Estimated median household income in 2007: $49,570
| This zip code: | $49,570 | | Michigan: | $47,950 |
Nearest zip codes: 48760, 48741, 48461, 48453, 48729, 48744.
Percentage of family households:
| This zip code: | 74.7% | | Whole state: | 68.0% |
Percentage of households with unmarried partners:
| This zip code: | 6.4% | | Whole state: | 5.3% |
No gay or lesbian households reported
Housing units in zip code 48727 with a mortgage: 152 (14 second mortgage, 13 home equity loan, 2 both second mortgage and home equity loan)
Houses without a mortgage: 78
Median monthly owner costs for units with a mortgage: $1,089
Median monthly owner costs for units without a mortgage: $342
Residents with income below the poverty level in 2007:
| This zip code: | 11.3% | | Whole state: | 14.0% |
Residents with income below 50% of the poverty level in 2007:
| This zip code: | 5.7% | | Whole state: | 6.5% |
Median number of rooms in houses and condos:
| Here: | 6.1 | | State: | 6.1 |
Median number of rooms in apartments:
| Here: | 4.9 | | State: | 4.1 |
Year house built: |
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- 1999 to March 2000: 2
- 1995 to 1998: 35
- 1990 to 1994: 33
- 1980 to 1989: 33
- 1970 to 1979: 116
- 1960 to 1969: 66
- 1950 to 1959: 41
- 1940 to 1949: 15
- 1939 or earlier: 147
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Bedrooms in owner-occupied houses in Clifford, MI (48727): |
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- no bedroom: 0
- 1 bedrooms: 14
- 2 bedrooms: 66
- 3 bedrooms: 253
- 4 bedrooms: 74
- 5 or more bedrooms: 12
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 0
- 1 bedrooms: 6
- 2 bedrooms: 19
- 3 bedrooms: 19
- 4 bedrooms: 4
- 5 or more bedrooms: 0
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Vehicles available in 48727 zip code in owner-occupied houses/condos: |
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- no vehicle: 20
- 1 vehicle: 87
- 2 vehicles: 176
- 3 vehicles: 94
- 4 vehicles: 26
- 5 or more vehicles: 16
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 3
- 1 vehicle: 20
- 2 vehicles: 18
- 3 vehicles: 5
- 4 vehicles: 2
- 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 48727:
- $10,000 to $14,999: 1
- $15,000 to $19,999: 3
- $20,000 to $24,999: 3
- $25,000 to $29,999: 4
- $30,000 to $34,999: 6
- $35,000 to $39,999: 1
- $40,000 to $49,999: 3
- $50,000 to $59,999: 19
- $60,000 to $69,999: 17
- $70,000 to $79,999: 16
- $80,000 to $89,999: 13
- $90,000 to $99,999: 18
- $100,000 to $124,999: 67
- $125,000 to $149,999: 50
- $150,000 to $174,999: 46
- $175,000 to $199,999: 25
- $200,000 to $249,999: 49
- $250,000 to $299,999: 21
- $300,000 to $399,999: 11
- $400,000 to $499,999: 7
- $500,000 to $749,999: 11
- $750,000 to $999,999: 8
- $1,000,000 or more: 3
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Rent paid by renters in 2007 in zip code 48727:
- $100 to $149: 1
- $150 to $199: 2
- $200 to $249: 2
- $300 to $349: 4
- $400 to $449: 5
- $500 to $549: 9
- $550 to $599: 4
- No cash rent: 10
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Median price asked for vacant for-sale houses and condos in 2007: $55,521.
Estimated median house (or condo) value in 2007 for: - White Non-Hispanic householders: $126,449
- Black or African American householders: $117,982
- American Indian or Alaska Native householders: $117,982
- Some other race householders: $111,042
- Two or more races householders: $117,982
- Hispanic or Latino householders: $121,452
Estimated median house or condo value in 2007: $144,692 (it was $100,200 in 2000)
| 48727: | $144,692 | | Michigan: | $153,100 |
Lower value quartile - upper value quartile: $62,259 - $126,630
Mean price in 2007:
Detached houses: $202,865| Here: | $202,865 | | State: | $200,820 |
Mobile homes: $52,073| Here: | $52,073 | | 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: 427
- Two: 2
- Mobile homes: 59

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Means of transportation to work
- Drove a car alone: 443 (77%)
- Carpooled: 74 (13%)
- Walked: 14 (2%)
- Other means: 8 (1%)
- Worked at home: 33 (6%)
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Travel time to work
- Less than 5 minutes: 15
- 5 to 9 minutes: 58
- 10 to 14 minutes: 73
- 15 to 19 minutes: 46
- 20 to 24 minutes: 11
- 25 to 29 minutes: 32
- 30 to 34 minutes: 59
- 35 to 39 minutes: 13
- 40 to 44 minutes: 34
- 45 to 59 minutes: 70
- 60 to 89 minutes: 67
- 90 or more minutes: 61
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Percentage of zip code residents living and working in this county: 39.3%
Household type by relationship
Households: 1,288
- In family households: 1,144 (280 male householders, 60 female householders)
290 spouses, 434 children (382 natural, 15 adopted, 37 stepchildren), 27 grandchildren, 6 brothers or sisters, 6 parents, 19 other relatives, 22 non-relatives
- In nonfamily households: 144 (54 male householders (40 living alone)), 68 female householders (61 living alone)), 22 nonrelatives
Size of family households: 123 2-persons, 74 3-persons, 82 4-persons, 45 5-persons, 6 6-persons, 10 7-or-more-persons.
Size of nonfamily households: 101 1-person, 19 2-persons, 2 3-persons.
268 married couples with children.
46 single-parent households (16 men, 30 women).
95.7% of residents of 48727 zip code speak English at home.
2.7% of residents speak Spanish at home (75% very well, 16% well, 9% not well).
1.5% of residents speak other Indo-European language at home (100% very well).
0.2% of residents speak Asian or Pacific Island language at home (100% very well).
Foreign born population: 13 (1.0%)
(84.6% of them are naturalized citizens)
| This zip code: | 1.0% | | Whole state: | 5.3% |
Most common places of birth for the foreign-born residents:
- Jordan (23%)
- France (15%)
- Germany (15%)
- Other Western Europe (15%)
- Philippines (15%)
- Canada (15%)
Year of entry for the foreign-born population |
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- 1995 to March 2000: 0
- 1990 to 1994: 3
- 1985 to 1989: 0
- 1980 to 1984: 2
- 1975 to 1979: 0
- 1970 to 1974: 0
- 1970 to 1974: 2
- 1965 to 1969: 6
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White population: 1,228
Black population: 2
American Indian population: 8
Asian population: 4
Native Hawaiian and Other Pacific Islander population: 0
Some other race population: 11
Two or more races population: 22

First ancestries reported:
|  German: 185 |
|  United States or American: 156 |
|  Other groups: 115 |
|  English: 101 |
|  Polish: 95 |
|  Irish: 76 |
|  French (except Basque): 51 |
|  Scotch-Irish: 32 |
|  Italian: 24 |
|  French Canadian: 24 |
|  Scottish: 18 |
|  Hungarian: 16 |
|  Dutch: 10 |
|  Norwegian: 10 |
|  European: 6 |
|  Ukrainian: 5 |
|  Czech: 4 |
|  Welsh: 4 |
|  Finnish: 3 |
|  Swedish: 3 |
|  Belgian: 2 |
|  Lithuanian: 2 |
|  Czechoslovakian: 2 |
|  Danish: 2 |
|  Iranian: 1 |
|  Russian: 1 |
Median worth of mobile homes: $46,471
Housing units lacking complete plumbing facilities: 2%
Housing units lacking complete kitchen facilities: 1%
Most commonly used house heating fuel: |
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- Bottled, tank, or LP gas (43%)
- Fuel oil, kerosene, etc. (26%)
- Utility gas (21%)
- Electricity (5%)
- Wood (4%)
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Place of birth for U.S.-born residents:
- This state: 1111
- Northeast: 14
- Midwest: 64
- South: 60
- West: 18
65% of the 48727 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 26% lived in this county.
Out of people who lived in different counties, 88% lived in Michigan.
Population in 1990: 1,444. Population change in the 1990s: -169 (-11.7%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 12
| Here: | 7.4% | | Michigan: | 11.2% |
Students in private schools in grades 9 to 12 (high school): 14
| Here: | 15.1% | | Michigan: | 8.7% |
Students in private undergraduate colleges: 2
| Here: | 10.0% | | 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: Site Preparation Contractors (10-19 employees: 2 establishments, 1-4 employees: 1 establishment)
- Construction: Plumbing, Heating, and Air-Conditioning Contractors (5-9: 1, 1-4: 1)
- Health Care and Social Assistance: Other Individual and Family Services (5-9: 1)
- Construction: Manufacturing (1-4: 1)
- Other Services (except Public Administration): Religious Organizations (1-4: 1)
- Construction: Masonry 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.)
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
| 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 | 3 | $133,483 | 7 | $141,394 | 29 | $104,943 | 5 | $51,314 | 1 | $159,230 | 5 | $86,438 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 1 | $116,380 | 9 | $113,206 | 2 | $18,780 | 0 | $0 | 1 | $116,380 |
| APPLICATIONS DENIED | 0 | $0 | 3 | $166,460 | 34 | $121,654 | 6 | $51,842 | 1 | $129,080 | 6 | $105,183 |
| APPLICATIONS WITHDRAWN | 1 | $169,810 | 1 | $124,840 | 8 | $123,720 | 2 | $74,855 | 1 | $22,750 | 1 | $85,170 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $63,215 | 2 | $89,400 | 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 | 4 | $130,795 | 13 | $101,690 | 34 | $107,340 | 10 | $28,725 | 3 | $67,360 | 5 | $87,074 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $69,830 | 2 | $77,235 | 6 | $125,462 | 1 | $29,620 | 0 | $0 | 2 | $65,065 |
| APPLICATIONS DENIED | 1 | $62,420 | 5 | $101,356 | 43 | $114,658 | 9 | $42,849 | 2 | $62,160 | 7 | $86,303 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $79,880 | 15 | $138,034 | 2 | $81,995 | 0 | $0 | 1 | $152,350 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $109,500 | 3 | $102,097 | 0 | $0 | 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 | 4 | $133,573 | 21 | $108,722 | 42 | $118,748 | 11 | $34,048 | 8 | $91,518 | 9 | $80,056 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $112,940 | 2 | $93,370 | 15 | $134,719 | 2 | $14,020 | 1 | $222,180 | 1 | $97,340 |
| APPLICATIONS DENIED | 1 | $111,090 | 7 | $95,523 | 34 | $137,416 | 6 | $82,965 | 1 | $5,820 | 3 | $71,063 |
| APPLICATIONS WITHDRAWN | 1 | $122,730 | 3 | $120,790 | 21 | $138,371 | 1 | $63,480 | 1 | $89,930 | 1 | $46,550 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $84,110 | 11 | $132,635 | 1 | $23,810 | 0 | $0 | 1 | $48,670 |
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 | 4 | $103,155 | 26 | $118,313 | 54 | $118,711 | 10 | $42,902 | 4 | $85,963 | 10 | $97,495 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $63,480 | 3 | $109,327 | 12 | $129,782 | 1 | $62,950 | 1 | $129,080 | 1 | $73,530 |
| APPLICATIONS DENIED | 1 | $65,070 | 9 | $103,390 | 38 | $125,248 | 9 | $54,722 | 2 | $39,675 | 6 | $110,032 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $279,310 | 16 | $139,921 | 1 | $35,440 | 1 | $248,630 | 2 | $111,620 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $151,290 | 11 | $136,675 | 1 | $12,700 | 0 | $0 | 2 | $146,800 |
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
| 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 | 4 | $111,223 | 21 | $119,932 | 98 | $112,137 | 10 | $23,911 | 6 | $70,445 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 2 | $94,690 | 17 | $116,442 | 1 | $35,440 | 0 | $0 |
| APPLICATIONS DENIED | 1 | $64,540 | 4 | $96,543 | 37 | $115,108 | 3 | $14,637 | 1 | $16,930 |
| APPLICATIONS WITHDRAWN | 1 | $164,520 | 1 | $79,350 | 15 | $133,343 | 2 | $26,715 | 1 | $142,830 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $51,840 | 0 | $0 | 5 | $141,454 | 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 | 1 | $69,450 | 8 | $99,319 | 21 | $94,064 | 7 | $16,007 | 1 | $40,200 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 3 | $50,650 | 5 | $92,220 | 1 | $20,850 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 13 | $51,612 | 8 | $92,381 | 3 | $17,800 | 1 | $53,250 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $38,100 | 7 | $90,364 | 1 | $20,400 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 2 | $103,575 | 0 | $0 | 0 | $0 |
Detailed HMDA statistics for the following Tracts:
3305.00
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 | 2 | $77,765 | 1 | $142,300 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $102,100 | 2 | $181,975 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $60,310 | 0 | $0 |
| 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
| D) Loans On Manufactured Home Dwelling (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 3 | $159,757 | 2 | $103,685 | 1 | $68,770 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $78,820 | 2 | $168,220 | 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 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) | D) Loans On Manufactured Home Dwelling (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 5 | $112,466 | 4 | $186,870 | 2 | $77,765 | 0 | $0 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $99,450 | 1 | $148,120 | 0 | $0 | 1 | $80,940 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $83,580 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (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 | 5 | $119,766 | 4 | $122,068 | 2 | $100,245 | 1 | $119,550 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $71,420 | 2 | $113,735 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 1 | $125,900 | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2003 (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 | 5 | $124,738 | 8 | $178,405 | 2 | $39,675 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $90,990 | 5 | $164,096 | 0 | $0 |
| APPLICATIONS DENIED | 1 | $16,930 | 0 | $0 | 1 | $16,930 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $25,920 | 0 | $0 | 0 | $0 |
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 | 2 | $93,450 | 2 | $122,700 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Detailed PMIC statistics for the following Tracts:
3305.00
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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