Residential delivery area · Michigan
ZIP Code 49078: Otsego, MI
ZIP code 49078 uses the postal name Otsego, Michigan and lies mostly in Allegan County (85% of its land), reaching into Kalamazoo County and Van Buren County (Census 2020 ZIP-county file). About 10,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $77,778 (Census Bureau, ACS 2020-2024). By Census place, 4% of its land lies in Otsego; 96% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Otsego · its only residential ZIP
- County
- Allegan County (85%); Kalamazoo County (12%); Van Buren County (3%)
- Census places
- Otsego
- Micro area
- Holland, MI
- House district
- MI-4 119th Congress
- State
- Michigan
- Time zone
- Eastern
- Land area
- 49.5 sq mi · 202 people per sq mi
Where is ZIP code 49078?
49078 centers on 42.473°, -85.733° and covers 49.5 square miles of land plus 0.7 of water. It borders 6 ZIP codes: 49070, 49080, 49010, 49055, 49328, 49009.
The map draws ZIP code areas only. For the streets inside 49078, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 49078 compare with the rest of Allegan County?
| Measure | 49078 | In Allegan County | In MI |
|---|---|---|---|
| People (ACS 2020-2024) | 10,018 | 12th of 24 | 328th of 992 |
| Median household income | $78k | 12th of 20 | 288th of 774 |
| Median home value | $198k | 18th of 22 | 408th of 779 |
Its median household income is higher than in 59% of U.S. residential ZIP codes, and it is denser than 63% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 49078?
The 2020 Census counted 9,483 people in 49078; the ACS, which samples households over 2020-2024, estimates 10,018. Between the 2010 and 2020 censuses its population grew 6.5% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 10,018
- 2020 Census count
- 9,483+6.5% since 2010 (8,902)
- Households
- 3,848
- Median age
- 42.1
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 49078?
Of the 10,018 people the ACS estimates in 49078, 21.1% are under 18 and 17.1% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (85.5%).
- Under 1821.1%
- 18 to 6461.9%
- 65 and older17.1%
- White, not Hispanic85.5%
- Other or two or more9.5%
- Hispanic or Latino4.5%
- Asian, not Hispanic0.3%
- Black, not Hispanic0.2%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 49078 earn?
Median household income is $77,778 (ACS 2020-2024), the 12th highest of the 20 ranked ZIP codes in Allegan County. It rose from $65,304 in 2015-2019 (in 2024 dollars), a change larger than the surveys' margins of error.
- Median household income
- $77,778±$7,967
- Income per person
- $36,344
- Below the poverty line
- 5.3%
- Unemployed (of the labor force)
- 2.0%
- Adults 25+ with a bachelor's degree
- 21.7%
- Adjusted gross income per tax return, 2022
- $64,1764,680 returns; wages 71% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 49078?
FHFA's house price index for 49078, built from repeat sales and appraisals of the same homes, rose 113% from 2015 to 2025 and rose 60% from 2020 to 2025, and moved +8.1% in 2025.
- Median home value (owners' estimate)
- $197,500
- Median gross rent
- $1,128
- Homes owned by their occupants
- 82.1%
- Housing units
- 4,141
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 49078?
128 business establishments had a location in this ZIP code in 2023, 12 fewer than in 2018; the most are in other services (except public administration) (ZIP Code Business Patterns).
- Other services (except public administration)25
- Construction17
- Manufacturing15
- Retail trade14
- Professional, scientific, and technical services13
- Health care and social assistance11
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 49078?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 49070 | Martin | 2,359 | $69k | 7.0 mi |
| 49080 | Plainwell | 16,002 | $75k | 7.4 mi |
| 49010 | Allegan | 18,175 | $74k | 8.2 mi |
| 49055 | Gobles | 5,941 | $62k | 9.6 mi |
| 49328 | Hopkins | 4,069 | $94k | 11.2 mi |
| 49009 | Kalamazoo | 47,971 | $81k | 11.8 mi |
| 49344 | Shelbyville | 3,778 | $85k | 10.9 mi (near) |
| 49004 | Kalamazoo | 17,815 | $74k | 12.3 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.