County ZIP codes · Michigan · FIPS 26137
Otsego County, MI ZIP Codes
Otsego County, Michigan has 9 ZIP codes (Census 2020 ZCTA-county file; GeoNames postal codes, October 2026): 7 residential and 2 for PO boxes or a single organization. 3 of the residential ones lie mainly in Otsego County and 4 mainly in a neighboring county; 6 cross the county line. Median household income ranges from $53,333 in 49756 (Lewiston) to $79,679 in 49730 (Elmira) (Census Bureau, ACS 2020-2024).
- ACS2020-24
- Census2020
Where are the ZIP codes of Otsego County?
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries; ACS 2020-2024 5-year estimates (B19013).
How different are its ZIP codes?
The middle half of its ranked ZIP codes (1,000+ people living in households) report median household incomes between $57,019 and $66,318.
They carry 7 postal town names: Gaylord, Grayling, Lewiston, Elmira, Johannesburg, Frederic, Vanderbilt.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B19013).
All 7 residential ZIP codes in Otsego County
3 ZIP codes lie mainly in Otsego County; 4 more reach into it from a neighboring county and follow the first table.
| In this county | ||||||
|---|---|---|---|---|---|---|
| 49735 | Gaylord | 20,773 | 84 | $71k | $227k | 100% |
| 49751 | Johannesburg | 2,161 | 14 | $62k | $189k | 70% |
| 49795 | Vanderbilt | 1,884 | 14 | $57k | $167k | 85% |
Partly in Otsego County
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates; county shares by land area (Census 2020 ZCTA-county relationship file).
Which ZIP codes cross the county line?
6 ZIP codes of Otsego County extend into another county. A ZIP code follows mail routes, not county borders.
| ZIP | In Otsego | Elsewhere |
|---|---|---|
| 49738 | 2% | Crawford County94%; Kalkaska County4% |
| 49756 | 2% | Oscoda County62%; Montmorency County34%; Crawford County3% |
| 49730 | 22% | Antrim County63%; Charlevoix County15% |
| 49751 | 70% | Montmorency County30% |
| 49733 | 12% | Crawford County88% |
| 49795 | 85% | Charlevoix County8%; Cheboygan County8% |
Source: U.S. Census Bureau, 2020 ZCTA-county relationship file (shares of land area).
PO Box and single-organization ZIP codes
| ZIP | Postal name |
|---|---|
| 49734 | Gaylord |
| 49797 | Waters |
Source: GeoNames postal codes (CC BY 4.0).
Which first three digits do Otsego County's ZIP codes use?
The first three digits of a ZIP code name the sectional center, the mail processing plant that sorts it. Every ZIP code of Otsego County starts with 497.
| Prefix | Sectional center | Here | All codes |
|---|---|---|---|
| 497 | Traverse City, MI (SCF 496) | 9 | 76 |
Source: U.S. Postal Service, labeling list L005 (3-digit ZIP Code prefix groups, SCF sortation), effective October 1, 2026.