Estimated median household income in 2007: $49,510
| This zip code: | $49,510 | | Michigan: | $47,950 |
Nearest zip codes: 48435, 48421, 48463, 48746, 48744, 48446.
Housing units in zip code 48464 with a mortgage: 361 (9 second mortgage, 47 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 123
Median monthly owner costs for units with a mortgage: $1,150
Median monthly owner costs for units without a mortgage: $342
Residents with income below the poverty level in 2007:
| This zip code: | 12.0% | | Whole state: | 14.0% |
Residents with income below 50% of the poverty level in 2007:
| This zip code: | 3.0% | | Whole state: | 6.5% |
Median number of rooms in houses and condos:
| Here: | 5.7 | | State: | 6.1 |
Median number of rooms in apartments:
| Here: | 4.1 | | State: | 4.1 |
Year house built: |
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- 1999 to March 2000: 22
- 1995 to 1998: 61
- 1990 to 1994: 64
- 1980 to 1989: 53
- 1970 to 1979: 147
- 1960 to 1969: 140
- 1950 to 1959: 136
- 1940 to 1949: 59
- 1939 or earlier: 181
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Bedrooms in owner-occupied houses in Otter Lake, MI (48464): |
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- no bedroom: 0
- 1 bedrooms: 4
- 2 bedrooms: 174
- 3 bedrooms: 401
- 4 bedrooms: 58
- 5 or more bedrooms: 18
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 0
- 1 bedrooms: 13
- 2 bedrooms: 54
- 3 bedrooms: 8
- 4 bedrooms: 0
- 5 or more bedrooms: 0
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Vehicles available in 48464 zip code in owner-occupied houses/condos: |
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- no vehicle: 22
- 1 vehicle: 153
- 2 vehicles: 262
- 3 vehicles: 149
- 4 vehicles: 57
- 5 or more vehicles: 12
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 6
- 1 vehicle: 30
- 2 vehicles: 24
- 3 vehicles: 11
- 4 vehicles: 4
- 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 48464:
- $20,000 to $24,999: 1
- $25,000 to $29,999: 2
- $30,000 to $34,999: 2
- $40,000 to $49,999: 6
- $50,000 to $59,999: 12
- $60,000 to $69,999: 9
- $70,000 to $79,999: 7
- $80,000 to $89,999: 20
- $90,000 to $99,999: 26
- $100,000 to $124,999: 111
- $125,000 to $149,999: 123
- $150,000 to $174,999: 103
- $175,000 to $199,999: 54
- $200,000 to $249,999: 49
- $250,000 to $299,999: 26
- $300,000 to $399,999: 39
- $400,000 to $499,999: 14
- $500,000 to $749,999: 6
- $1,000,000 or more: 7
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Rent paid by renters in 2007 in zip code 48464:
- $300 to $349: 5
- $350 to $399: 7
- $400 to $449: 7
- $500 to $549: 6
- $600 to $649: 10
- No cash rent: 21
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Median price asked for vacant for-sale houses and condos in 2007: $218,615.
Estimated median house (or condo) value in 2007 for: - White Non-Hispanic householders: $140,330
- American Indian or Alaska Native householders: $65,931
- Some other race householders: $182,248
- Two or more races householders: $190,854
- Hispanic or Latino householders: $104,102
Estimated median house or condo value in 2007: $153,357 (it was $106,200 in 2000)
| 48464: | $153,357 | | Michigan: | $153,100 |
Lower value quartile - upper value quartile: $87,136 - $150,832
Mean price in 2007:
Detached houses: $192,403| Here: | $192,403 | | State: | $200,820 |
Townhouses or other attached units: $132,535| Here: | $132,535 | | State: | $181,134 |
Mobile homes: $103,935| Here: | $103,935 | | State: | $39,606 |
Owners and renters by unit type in %
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Breakdown of mean house values by ages of householders
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Housing units in structures:
- One, detached: 750
- One, attached: 11
- Two: 9
- 3 or 4: 11
- 5 to 9: 7
- Mobile homes: 75

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Means of transportation to work
- Drove a car alone: 697 (83%)
- Carpooled: 97 (12%)
- Bus or trolley bus: 7 (1%)
- Motorcycle: 3 (0%)
- Walked: 9 (1%)
- Worked at home: 28 (3%)
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Travel time to work
- Less than 5 minutes: 11
- 5 to 9 minutes: 15
- 10 to 14 minutes: 24
- 15 to 19 minutes: 50
- 20 to 24 minutes: 67
- 25 to 29 minutes: 46
- 30 to 34 minutes: 159
- 35 to 39 minutes: 46
- 40 to 44 minutes: 47
- 45 to 59 minutes: 137
- 60 to 89 minutes: 148
- 90 or more minutes: 63
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Percentage of zip code residents living and working in this county: 41.9%
Household type by relationship
Households: 1,998
- In family households: 1,806 (497 male householders, 66 female householders)
477 spouses, 632 children (574 natural, 8 adopted, 50 stepchildren), 31 grandchildren, 11 brothers or sisters, 4 parents, 28 other relatives, 60 non-relatives
- In nonfamily households: 192 (92 male householders (58 living alone)), 62 female householders (60 living alone)), 38 nonrelatives
- In group quarters: 36 (0 institutionalized population)
Size of family households: 206 2-persons, 157 3-persons, 120 4-persons, 62 5-persons, 10 6-persons, 8 7-or-more-persons.
Size of nonfamily households: 118 1-person, 33 2-persons, 3 4-persons.
386 married couples with children.
111 single-parent households (33 men, 78 women).
97.8% of residents of 48464 zip code speak English at home.
0.8% of residents speak Spanish at home (100% very well).
1.4% of residents speak other Indo-European language at home (92% very well, 8% not well).
Foreign born population: 3 (0.1%)
(100.0% of them are naturalized citizens)
| This zip code: | 0.1% | | Whole state: | 5.3% |
Most common places of birth for the foreign-born residents:
Year of entry for the foreign-born population |
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- 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: 0
- 1965 to 1969: 3
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White population: 2,016
Black population: 10
American Indian population: 25
Asian population: 5
Native Hawaiian and Other Pacific Islander population: 0
Some other race population: 15
Two or more races population: 12

First ancestries reported:
|  German: 331 |
|  Irish: 206 |
|  English: 191 |
|  United States or American: 166 |
|  Polish: 133 |
|  Other groups: 101 |
|  Scottish: 67 |
|  Italian: 62 |
|  French (except Basque): 52 |
|  Hungarian: 40 |
|  Dutch: 25 |
|  Scotch-Irish: 22 |
|  Swedish: 20 |
|  European: 18 |
|  Welsh: 14 |
|  Finnish: 7 |
|  Czech: 7 |
|  Romanian: 7 |
|  French Canadian: 5 |
|  Norwegian: 5 |
|  Croatian: 3 |
|  Pennsylvania German: 2 |
|  Russian: 2 |

Facitilies with environmental interests located in this zip code:
- FLEUR DAVID (13000 WASHBURN RD in OTTER LAKE, MI)
CRITERIA AND HAZARDOUS AIR POLLUTANT INVENTORY (Inventory of air pollution sources)
Business SIC and NAICS classification: CRUDE PETROLEUM AND NATURAL GAS
Median worth of mobile homes: $109,658
Housing units lacking complete plumbing facilities: 1%
Housing units lacking complete kitchen facilities: 2%
Most commonly used house heating fuel: |
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- Utility gas (57%)
- Bottled, tank, or LP gas (33%)
- Fuel oil, kerosene, etc. (6%)
- Electricity (3%)
- Wood (1%)
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Place of birth for U.S.-born residents:
- This state: 1819
- Northeast: 46
- Midwest: 62
- South: 62
- West: 36
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, 97% lived in Michigan.
Population in 1990: 2,442. Population change in the 1990s: -359 (-14.7%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 5
| Here: | 1.9% | | Michigan: | 11.2% |
Students in private schools in grades 9 to 12 (high school): 0
| Here: | 0.0% | | Michigan: | 8.7% |
Students in private undergraduate colleges: 16
| Here: | 30.8% | | 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: Residential Mental Health and Substance Abuse Facilities (20-49 employees: 1 establishment)
- Accommodation and Food Services: Drinking Places (Alcoholic Beverages) (5-9: 1)
- Construction: Framing Contractors (5-9: 1)
- Accommodation and Food Services: Limited-Service Restaurants (5-9: 1)
- Construction: Residential Remodelers (1-4: 2)
- Professional, Scientific, and Technical Services: Computer Systems Design Services (1-4: 1)
- Other Services (except Public Administration): General Automotive Repair (1-4: 1)
- Construction: Other Foundation, Structure, and Building Exterior Contractors (1-4: 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.)
35 people in homes or halfway houses for drug/alcohol abuse
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 4 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 | 7 | $111,639 | 22 | $105,010 | 66 | $109,047 | 13 | $53,558 | 8 | $96,614 | 7 | $111,693 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $141,350 | 2 | $75,405 | 14 | $108,134 | 0 | $0 | 0 | $0 | 1 | $163,210 |
| APPLICATIONS DENIED | 0 | $0 | 10 | $68,773 | 78 | $123,680 | 9 | $76,454 | 6 | $112,285 | 6 | $117,302 |
| APPLICATIONS WITHDRAWN | 3 | $69,960 | 3 | $141,417 | 21 | $110,238 | 2 | $15,060 | 2 | $51,960 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $55,650 | 11 | $133,604 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 4 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 | 7 | $147,819 | 33 | $98,535 | 106 | $107,133 | 24 | $59,705 | 11 | $79,787 | 14 | $104,683 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 12 | $81,208 | 42 | $97,585 | 2 | $12,135 | 1 | $102,000 | 3 | $153,090 |
| APPLICATIONS DENIED | 0 | $0 | 3 | $51,763 | 90 | $118,465 | 9 | $75,252 | 4 | $157,518 | 5 | $87,206 |
| APPLICATIONS WITHDRAWN | 2 | $65,380 | 7 | $73,577 | 47 | $124,587 | 1 | $21,950 | 3 | $78,037 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $73,820 | 20 | $114,277 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 4 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 | 9 | $135,979 | 53 | $112,707 | 132 | $114,143 | 16 | $51,632 | 17 | $81,465 | 14 | $88,129 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 4 | $173,848 | 25 | $99,196 | 1 | $55,790 | 6 | $89,748 | 0 | $0 |
| APPLICATIONS DENIED | 2 | $89,710 | 12 | $91,148 | 112 | $131,581 | 10 | $74,268 | 8 | $76,869 | 6 | $146,043 |
| APPLICATIONS WITHDRAWN | 1 | $192,350 | 5 | $108,714 | 41 | $133,924 | 10 | $158,068 | 6 | $185,150 | 3 | $155,080 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $118,280 | 34 | $119,551 | 0 | $0 | 1 | $72,860 | 3 | $115,187 |
Aggregated Statistics For Year 2004 (Based on 4 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 | $115,680 | 45 | $131,628 | 149 | $141,220 | 18 | $58,972 | 15 | $98,404 | 8 | $86,106 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 9 | $82,530 | 45 | $119,492 | 2 | $12,540 | 2 | $139,220 | 5 | $99,104 |
| APPLICATIONS DENIED | 2 | $59,180 | 13 | $113,949 | 108 | $114,714 | 13 | $45,442 | 4 | $47,975 | 9 | $115,482 |
| APPLICATIONS WITHDRAWN | 1 | $70,890 | 8 | $137,610 | 68 | $116,768 | 2 | $98,940 | 0 | $0 | 1 | $63,640 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $158,830 | 24 | $115,687 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 4 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) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 5 | $131,524 | 43 | $116,574 | 245 | $110,147 | 20 | $20,005 | 12 | $112,371 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $89,785 | 3 | $130,127 | 24 | $120,665 | 5 | $16,612 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 10 | $94,310 | 125 | $108,458 | 12 | $24,550 | 6 | $131,910 |
| APPLICATIONS WITHDRAWN | 2 | $58,590 | 5 | $66,334 | 76 | $123,485 | 2 | $60,215 | 2 | $49,545 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $68,405 | 19 | $101,772 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 1999 (Based on 1 partial tract)
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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) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 6 | $106,557 | 19 | $236,235 | 58 | $81,252 | 15 | $13,217 | 2 | $78,060 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 8 | $72,318 | 17 | $99,841 | 4 | $29,618 | 2 | $110,010 |
| APPLICATIONS DENIED | 1 | $110,870 | 10 | $79,028 | 25 | $79,704 | 10 | $12,711 | 1 | $23,830 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 2 | $101,895 | 22 | $82,362 | 2 | $77,715 | 1 | $31,090 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $74,260 | 8 | $81,341 | 0 | $0 | 0 | $0 |
Detailed HMDA statistics for the following Tracts:
3310.00
, 3315.00
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007 (Based on 4 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 | 10 | $112,000 | 3 | $165,533 | 1 | $169,040 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $122,050 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 4 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 | 8 | $117,418 | 8 | $173,345 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $159,310 | 3 | $153,037 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 4 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 | $139,468 | 6 | $108,212 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $131,150 | 2 | $153,835 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $285,610 |
Aggregated Statistics For Year 2004 (Based on 4 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 | 13 | $129,841 | 10 | $152,686 | 3 | $81,090 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $73,880 | 8 | $146,059 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 4 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 | 17 | $137,183 | 24 | $126,557 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $142,800 | 5 | $130,026 |
| APPLICATIONS DENIED | 0 | $0 | 1 | $186,520 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 4 | $131,513 |
Aggregated Statistics For Year 1999 (Based on 1 partial tract)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 4 | $137,728 | 4 | $105,780 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 1 | $104,660 |
| APPLICATIONS DENIED | 1 | $115,020 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Detailed PMIC statistics for the following Tracts:
3310.00
, 3315.00
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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