PlainZIP

Otter Lake, MI · standard

ZIP Code 48464

Genesee County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

2,231
46/sq mi
$81,417
Median income
$206,000
Median home value
14.6%
Bachelor's or higher

The verdict

Otter Lake pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.

Top 36%
household income, US ZIPs
45th pct
home value, US ZIPs
46
people per sq mi
95%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 48464 against every reporting US ZIP.

ZIP code 48464 covers 48.4 square miles in Otter Lake, Genesee County, Michigan (a standard USPS delivery area), with a modest 2,231 residents on file, a density of 46 people per square mile, in the Detroit time zone.

ZIP 48464 lands in the middle-income range, with a median household income of $81,417 (11% above the Michigan average), while per-capita income is $42,254. The poverty rate stands at 14.9% and the unemployment rate at 10.3%. Median home value sits at $206,000 (6% below the state average), median rent at $1,333 a month, and owner-occupancy at 95.1%.

Formal educational attainment runs low here: just 14.6% of adults hold a bachelor's degree or higher, the median age is 49.9, and the average commute is 40 minutes. A geography-based comparison follows: 5 ZIP codes within about 10 miles of 48464, plus 6 more within Genesee County, give a clearer read than the national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 48464, Otter Lake, MI · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

2,231

Population

48.4

Area (sq mi)

46

People / sq mi

Detroit

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 48464?

49.9

Median Age

55.2%

Male

44.8%

Female

1.3%

Foreign-Born

White 94.8%
African American 0.0%
Asian 1.5%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.6%
Hispanic or Latino 0.0%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$81,417

Median Household Income

+11% vs state

$42,254

Per Capita Income

14.9%

Poverty Rate

10.3%

Unemployment Rate

40.3 min

Mean Commute Time

How ZIP 48464 ranks nationally

Otter Lake, MI household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$81,417 Top 36% higher than 64% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 57.3%
Bachelor's Degree or Higher 14.6%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

1,081

Total Housing Units

855

Occupied Units

226

Vacant Units

2.52

Avg Household Size

Occupancy Type

Owner 95.1%
Renter 4.9%

$206,000

Median Home Value

-6% vs state

$1,333

Median Rent

1969

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+8.7%

YoY Change (2024)

198

HPI Index (2000 = 100)

+98%

Total Change Since 2000

Home values in ZIP 48464 have increased 8.7% over the past year (2024). Since 2000, this ZIP has seen +98% cumulative appreciation.

Year Annual Change HPI Index
2020 +10.1% 131
2021 +9.9% 144
2022 +9.5% 158
2023 +15.6% 182
2024 +8.7% 198

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 18 business establishments in ZIP 48464, employing approximately 52 people with a combined annual payroll of $1,775,000.

18

Businesses

52

Employees

$1.8M

Annual Payroll

1

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 4 22.2%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 48464 vs 48435 →

ZIP 48464 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 48464 ranks #5 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 48464 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 48464 ranks #2 of 6 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
48435 Fostoria, MI 2,083 3.8 mi
48421 Columbiaville, MI 6,647 4.7 mi
48463 Otisville, MI 4,627 6.3 mi
48746 Millington, MI 8,528 6.9 mi
48744 Mayville, MI 4,615 9.4 mi

More ZIP Codes in Genesee County

48439 standard
Grand Blanc, MI
Pop: 49,209
48430 standard
Fenton, MI
Pop: 36,738
48423 standard
Davison, MI
Pop: 32,708
48504 standard
Flint, MI
Pop: 30,926
48507 standard
Flint, MI
Pop: 30,607
48506 standard
Flint, MI
Pop: 30,019

Related Areas

Genesee County Otter Lake, MI Michigan

Frequently Asked Questions

What county is ZIP code 48464 in? ▼
ZIP code 48464 (Otter Lake) is located in Genesee County, Michigan. Genesee County contains multiple ZIP codes, see the full list at /counties/genesee-mi.
What is the population of ZIP code 48464? ▼
ZIP code 48464 in Otter Lake, MI has a population of 2,231 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 48464? ▼
The median household income in ZIP 48464 is $81,417, which is 7% above the national average of $76,288.
What is the average home value in ZIP 48464? ▼
The median home value in ZIP 48464 is $206,000, which is 26% below the national average of $278,155.
What is the demographic makeup of ZIP 48464? ▼
The largest racial group in ZIP 48464 is White at 94.8%.
How many businesses are in ZIP code 48464? ▼
ZIP code 48464 has 18 business establishments employing approximately 52 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
How have home values changed in ZIP code 48464? ▼
According to the FHFA House Price Index, home values in ZIP 48464 increased by 8.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 98%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 48464? ▼
In ZIP code 48464, 57.3% of residents aged 25+ have a high school diploma or higher, and 14.6% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 48464? ▼
The mean commute time for workers in ZIP code 48464 is 40.3 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 48464? ▼
In ZIP code 48464, approximately 95.1% of occupied housing units are owner-occupied and 4.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 48464? ▼
The poverty rate in ZIP code 48464 is 14.9% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.