PlainZIP

Otsego, MI · standard

ZIP Code 49078

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

8,902
72/sq mi
$77,778
Median income
$197,500
Median home value
21.7%
Bachelor's or higher

The verdict

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

Top 41%
household income, US ZIPs
43th pct
home value, US ZIPs
72
people per sq mi
82%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49078 against every reporting US ZIP.

ZIP code 49078 is a mid-sized community (a standard USPS delivery area) in Otsego, Allegan County, Michigan, home to 8,902 residents across 124.3 square miles, a density of 72 people per square mile, in the Detroit time zone.

ZIP 49078 lands in the middle-income range, with a median household income of $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.

Educational attainment sits below the national norm: 21.7% of adults hold a bachelor's degree or higher, the median age is 42.1, and the average commute is 21 minutes. Beyond these figures, 4 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Allegan County, letting you compare 49078 to its immediate surroundings rather than a national baseline 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 →

Top industries in ZIP 49078

Top 5 sectors by establishment count in Otsego, MI

Which industries have the most business establishments in ZIP 49078.

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 49078, Otsego, 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

8,902

Population

124.3

Area (sq mi)

72

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 49078?

42.1

Median Age

47.1%

Male

52.9%

Female

4.0%

Foreign-Born

White 88.6%
African American 0.2%
Asian 0.3%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.2%
Hispanic or Latino 4.5%

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?

$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

How ZIP 49078 ranks nationally

Otsego, MI household income vs. every US ZIP code

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

$77,778 Top 41% higher than 59% 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 58.9%
Bachelor's Degree or Higher 21.7%

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

Owner 82.1%
Renter 17.9%

$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 →

ZIP 49078 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 49078 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 49078 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 49078 ranks #2 of 5 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
49070 Martin, MI 2,451 7.2 mi
49010 Allegan, MI 17,374 8.9 mi
49055 Gobles, MI 6,276 9.2 mi
49344 Shelbyville, MI 3,410 11.2 mi

More ZIP Codes in Allegan County

49316 standard
Caledonia, MI
Pop: 20,074
49010 standard
Allegan, MI
Pop: 17,374
49080 standard
Plainwell, MI
Pop: 15,802
49348 standard
Wayland, MI
Pop: 12,153
49323 standard
Dorr, MI
Pop: 9,410
49408 standard
Fennville, MI
Pop: 9,091

Related Areas

Allegan County Otsego, MI Michigan

Frequently Asked Questions

What county is ZIP code 49078 in? ▼
ZIP code 49078 (Otsego) is located in Allegan County, Michigan. Allegan County contains multiple ZIP codes, see the full list at /counties/allegan-mi.
What is the population of ZIP code 49078? ▼
ZIP code 49078 in Otsego, MI has a population of 8,902 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49078? ▼
The median household income in ZIP 49078 is $77,778, which is 2% above the national average of $76,288.
What is the average home value in ZIP 49078? ▼
The median home value in ZIP 49078 is $197,500, which is 29% below the national average of $278,155.
What is the demographic makeup of ZIP 49078? ▼
The largest racial group in ZIP 49078 is White at 88.6%. Hispanic or Latino residents make up 4.5% of the population.
How many businesses are in ZIP code 49078? ▼
ZIP code 49078 has 128 business establishments employing approximately 1,936 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 49078? ▼
The top industries by establishment count in ZIP 49078 are: Other services (except public administration) (25), Construction (17), Manufacturing (15). There are 11 industry sectors represented in total.
How have home values changed in ZIP code 49078? ▼
According to the FHFA House Price Index, home values in ZIP 49078 increased by 6.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 114%. 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 49078? ▼
In ZIP code 49078, 58.9% of residents aged 25+ have a high school diploma or higher, and 21.7% 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 49078? ▼
The mean commute time for workers in ZIP code 49078 is 20.7 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 49078? ▼
In ZIP code 49078, approximately 82.1% of occupied housing units are owner-occupied and 17.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 49078? ▼
The poverty rate in ZIP code 49078 is 5.3% 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.