below 50% of the poverty level in 2013:
This zip code:

5.2%
Whole state:

9.1%
Median number of rooms in houses and condos:
Here:

6.2
State:

6.4
Median number of rooms in apartments:
Here:

4.8
State:

4.5
  • Notable locations in this zip code not listed on our city pages

  • Click to draw/clear zip code borders
  • Notable locations in zip code 48464: Otter Lake Village Campground (A), Genesee-Otter Lake Campground (B), Otter Lake Fire and Rescue (C), Otter Lake Branch Library (D), Village of Otter Lake Museum (E). Display/hide their locations on the map

    Churches in zip code 48464 include: Church of Jesus Christ (A), Saint John's Episcopal Church (B), Otter Lake Seventh Day Church (C), Otter Lake United Methodist Church (D), Otter Lake Church of the Nazarene (E). Display/hide their locations on the map

    Cemetery: Otter Lake Cemetery (1). Display/hide its location on the map

    Lakes and reservoirs: Otter Lake (A), North Lake (B), Mud Lake (C), Hemmingway Lake (D), Hart Lake (E), Lake Henson (F). Display/hide their locations on the map

    Streams, rivers, and creeks: Joslyn Drain (A). Display/hide its location on the map

    Park in zip code 48464: Otter Lake Park (1). Display/hide its location on the map

Year house built

  • 02010 or later
  • 1062000 to 2009
  • 971990 to 1999
  • 961980 to 1989
  • 1361970 to 1979
  • 811960 to 1969
  • 871950 to 1959
  • 451940 to 1949
  • 2201939 or earlier

Zip code 48464 satellite photo by USGS

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in Otter Lake, MI (48464)

  • 0no bedroom
  • 311 bedroom
  • 1242 bedrooms
  • 3783 bedrooms
  • 504 bedrooms
  • 55+ bedrooms

Bedrooms in renter-occupied apartments in Otter Lake, MI (48464)

  • 0no bedroom
  • 121 bedroom
  • 462 bedrooms
  • 413 bedrooms
  • 204 bedrooms
  • 05+ bedrooms
Owner-occupied Renter-occupied

Cars and other vehicles available in Otter Lake, MI (48464) in owner-occupied houses/condos

  • 14no vehicle
  • 1261 vehicle
  • 2562 vehicles
  • 1263 vehicles
  • 354 vehicles
  • 315+ vehicles

Cars and other vehicles available in Otter Lake, MI (48464) in renter-occupied apartments

  • 0no vehicle
  • 771 vehicle
  • 302 vehicles
  • 123 vehicles
  • 04 vehicles
  • 05+ vehicles

Median gross rent in 2013: $713.

Estimated median house (or condo) value in 2013 for:


Estimated median house or condo value in 2013: $107,200
48464:

$107,200
Michigan:

$117,500
Lower value quartile - upper value quartile: $72,000 - $166,600

Mean price in 2013:

Detached houses: $119,635
Here:

$119,635
State:

$159,597

Mobile homes: $51,667
Here:

$51,667
State:

$33,033

Owners and renters by unit type in %

Housing units in structures:


Unemployment: 12.8%

Percentage of zip code residents living and working in this county: 30.3%

Household type by relationship:

Households: 2,004

Size of family households: 204 2-persons, 138 3-persons, 97 4-persons, 63 5-persons, 31 6-persons

Size of nonfamily households: 135 1-person, 24 2-persons, 15 5-persons

448 married couples with children.
38 single-parent households (8 men, 30 women).

99.6% of residents of 48464 zip code speak English at home.
0.2% of residents speak Spanish at home (75% very well, 25% well).
0.2% of residents speak other Indo-European language at home (100% well).

Foreign born population: 8 (0.4%)
(50.0% of them are naturalized citizens)
This zip code:

0.4%
Whole state:

6.2%

Most common places of birth for the foreign-born residents

  • 100%Germany

Most common first ancestries reported in 48464 (%)

  • 19%German
  • 15%Other groups
  • 12%Irish
  • 7%English
  • 6%Polish
  • 4%Italian
  • 4%American

Year of entry for the foreign-born population

  • 02010 or later
  • 02000 to 2009
  • 01990 to 1999
  • 8Before 1990

Zip code 48464 topographic map

Facilities with environmental interests located in this zip code:


Zip code 48464 marital status for males
Zip code 48464 marital status for females

Housing units lacking complete plumbing facilities: 2.3%
Housing units lacking complete kitchen facilities: 4.1%

Most commonly used house heating fuel

  • 54%Utility gas
  • 30%Bottled, tank, or LP gas
  • 9%Wood
  • 5%Electricity
  • 1%Fuel oil, kerosene, etc.
  • 1%Other fuel

Population in 1990: 2,442. Population change in the 1990s: -359 (-14.7%).

Place of birth for U.S.-born residents:


62% of the 48464 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 29% lived in this county.
   Out of people who lived in different counties, 50% lived in Michigan.

90% of the 48464 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 28% moved from this county.
   Out of people who lived in different houses, 49% moved from different county within same state.
   Out of people who lived in different houses, 23% moved from different state.

Year Householders Moved Into Unit

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 19
Here:

8.3%
Michigan:

10.2%
Students in private schools in grades 9 to 12 (high school):
Here:

0.0%
Michigan:

8.6%
Students in private undergraduate colleges: 17
Here:

23.6%
Michigan:

14.1%

Educational Attainment (%)

School Enrollment by Level of School (%)

Class of Workers (%)

Occupation by median earnings in the past 12 months ($)

  • 75,625Health diagnosing and treating practitioners and other technical occupations
  • 62,981Architecture and engineering occupations
  • 62,639Material moving occupations
  • 53,750Installation, maintenance, and repair occupations
  • 49,375Production occupations
  • 48,393Office and administrative support occupations

Top industries in this zip code by the number of employees in 2005:


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 (Noninstitutionalized)

People in group quarters in 2010:

  • 7 people in residential treatment centers for adults

People in group quarters in 2000:

  • 35 people in homes or halfway houses for drug/alcohol abuse

Fatal accident statistics in 2011:

  • Fatal accident count: 2
  • Vehicles involved in fatal accidents: 3
  • Fatal accidents caused by drunken drivers: 0
  • Fatalities: 2
  • Persons involved in fatal accidents: 4
  • Pedestrians involved in fatal accidents: 0
Home Mortgage Disclosure Act Aggregated Statistics For Year 2009
(Based on 4 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)
NumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED8$87,52316$58,60954$116,7322$17,24012$73,6304$81,868
APPLICATIONS APPROVED, NOT ACCEPTED1$123,8600$08$117,3990$00$01$186,520
APPLICATIONS DENIED5$75,2685$28,15221$95,0932$5,0752$33,6750$0
APPLICATIONS WITHDRAWN5$99,4980$015$111,6650$00$00$0
FILES CLOSED FOR INCOMPLETENESS0$00$01$66,8600$00$00$0
Choose year:  2009 2008 2007 2006 2005 2004 2003 1999

Detailed HMDA statistics for the following Tracts: 3310.00 , 3315.00

Private Mortgage Insurance Companies Aggregated Statistics For Year 2009
(Based on 4 partial tracts)
A) Conventional
Home Purchase Loans
NumberAverage Value
LOANS ORIGINATED0$0
APPLICATIONS APPROVED, NOT ACCEPTED0$0
APPLICATIONS DENIED0$0
APPLICATIONS WITHDRAWN0$0
FILES CLOSED FOR INCOMPLETENESS1$154,460
Choose year:  2009 2008 2007 2006 2005 2004 2003 1999

Detailed PMIC statistics for the following Tracts: 3310.00 , 3315.00

Conventional Home Purchase Loans

Conventional Home Purchase Loans - Value

Most common first names in zip code 48464 among deceased individuals
NameCountLived (average)
William1574.7 years
Robert1469.4 years
Charles1269.5 years
John1271.8 years
Mary1077.2 years
Frank875.7 years
George875.1 years
James865.4 years
Carl777.1 years
Joseph569.8 years
Most common last names in zip code 48464 among deceased individuals
Last nameCountLived (average)
Jones969.8 years
Smith872.5 years
Hemingway669.0 years
Gifford573.2 years
Candela577.2 years
Newbery575.0 years
Hoard478.2 years
Flanagin460.5 years
Broughman376.7 years
Edwards371.7 years

Businesses in zip code 48464



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