Houghton Lake, MI · standard

ZIP Code 48629

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

Compiled by PlainZIP Editorial Team, ZIP Code Data Editors

7,854
38/sq mi: $56,520
Median income: $156,000
Median home value: 17.6%
Bachelor's or higher

The verdict

Houghton Lake pairs one of the lowest household incomes in the country with below-median home values, in a rural, homeowner-dominated area.

23th pct
household income, US ZIPs: 28th pct
home value, US ZIPs: 38
people per sq mi: 84%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 48629 against every reporting US ZIP.

ZIP code 48629 is classified by USPS as a standard delivery area and covers roughly 208.3 square miles in Houghton Lake, Roscommon County, Michigan. The area is home to 7,854 residents, producing a population density of 38 people per square mile, and falls within the Detroit time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 48629 against Michigan and the nation.

On the economic side, the median household income for ZIP 48629 sits at $56,520 (23% below the Michigan average), while per-capita income is $36,531. The poverty rate stands at 12.6% and the unemployment rate at 3.0%. On housing, the median home value is $156,000 (29% below the state average) with median rent at $828 per month, and 84.4% of occupied units are owner-occupied, a direct signal of whether 48629 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 17.6% of adults hold a bachelor's degree or higher, the median age is 58.8, and the average commute is 26 minutes. We also surface 2 nearby ZIP codes within roughly 10 miles and 5 additional ZIPs sharing Roscommon County, so you can benchmark 48629 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 48629

Retail trade

52
Accommodation and food services

33
Other services (except public administration)

31
Construction

29
Health care and social assistance

17

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 48629, Houghton Lake, MI · 2023 Accessed 2026-06-26 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

7,854

Population

208.3

Area (sq mi)

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 48629?

58.8

Median Age

49.7%

Male

50.3%

Female

1.3%

Foreign-Born

White 95.1%

African American 0.4%

Asian 0.0%

American Indian or Alaska Native 0.0%

Native Hawaiian or Pacific Islander 0.0%

Two or More Ethnicities 4.1%

Hispanic or Latino 1.5%

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?

$56,520

Median Household Income

-23% vs state

$36,531

Per Capita Income

12.6%

Poverty Rate

3.0%

Unemployment Rate

25.6 min

Mean Commute Time

How ZIP 48629 ranks nationally

Household income vs. every US ZIP code

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

$56,520 23rd percentile higher than 23% of 30,318 US ZIPs

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 53.1%

Bachelor's Degree or Higher 17.6%

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

What does housing look like?

7,328

Total Housing Units

3,882

Occupied Units

3,446

Vacant Units

2.03

Avg Household Size

Occupancy Type

Owner 84.4%

Renter 15.6%

$156,000

Median Home Value

-29% vs state

$828

Median Rent

1977

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

+8.4%

YoY Change (2024)

203

HPI Index (2000 = 100)

+103%

Total Change Since 2000

Home values in ZIP 48629 have increased 8.4% over the past year (2024). Since 2000, this ZIP has seen +103% cumulative appreciation.

Year	Annual Change	HPI Index
2020	+4.4%	128
2021	+18.2%	152
2022	+18.1%	179
2023	+4.8%	188
2024	+8.4%	203

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 223 business establishments in ZIP 48629, employing approximately 2,060 people with a combined annual payroll of $85,152,000.

223

Businesses

2,060

Employees

$85.2M

Annual Payroll

Industry Sectors

Industry	Establishments	% of Total
Retail trade	52	23.3%
Accommodation and food services	33	14.8%
Other services (except public administration)	31	13.9%
Construction	29	13.0%
Health care and social assistance	17	7.6%
Finance and insurance	14	6.3%
Transportation and warehousing	8	3.6%
Professional, scientific, and technical services	8	3.6%
Real estate and rental and leasing	6	2.7%
Arts, entertainment, and recreation	6	2.7%
Mining, quarrying, and oil and gas extraction	5	2.2%
Administrative and support and waste management and remediation services	5	2.2%
Manufacturing	3	1.4%
Information	3	1.4%

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 48629 vs 48630 →

48629

7,854
49667

549
48630

69

What this shows Among its immediate neighbors, ZIP 48629 ranks the most populous — useful context the national average alone can't give.

48630

$62,019
48629

$56,520
49667

$45,500

What this shows By household income, ZIP 48629 ranks #2 of 3 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

ZIP Code	City	Population	Distance
48630	Houghton Lake Heights, MI	69	0.9 mi
49667	Merritt, MI	549	7.7 mi

More ZIP Codes in Roscommon County

Houghton Lake Heights, MI

Pop: 69

Roscommon County Houghton Lake, MI Michigan

Frequently Asked Questions

What county is ZIP code 48629 in? ▼

ZIP code 48629 (Houghton Lake) is located in Roscommon County, Michigan. Roscommon County contains multiple ZIP codes, see the full list at /counties/roscommon-mi.

What is the population of ZIP code 48629? ▼

ZIP code 48629 in Houghton Lake, MI has a population of 7,854 according to the Census Bureau ACS 2023 estimates.

What is the median household income in ZIP 48629? ▼

The median household income in ZIP 48629 is $56,520, which is 26% below the national average of $76,288.

What is the average home value in ZIP 48629? ▼

The median home value in ZIP 48629 is $156,000, which is 44% below the national average of $278,155.

What is the demographic makeup of ZIP 48629? ▼

The largest racial group in ZIP 48629 is White at 95.1%. Hispanic or Latino residents make up 1.5% of the population.

How many businesses are in ZIP code 48629? ▼

ZIP code 48629 has 223 business establishments employing approximately 2,060 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.

What are the main industries in ZIP code 48629? ▼

The top industries by establishment count in ZIP 48629 are: Retail trade (52), Accommodation and food services (33), Other services (except public administration) (31). There are 14 industry sectors represented in total.

How have home values changed in ZIP code 48629? ▼

According to the FHFA House Price Index, home values in ZIP 48629 increased by 8.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 103%. 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 48629? ▼

In ZIP code 48629, 53.1% of residents aged 25+ have a high school diploma or higher, and 17.6% 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 48629? ▼

The mean commute time for workers in ZIP code 48629 is 25.6 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.

What percentage of residents own vs. rent in ZIP 48629? ▼

In ZIP code 48629, approximately 84.4% of occupied housing units are owner-occupied and 15.6% are renter-occupied, based on Census ACS 2023 data.

What is the poverty rate in ZIP code 48629? ▼

The poverty rate in ZIP code 48629 is 12.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.