ZIP Code 49078
standardSource:
Otsego · Allegan County · Michigan
- Population
- 8,902
- Median income
- $77,778
- Median home value
- $197,500
- Bachelor's or higher
- 21.7%
- Land area
- 124.3 sq mi
72/sq mi
▲ 2% vs US
higher than 59% of US ZIPs
▼ 29% vs US
higher than 43% of US ZIPs
Median age 42.1
Detroit
ZIP code 49078 in Otsego, Michigan has a population of 8,902. The median household income is $77,778, which is 2% above the national average. Median home value is $197,500, 29% below the US average. 21.7% of residents hold a bachelor's degree or higher.
ZIP code 49078 is classified by USPS as a standard delivery area and covers roughly 124.3 square miles in Otsego, Allegan County, Michigan. The area is home to 8,902 residents, producing a population density of 72 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 49078 against Michigan and the nation.
On the economic side, the median household income for ZIP 49078 sits at $77,778 (6% above the Michigan average), while per-capita income is $36,344. The poverty rate stands at 5.3% and the unemployment rate at 2.0%. On housing, the median home value is $197,500 (10% below the state average) with median rent at $1,128 per month, and 82.1% of occupied units are owner-occupied, a direct signal of whether 49078 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 21.7% of adults hold a bachelor's degree or higher, the median age is 42.1, and the average commute is 21 minutes. We also surface 4 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Allegan County, so you can benchmark 49078 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 49078
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 49078.
- Other services (except public administration)
Other services (except public administration)
25 establishments
- Construction
Construction
17 establishments
- Manufacturing
Manufacturing
15 establishments
- Retail trade
Retail trade
14 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
13 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, 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 49078, Otsego, MI · 2023 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
8,902
Population
124.3
Area (sq mi)
72
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 49078?
42.1
Median Age
47.1%
Male
52.9%
Female
4.0%
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?
$77,778
Median Household Income
+6% vs state
$36,344
Per Capita Income
5.3%
Poverty Rate
2.0%
Unemployment Rate
20.7 min
Mean Commute Time
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?
4,141
Total Housing Units
3,848
Occupied Units
293
Vacant Units
2.60
Avg Household Size
Occupancy Type
$197,500
Median Home Value
-10% vs state
$1,128
Median Rent
1970
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
+6.9%
YoY Change (2024)
214
HPI Index (2000 = 100)
+114%
Total Change Since 2000
Home values in ZIP 49078 have increased 6.9% over the past year (2024). Since 2000, this ZIP has seen +114% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.5% | 143 |
| 2021 | +17.6% | 168 |
| 2022 | +10.9% | 187 |
| 2023 | +7.1% | 200 |
| 2024 | +6.9% | 214 |
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 128 business establishments in ZIP 49078, employing approximately 1,936 people with a combined annual payroll of $102,289,000.
128
Businesses
1,936
Employees
$102.3M
Annual Payroll
11
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Other services (except public administration) | 25 | 19.5% |
| Construction | 17 | 13.3% |
| Manufacturing | 15 | 11.7% |
| Retail trade | 14 | 10.9% |
| Professional, scientific, and technical services | 13 | 10.2% |
| Health care and social assistance | 11 | 8.6% |
| Wholesale trade | 7 | 5.5% |
| Finance and insurance | 7 | 5.5% |
| Accommodation and food services | 6 | 4.7% |
| Administrative and support and waste management and remediation services | 5 | 3.9% |
| Information | 3 | 2.3% |
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 49078 vs 49070 →
More ZIP Codes in Allegan County
Related Areas
Frequently Asked Questions
What county is ZIP code 49078 in? ▼
What is the population of ZIP code 49078? ▼
What is the median household income in ZIP 49078? ▼
What is the average home value in ZIP 49078? ▼
What is the demographic makeup of ZIP 49078? ▼
How many businesses are in ZIP code 49078? ▼
What are the main industries in ZIP code 49078? ▼
How have home values changed in ZIP code 49078? ▼
What is the education level in ZIP code 49078? ▼
What is the average commute time in ZIP 49078? ▼
What percentage of residents own vs. rent in ZIP 49078? ▼
What is the poverty rate in ZIP code 49078? ▼
ZIP Code Research Guides
Official Data Resources for Otsego, MI
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.