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 Moderate-density area
- $81,417
- Median income Near-median income area
- $206,000
- Median home value Near-median home value
- 14.6%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 48464 (Otter Lake, MI) rose +8.7% from 2023 to 2024. The all-transactions index moved from 182.1 in 2023 to 197.9 in 2024 (2000 = 100).
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 average Michigan ZIP), while per-capita income is $42,254. Unemployment is 10.3%, an important qualifier alongside the household-income figure. Median home value is $206,000 (6% below the average Michigan ZIP) and median rent is $1,333; 95.1% of occupied homes are owner-occupied.
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. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in Genesee County, so 48464 can be compared with both its immediate and county-level context.
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
Who lives in ZIP 48464?
49.9
Median Age
55.2%
Male
44.8%
Female
1.3%
Foreign-Born
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 ZIP avg
$42,254
Per Capita Income
14.9%
Poverty Rate
10.3%
Unemployment Rate
40.3 min
Mean Commute Time
How ZIP 48464 ranks among Michigan ZIPs
Otter Lake, MI household income vs. every Michigan ZIP code
Median household income among 962 reporting Michigan ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$81,417 Top 29% higher than 71% of 962 Michigan ZIPs
Each bar is a $20K-wide band; taller bars hold more Michigan 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
1,081housing units
1,081
Total Housing Units
855
Occupied Units
226
Vacant Units
2.52
Avg Household Size
Occupancy Type
$206,000
Median Home Value
-6% vs state ZIP avg
$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.
- 48746
Millington (48746)
8,528 residents
- 48421
Columbiaville (48421)
6,647 residents
- 48463
Otisville (48463)
4,627 residents
- 48744
Mayville (48744)
4,615 residents
- 48464 2,231
Otter Lake (48464)
2,231 residents
- 48435 2,083
Fostoria (48435)
2,083 residents
What this shows Among its immediate neighbors, ZIP 48464 ranks #5 by population - useful context the national average alone can't give.
ZIP 48464 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 48435
Fostoria (48435)
$86,905 median income
- 48464
Otter Lake (48464)
$81,417 median income
- 48463
Otisville (48463)
$72,500 median income
- 48421
Columbiaville (48421)
$71,114 median income
- 48744
Mayville (48744)
$67,944 median income
- 48746
Millington (48746)
$67,276 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 48464, both outside MI so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (2,231 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Genesee County
Related Areas
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.
Related
Take this with you
What to do with ZIP 48464's numbers, next.
- See how ZIP 48464 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Otter Lake, MI ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.