PlainZIP

Elsie, MI · standard

ZIP Code 48831

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

3,512
19/sq mi
$63,299
Median income
$161,300
Median home value
13.2%
Bachelor's or higher

The verdict

Elsie pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

35th pct
household income, US ZIPs
30th pct
home value, US ZIPs
19
people per sq mi
87%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 48831 against every reporting US ZIP.

ZIP code 48831 covers 188.8 square miles in Elsie, Clinton County, Michigan (a standard USPS delivery area), with a modest 3,512 residents on file, a density of 19 people per square mile, in the Detroit time zone.

ZIP 48831 reports a modest median household income of $63,299 (14% below the Michigan average), while per-capita income is $36,665. Local economic indicators show a 8.6% poverty rate alongside 9.5% unemployment. Median home value sits at $161,300 (27% below the state average), median rent at $916 a month, and owner-occupancy at 87.3%.

Formal educational attainment runs low here: just 13.2% of adults hold a bachelor's degree or higher, the median age is 49, and the average commute is 29 minutes. To put 48831 in local context, 5 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Clinton County, for a geography-aware comparison.

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 →

Top industries in ZIP 48831

Top 5 sectors by establishment count in Elsie, MI

Which industries have the most business establishments in ZIP 48831.

establishments

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 · ZIP Code Business Patterns (ZBP) As of 2023

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 48831, Elsie, 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

3,512

Population

188.8

Area (sq mi)

19

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 48831?

49.0

Median Age

50.2%

Male

49.8%

Female

1.4%

Foreign-Born

White 95.2%
African American 0.3%
Asian 0.7%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 2.8%
Hispanic or Latino 3.9%

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?

$63,299

Median Household Income

-14% vs state

$36,665

Per Capita Income

8.6%

Poverty Rate

9.5%

Unemployment Rate

29.3 min

Mean Commute Time

How ZIP 48831 ranks nationally

Elsie, MI household income vs. every US ZIP code

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

$63,299 35th percentile higher than 35% 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%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $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 56.3%
Bachelor's Degree or Higher 13.2%

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

What does housing look like?

1,420

Total Housing Units

1,327

Occupied Units

93

Vacant Units

2.32

Avg Household Size

Occupancy Type

Owner 87.3%
Renter 12.7%

$161,300

Median Home Value

-27% vs state

$916

Median Rent

1961

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

+11.2%

YoY Change (2024)

172

HPI Index (2000 = 100)

+72%

Total Change Since 2000

Home values in ZIP 48831 have increased 11.2% over the past year (2024). Since 2000, this ZIP has seen +72% cumulative appreciation.

Year Annual Change HPI Index
2019 +21.0% 127
2020 +3.6% 132
2021 +7.8% 142
2022 +11.2% 158
2024 – 172

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 35 business establishments in ZIP 48831, employing approximately 190 people with a combined annual payroll of $5,994,000.

35

Businesses

190

Employees

$6.0M

Annual Payroll

7

Industry Sectors

Industry Establishments % of Total
Wholesale trade 6 17.1%
Other services (except public administration) 5 14.3%
Manufacturing 4 11.4%
Retail trade 4 11.4%
Accommodation and food services 4 11.4%
Construction 3 8.6%
Administrative and support and waste management and remediation services 3 8.6%

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 48831 vs 48807 →

ZIP 48831 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 48831 ranks #2 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 48831 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 48831 ranks #3 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
48807 Bannister, MI 916 3.8 mi
48866 Ovid, MI 4,851 7.5 mi
48841 Henderson, MI 826 6.8 mi
48806 Ashley, MI 1,676 8.5 mi
48614 Brant, MI 1,376 10.8 mi

More ZIP Codes in Clinton County

48879 standard
Saint Johns, MI
Pop: 18,075
48820 standard
Dewitt, MI
Pop: 16,641
48808 standard
Bath, MI
Pop: 5,178
48866 standard
Ovid, MI
Pop: 4,851
48822 standard
Eagle, MI
Pop: 2,714
48835 standard
Fowler, MI
Pop: 2,680

Related Areas

Clinton County Elsie, MI Michigan

Frequently Asked Questions

What county is ZIP code 48831 in? ▼
ZIP code 48831 (Elsie) is located in Clinton County, Michigan. Clinton County contains multiple ZIP codes, see the full list at /counties/clinton-mi.
What is the population of ZIP code 48831? ▼
ZIP code 48831 in Elsie, MI has a population of 3,512 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 48831? ▼
The median household income in ZIP 48831 is $63,299, which is 17% below the national average of $76,288.
What is the average home value in ZIP 48831? ▼
The median home value in ZIP 48831 is $161,300, which is 42% below the national average of $278,155.
What is the demographic makeup of ZIP 48831? ▼
The largest racial group in ZIP 48831 is White at 95.2%. Hispanic or Latino residents make up 3.9% of the population.
How many businesses are in ZIP code 48831? ▼
ZIP code 48831 has 35 business establishments employing approximately 190 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 48831? ▼
The top industries by establishment count in ZIP 48831 are: Wholesale trade (6), Other services (except public administration) (5), Manufacturing (4). There are 7 industry sectors represented in total.
How have home values changed in ZIP code 48831? ▼
According to the FHFA House Price Index, home values in ZIP 48831 increased by 11.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 72%. 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 48831? ▼
In ZIP code 48831, 56.3% of residents aged 25+ have a high school diploma or higher, and 13.2% 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 48831? ▼
The mean commute time for workers in ZIP code 48831 is 29.3 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 48831? ▼
In ZIP code 48831, approximately 87.3% of occupied housing units are owner-occupied and 12.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 48831? ▼
The poverty rate in ZIP code 48831 is 8.6% 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.