49078 Zip Code Detailed Profile




City: Otsego, MI (4.38%)
Counties: Allegan County, MI (85.40%), Kalamazoo County, MI (12.46%), Van Buren County, MI (2.14%)
Estimated zip code population in 2013: 8,964
Zip code population in 2010: 8,902
Zip code population in 2000: 9,076

Houses and condos: 3,718
Renter-occupied apartments: 664
% of renters here:

19%
State:

29%
Mar. 2013 cost of living index in zip code 49078: 80.6 (low, U.S. average is 100)

Land area: 48.0 sq. mi.
Water area: 0.7 sq. mi.
Population density: 187 people per square mile 
 
 (very low).

Age and Sex of Residents in zip code 49078
Zip code 49078 (Otsego, Michigan) real estate house value trends

Recent home sales, real estate maps, and home value estimator for zip code 49078

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Real estate property taxes paid for housing units in 2013:
This zip code:

1.5% ($1,747)
Michigan:

1.8% ($2,090)
Median real estate property taxes paid for housing units with mortgages in 2013: $1,818 (1.5%)
Median real estate property taxes paid for housing units with no mortgage in 2013: $1,625 (1.5%)

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Males: 4,368  (48.7%)
Females: 4,596  (51.3%)

For population 25 years and over in 49078:

For population 15 years and over in 49078:

Zip code 49078 compared to state average:

  • Black race population percentage significantly below state average.
  • Hispanic race population percentage below state average.
  • Foreign-born population percentage significantly below state average.
  • Renting percentage below state average.
  • Percentage of population with a bachelor's degree or higher below state average.
  • Races in zip code 49078

  • Zip code 49078 races chart
    • 8,459White population
    • 36Black population
    • 20American Indian population
    • 40Asian population
    • 0Native Hawaiian and Other Pacific Islander population
    • 9Some other race population
    • 118Two or more races population
    • 220Hispanic or Latino population

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49078, MI forum
Recent posts about zip code 49078 area on our local forum with over 1,900,000 registered users:
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Urban population: 4,835
Rural population: 4,128

Estimated median house/condo value in 2013: $117,700
49078:

$117,700
Michigan:

$117,500



According to our research of Michigan and other state lists there were 26 registered sex offenders living in 49078 zip code as of May 29, 2016.
The ratio of number of residents in zip code 49078 to the number of sex offenders is 347 to 1.
The number of registered sex offenders compared to the number of residents in this zip code is near the state average.


Median resident age:
This zip code:

40.8 years
Michigan median age:

39.6 years
Average household size:
This zip code:

2.5 people
Michigan:

2.5 people

Averages for the 2012 tax year for zip code 49078, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $45,887 (Individual Income Tax Returns)
Here:

$45,887
State:

$55,609

Salary/wage: $42,366 (reported on 82.1% of returns)
Here:

$42,366
State:

$46,782
(% of AGI for various income ranges: 67.4% for AGIs below $25k, 80.4% for AGIs $25k-50k, 81.2% for AGIs $50k-75k, 78.3% for AGIs $75k-100k, 79.3% for AGIs $100k-200k, 45.8% for AGIs over 200k)

Taxable interest for individuals: $913 (reported on 30.1% of returns)
This zip code:

$913
Michigan:

$1,491
(% of AGI for various income ranges: 1.5% for AGIs below $25k, 0.5% for AGIs $25k-50k, 0.4% for AGIs $50k-75k, 0.4% for AGIs $75k-100k, 0.6% for AGIs $100k-200k, 0.7% for AGIs over 200k)

Ordinary dividends: $2,200 (reported on 16.8% of returns)
Here:

$2,200
State:

$6,225
(% of AGI for various income ranges: 1.3% for AGIs below $25k, 0.6% for AGIs $25k-50k, 0.8% for AGIs $50k-75k, 0.7% for AGIs $75k-100k, 0.9% for AGIs $100k-200k, 0.8% for AGIs over 200k)

Net capital gain/loss in AGI: +$1,679 (reported on 12.4% of returns)
Here:

+$1,679
State:

+$9,326
(% of AGI for various income ranges: 0.1% for AGIs $25k-50k, 0.3% for AGIs $50k-75k, 0.9% for AGIs $75k-100k, 1.0% for AGIs $100k-200k)

Profit/loss from business: +$7,515 (reported on 12.8% of returns)
Here:

+$7,515
State:

+$11,523
(% of AGI for various income ranges: 4.8% for AGIs below $25k, 1.8% for AGIs $25k-50k, 2.5% for AGIs $50k-75k, 1.2% for AGIs $75k-100k, 2.3% for AGIs $100k-200k)

Taxable individual retirement arrangement distribution: $11,544 (reported on 12.6% of returns)
49078:

$11,544
Michigan:

$15,298
(% of AGI for various income ranges: 4.7% for AGIs below $25k, 3.8% for AGIs $25k-50k, 2.6% for AGIs $50k-75k, 3.7% for AGIs $75k-100k, 3.3% for AGIs $100k-200k)

Total itemized deductions: $16,792 (19% of AGI, reported on 24.0% of returns)
Here:

$16,792
State:

$21,628

Here:

19.3% of AGI
State:

18.4% of AGI
(% of AGI for various income ranges: 6.2% for AGIs below $25k, 7.1% for AGIs $25k-50k, 8.2% for AGIs $50k-75k, 9.7% for AGIs $75k-100k, 11.6% for AGIs $100k-200k, 8.2% for AGIs over 200k)

Charity contributions: $2,995 (reported on 18.9% of returns)
Here:

$2,995
State:

$4,225
(% of AGI for various income ranges: 0.7% for AGIs below $25k, 0.7% for AGIs $25k-50k, 1.1% for AGIs $50k-75k, 1.5% for AGIs $75k-100k, 1.7% for AGIs $100k-200k, 1.7% for AGIs over 200k)

Taxes paid: $5,950 (reported on 24.0% of returns)
49078:

$5,950
State:

$8,327
(% of AGI for various income ranges: 1.3% for AGIs below $25k, 1.9% for AGIs $25k-50k, 2.6% for AGIs $50k-75k, 3.2% for AGIs $75k-100k, 4.8% for AGIs $100k-200k, 4.9% for AGIs over 200k)

Earned income credit: $2,001 (reported on 16.8% of returns)
Here:

$2,001
State:

$2,306
(% of AGI for various income ranges: 5.1% for AGIs below $25k, 1.1% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2012 taxes: 61.5%
Here:

62%
State:

57%
(% for various income ranges: 59.1% for AGIs below $25k, 61.4% for AGIs $25k-50k, 64.0% for AGIs $50k-75k, 66.7% for AGIs $75k-100k, 60.0% for AGIs $100k-200k, 100.0% for AGIs over 200k)

Averages for the 2004 tax year for zip code 49078, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $41,337 (Individual Income Tax Returns)
Here:

$41,337
State:

$48,204

Salary/wage: $39,289 (reported on 86.7% of returns)
Here:

$39,289
State:

$42,791
(% of AGI for various income ranges: 92.6% for AGIs below $10k, 73.6% for AGIs $10k-25k, 84.3% for AGIs $25k-50k, 86.5% for AGIs $50k-75k, 85.4% for AGIs $75k-100k, 76.1% for AGIs over 100k)

Taxable interest for individuals: $1,072 (reported on 40.6% of returns)
This zip code:

$1,072
Michigan:

$1,725
(% of AGI for various income ranges: 3.4% for AGIs below $10k, 2.4% for AGIs $10k-25k, 0.9% for AGIs $25k-50k, 0.5% for AGIs $50k-75k, 0.6% for AGIs $75k-100k, 1.4% for AGIs over 100k)

Taxable dividends: $1,319 (reported on 22.5% of returns)
Here:

$1,319
State:

$3,420
(% of AGI for various income ranges: 2.0% for AGIs below $10k, 1.5% for AGIs $10k-25k, 0.6% for AGIs $25k-50k, 0.5% for AGIs $50k-75k, 0.5% for AGIs $75k-100k, 0.9% for AGIs over 100k)

Net capital gain/loss: +$2,703 (reported on 15.9% of returns)
Here:

+$2,703
State:

+$8,532
(% of AGI for various income ranges: -1.9% for AGIs below $10k, 0.4% for AGIs $10k-25k, 0.2% for AGIs $25k-50k, 0.5% for AGIs $50k-75k, 1.3% for AGIs $75k-100k, 2.8% for AGIs over 100k)

Profit/loss from business: +$7,230 (reported on 14.2% of returns)
Here:

+$7,230
State:

+$9,547
(% of AGI for various income ranges: 3.7% for AGIs below $10k, 2.9% for AGIs $10k-25k, 2.1% for AGIs $25k-50k, 2.7% for AGIs $50k-75k, 1.0% for AGIs $75k-100k, 3.6% for AGIs over 100k)

IRA payment deduction: $2,349 (reported on 2.0% of returns)
49078:

$2,349
Michigan:

$2,875

Self-employed pension: $11,538 (reported on 0.3% of returns)
Here:

$11,538
Michigan:

$13,826

Total itemized deductions: $14,492 (20% of AGI, reported on 31.7% of returns)
Here:

$14,492
State:

$18,509

Here:

19.7% of AGI
State:

20.7% of AGI
(% of AGI for various income ranges: 6.3% for AGIs below $10k, 8.4% for AGIs $10k-25k, 10.2% for AGIs $25k-50k, 12.9% for AGIs $50k-75k, 12.8% for AGIs $75k-100k, 10.3% for AGIs over 100k)

Charity contributions deductions: $2,287 (3% of AGI, reported on 25.6% of returns)
Here:

$2,287
State:

$3,365

Here:

2.9% of AGI
State:

3.6% of AGI
(% of AGI for various income ranges: 0.3% for AGIs below $10k, 0.8% for AGIs $10k-25k, 0.9% for AGIs $25k-50k, 1.5% for AGIs $50k-75k, 1.8% for AGIs $75k-100k, 1.8% for AGIs over 100k)

Total tax: $5,679 (reported on 74.2% of returns)
49078:

$5,679
State:

$7,691
(% of AGI for various income ranges: 2.2% for AGIs below $10k, 3.9% for AGIs $10k-25k, 6.7% for AGIs $25k-50k, 8.1% for AGIs $50k-75k, 9.9% for AGIs $75k-100k, 19.6% for AGIs over 100k)

Earned income credit: $1,530 (reported on 13.2% of returns)
Here:

$1,530
State:

$1,737

Percentage of individuals using paid preparers for their 2004 taxes: 62.3%
Here:

62%
State:

60%
(% for various income ranges: 53.4% for AGIs below $10k, 65.3% for AGIs $10k-25k, 63.6% for AGIs $25k-50k, 63.9% for AGIs $50k-75k, 64.6% for AGIs $75k-100k, 70.5% for AGIs over 100k)

Estimated median household income in 2013:
This zip code:

$49,363
Michigan:

$48,273
Otsego, MI (49078) map Nearest zip codes: 49070, 49080, 49010, 49055, 49328, 49009.
Percentage of family households:
This zip code:

58.4%
Michigan:

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

7.3%
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: 471
Household did not receive Food Stamps/SNAP in the past 12 months: 3,037


Women who had a birth in the past 12 months: 93 (63 now married, 30 unmarried)
Women who did not have a birth in the past 12 months: 1,934 (1,022 now married, 912 unmarried)


Housing units in zip code 49078 with a mortgage: 1,791 (81 second mortgage, 303 home equity loan, 10 both second mortgage and home equity loan)
Houses without a mortgage: 1,053

Median monthly owner costs for units with a mortgage: $1,126
Median monthly owner costs for units without a mortgage: S403

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

12.0%
Whole state:

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

6.4%
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:

4.7
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 49078: Bittersweet Ski Resort (A), Lynx Golf Course (B), Otsego Station (C), Prairiewood Golf Course (D), Otsego Fire Department and Rescue (E), Otsego Police Department (F), Otsego Public Library (G). Display/hide their locations on the map

    Churches in zip code 49078 include: Peace Church (A), Watson Bible Church (B), First Congregational Church (C), Seventh Day Adventist Church (D), Good Shepherd Nazarene Church (E), First Baptist Church (F), United Methodist Church (G), Saint Margaret's Catholic Church (H), Otsego Church of God (I). Display/hide their locations on the map

    Cemeteries: Hicks Cemetery (1), Mountain Home Cemetery (2), Pine Creek Cemetery (3). Display/hide their locations on the map

    Lakes: Wetheral Lake (A), Hicks Lake (B), Barbour Lake (C), Schnable Lake (D), Ruppert Lake (E). Display/hide their locations on the map

    Streams, rivers, and creeks: Pine Creek (A), Base Line Creek (B), Schnable Brook (C), Miner Creek (D). Display/hide their locations on the map

    Parks in zip code 49078 include: Otsego Methodist Church Historical Marker (1), North Side Park (2). Display/hide their locations on the map

Year house built

  • 72010 or later
  • 3372000 to 2009
  • 4851990 to 1999
  • 3701980 to 1989
  • 6271970 to 1979
  • 3471960 to 1969
  • 3071950 to 1959
  • 2201940 to 1949
  • 1,0181939 or earlier

Zip code 49078 satellite photo by USGS

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in Otsego, MI (49078)

  • 0no bedroom
  • 311 bedroom
  • 5772 bedrooms
  • 1,7053 bedrooms
  • 3924 bedrooms
  • 1395+ bedrooms

Bedrooms in renter-occupied apartments in Otsego, MI (49078)

  • 0no bedroom
  • 1231 bedroom
  • 3322 bedrooms
  • 1763 bedrooms
  • 224 bedrooms
  • 115+ bedrooms
Owner-occupied Renter-occupied

Cars and other vehicles available in Otsego, MI (49078) in owner-occupied houses/condos

  • 29no vehicle
  • 6181 vehicle
  • 1,4152 vehicles
  • 5673 vehicles
  • 1524 vehicles
  • 635+ vehicles

Cars and other vehicles available in Otsego, MI (49078) in renter-occupied apartments

  • 127no vehicle
  • 3401 vehicle
  • 1472 vehicles
  • 443 vehicles
  • 04 vehicles
  • 65+ vehicles

Median gross rent in 2013: $677.

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


Estimated median house or condo value in 2013: $117,700
49078:

$117,700
Michigan:

$117,500
Lower value quartile - upper value quartile: $84,200 - $173,500

Owners and renters by unit type in %

Housing units in structures:


Unemployment: 13.3%

Percentage of zip code residents living and working in this county: 50.1%

Household type by relationship:

Households: 8,932

Size of family households: 1,322 2-persons, 397 3-persons, 478 4-persons, 283 5-persons, 42 6-persons, 27 7-or-more-persons

Size of nonfamily households: 779 1-person, 180 2-persons

1,638 married couples with children.
430 single-parent households (89 men, 341 women).

98.5% of residents of 49078 zip code speak English at home.
0.8% of residents speak Spanish at home (88% very well, 12% well).
0.4% of residents speak other Indo-European language at home (100% very well).
0.2% of residents speak Asian or Pacific Island language at home (58% very well, 42% well).
0.2% of residents speak other language at home (100% very well).

Foreign born population: 101 (1.1%)
(52.5% of them are naturalized citizens)
This zip code:

1.1%
Whole state:

6.2%

Most common places of birth for the foreign-born residents

  • 33%Mexico
  • 24%Belgium
  • 12%Germany
  • 11%Cambodia
  • 8%Syria
  • 6%Other Eastern Africa
  • 5%Netherlands

Most common first ancestries reported in 49078 (%)

  • 18%German
  • 13%Dutch
  • 10%Other groups
  • 7%Irish
  • 6%English
  • 6%American
  • 5%French (except Basque)

Year of entry for the foreign-born population

  • 242010 or later
  • 242000 to 2009
  • 261990 to 1999
  • 66Before 1990

Zip code 49078 topographic map

Major facilities with environmental interests located in this zip code:


Zip code 49078 marital status for males
Zip code 49078 marital status for females

Housing units lacking complete plumbing facilities: 0.8%
Housing units lacking complete kitchen facilities: 0.5%

Most commonly used house heating fuel

  • 65%Utility gas
  • 14%Bottled, tank, or LP gas
  • 7%Wood
  • 6%Fuel oil, kerosene, etc.
  • 4%Electricity
  • 4%Other fuel

Population in 1990: 10,614. Population change in the 1990s: -1,538 (-14.5%).

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


60% of the 49078 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 60% lived in this county.
   Out of people who lived in different counties, 50% lived in Michigan.

91% of the 49078 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 62% moved from this county.
   Out of people who lived in different houses, 26% moved from different county within same state.
   Out of people who lived in different houses, 12% 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): 118
Here:

10.7%
Michigan:

10.2%
Students in private schools in grades 9 to 12 (high school): 34
Here:

6.0%
Michigan:

8.6%
Students in private undergraduate colleges: 22
Here:

5.7%
Michigan:

14.1%

Educational Attainment (%)

School Enrollment by Level of School (%)

Class of Workers (%)

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

  • 65,625Management occupations
  • 52,500Business and financial operations occupations
  • 45,200Education, training, and library occupations
  • 42,656Construction and extraction occupations
  • 42,586Health diagnosing and treating practitioners and other technical occupations
  • 41,392Computer and mathematical occupations

Companies with federal contracts located in this zip code:

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:

  • 21 people in group homes intended for adults

People in group quarters in 2000:

  • 31 people in other noninstitutional group quarters
  • 11 people in homes for the mentally retarded
  • 6 people in other group homes
  • 5 people in homes for the physically handicapped

Fatal accident statistics in 2011:

  • Fatal accident count: 1
  • Vehicles involved in fatal accidents: 1
  • Fatal accidents caused by drunken drivers: 1
  • Fatalities: 1
  • Persons involved in fatal accidents: 1
  • Pedestrians involved in fatal accidents: 0

Fatal accident statistics in 2010:

  • Fatal accident count: 1
  • Vehicles involved in fatal accidents: 1
  • Fatal accidents caused by drunken drivers: 0
  • Fatalities: 1
  • Persons involved in fatal accidents: 1
  • Pedestrians involved in fatal accidents: 0
Home Mortgage Disclosure Act Aggregated Statistics For Year 2009
(Based on 2 partial tracts)
A) FHA, FSA/RHS & VA
Home Purchase Loans
B) Conventional
Home Purchase Loans
C) Refinancings
D) Home Improvement Loans
G) Loans On Manufactured
Home Dwelling (A B C & D)
NumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED6$136,2922$170,80030$146,9853$45,5471$90,170
APPLICATIONS APPROVED, NOT ACCEPTED0$01$44,7403$141,9570$01$44,740
APPLICATIONS DENIED1$114,1001$37,1109$155,5201$46,8200$0
APPLICATIONS WITHDRAWN0$00$08$163,6030$00$0
FILES CLOSED FOR INCOMPLETENESS0$00$03$131,0900$00$0

Detailed HMDA statistics for the following Tracts: 0029.01 , 0318.00, 0319.00

Private Mortgage Insurance Companies Aggregated Statistics For Year 2009
(Based on 2 partial tracts)
B) Refinancings
NumberAverage Value
LOANS ORIGINATED1$120,690
APPLICATIONS APPROVED, NOT ACCEPTED0$0
APPLICATIONS DENIED0$0
APPLICATIONS WITHDRAWN0$0
FILES CLOSED FOR INCOMPLETENESS0$0

Detailed PMIC statistics for the following Tracts: 0029.01 , 0318.00, 0319.00

Conventional Home Purchase Loans

Conventional Home Purchase Loans - Value

Most common first names in zip code 49078 among deceased individuals
NameCountLived (average)
John4976.4 years
William4772.7 years
Robert4075.2 years
Charles3673.0 years
Mary3576.8 years
Helen3478.3 years
James2869.2 years
George2877.2 years
Dorothy2779.5 years
Ruth2381.1 years
Most common last names in zip code 49078 among deceased individuals
Last nameCountLived (average)
Smith3174.2 years
Wood1379.9 years
Warner1278.2 years
Anderson1272.8 years
Holmes1176.0 years
Johnson1169.4 years
Snyder1172.4 years
Kling1177.7 years
Brown1175.0 years
Cook1082.2 years
Businesses in zip code 49078
NameCountNameCount
AutoZone1MasterBrand Cabinets2
Curves1True Value1
H&R Block1

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