Residential delivery area · Michigan
ZIP Code 48464: Otter Lake, MI
ZIP code 48464 uses the postal name Otter Lake, Michigan and lies mostly in Lapeer County (81% of its land), reaching into Tuscola County and Genesee County (Census 2020 ZIP-county file). About 2,200 people live there (Census Bureau, ACS 2020-2024). Median household income is $81,417 (Census Bureau, ACS 2020-2024). By Census place, 4% of its land lies in Otter Lake; 96% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Otter Lake · its only residential ZIP
- County
- Lapeer County (81%); Tuscola County (12%); Genesee County (7%)
- Census places
- Otter Lake
- Metro area
- Detroit-Warren-Dearborn, MI
- House districts
- MI-9 (93%), MI-8 (7%) 119th Congress, by share of land
- State
- Michigan
- Time zone
- Eastern
- Land area
- 17.0 sq mi · 126 people per sq mi
Where is ZIP code 48464?
48464 centers on 43.211°, -83.419° and covers 17.0 square miles of land plus 0.5 of water. It borders 4 ZIP codes: 48435, 48421, 48463, 48746.
The map draws ZIP code areas only. For the streets inside 48464, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 48464 compare with the rest of Lapeer County?
| Measure | 48464 | In Lapeer County | In MI |
|---|---|---|---|
| People (ACS 2020-2024) | 2,152 | 18th of 21 | 673rd of 992 |
| Median household income | $81k | 8th of 18 | 242nd of 774 |
| Median home value | $206k | 14th of 19 | 388th of 779 |
Its median household income is higher than in 64% of U.S. residential ZIP codes, and it is denser than 57% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 48464?
The 2020 Census counted 2,077 people in 48464; the ACS, which samples households over 2020-2024, estimates 2,152. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 2,152±318 (90% margin)
- 2020 Census count
- 2,077
- Households
- 855
- Median age
- 49.9
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 48464?
Of the 2,152 people the ACS estimates in 48464, 16.3% are under 18 and 26.5% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (94.8%).
- Under 1816.3%
- 18 to 6457.2%
- 65 and older26.5%
- White, not Hispanic94.8%
- Other or two or more3.6%
- Asian, not Hispanic1.5%
- Black, not Hispanic0.0%
- Hispanic or Latino0.0%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 48464 earn?
Median household income is $81,417 (ACS 2020-2024), the 8th highest of the 18 ranked ZIP codes in Lapeer County.
- Median household income
- $81,417±$19,805
- Income per person
- $42,254
- Below the poverty line
- 14.9%
- Unemployed (of the labor force)
- 10.3%
- Adults 25+ with a bachelor's degree
- 14.6%
- Adjusted gross income per tax return, 2022
- $57,7621,020 returns; wages 72% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 48464?
FHFA's house price index for 48464, built from repeat sales and appraisals of the same homes, rose 85% from 2015 to 2025 and rose 35% from 2020 to 2025, and moved −12.6% in 2025.
- Median home value (owners' estimate)
- $206,000
- Median gross rent
- $1,333
- Homes owned by their occupants
- 95.1%
- Housing units
- 1,081
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 48464?
18 business establishments had a location in this ZIP code in 2023, 6 more than in 2018; the most are in health care and social assistance (ZIP Code Business Patterns).
- Health care and social assistance4
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 48464?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 48435 | Fostoria | 2,547 | $87k | 3.8 mi |
| 48421 | Columbiaville | 6,935 | $71k | 4.0 mi |
| 48463 | Otisville | 4,393 | $73k | 5.9 mi |
| 48746 | Millington | 8,222 | $67k | 7.0 mi |
| 48744 | Mayville | 4,460 | $68k | 9.9 mi (near) |
| 48461 | North Branch | 7,719 | $79k | 10.8 mi (near) |
| 48760 | Silverwood | 1,204 | $55k | 11.2 mi (near) |
| 48446 | Lapeer | 30,581 | $66k | 11.6 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.