Camden, MI · standard
ZIP Code 49232
Hillsdale County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 2,801
- 17/sq mi Moderate-density area
- $56,324
- Median income Below-median income area
- $210,500
- Median home value Near-median home value
- 7.7%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Camden pairs one of the lowest household incomes in the country with below-median home values, in a rural, homeowner-dominated area.
- 23rd pct
- household income, US ZIPs
- 46th pct
- home value, US ZIPs
- 17
- people per sq mi
- 84%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49232 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 49232 (Camden, MI) rose +21.8% from 2023 to 2024. The all-transactions index moved from 173.3 in 2023 to 211.2 in 2024 (2000 = 100).
ZIP code 49232 covers 162.8 square miles in Camden, Hillsdale County, Michigan (a standard USPS delivery area), with a modest 2,801 residents on file, a density of 17 people per square mile, in the Detroit time zone.
ZIP 49232 reports a modest median household income of $56,324 (23% below the average Michigan ZIP), while per-capita income is $24,602. The poverty rate is 28.5%, so the area-level income figures should not be treated as typical household experience. Median home value is $210,500 (4% below the average Michigan ZIP) and median rent is $835; 84.1% of occupied homes are owner-occupied.
Formal educational attainment runs low here: just 7.7% of adults hold a bachelor's degree or higher, the median age is 38.3, and the average commute is 31 minutes. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in Hillsdale County, so 49232 can be compared with both its immediate and county-level context.
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 49232
Top 5 sectors by establishment count in Camden, MI
Which industries have the most business establishments in ZIP 49232.
- Other services (except public administration)
Other services (except public administration)
6 establishments
- Construction
Construction
4 establishments
- Retail trade
Retail trade
4 establishments
- Wholesale trade
Wholesale trade
3 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
3 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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 49232, Camden, 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
2,801
Population
162.8
Area (sq mi)
17
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 49232?
38.3
Median Age
51.9%
Male
48.1%
Female
0.3%
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?
$56,324
Median Household Income
-23% vs state ZIP avg
$24,602
Per Capita Income
28.5%
Poverty Rate
4.2%
Unemployment Rate
31.4 min
Mean Commute Time
How ZIP 49232 ranks among Michigan ZIPs
Camden, MI household income vs. every Michigan ZIP code
Median household income among 962 reporting Michigan ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$56,324 22nd percentile higher than 22% of 962 Michigan ZIPs
Each bar is a $20K-wide band; taller bars hold more Michigan 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
1,236housing units
1,236
Total Housing Units
936
Occupied Units
300
Vacant Units
2.97
Avg Household Size
Occupancy Type
$210,500
Median Home Value
-4% vs state ZIP avg
$835
Median Rent
1974
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
+21.8%
YoY Change (2024)
211
HPI Index (2000 = 100)
+111%
Total Change Since 2000
Home values in ZIP 49232 have increased 21.8% over the past year (2024). Since 2000, this ZIP has seen +111% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +0.4% | 139 |
| 2021 | +15.2% | 160 |
| 2022 | +8.5% | 174 |
| 2023 | -0.1% | 173 |
| 2024 | +21.8% | 211 |
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 32 business establishments in ZIP 49232, employing approximately 175 people with a combined annual payroll of $8,207,000.
32
Businesses
175
Employees
$8.2M
Annual Payroll
6
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Other services (except public administration) | 6 | 18.8% |
| Construction | 4 | 12.5% |
| Retail trade | 4 | 12.5% |
| Wholesale trade | 3 | 9.4% |
| Real estate and rental and leasing | 3 | 9.4% |
| Professional, scientific, and technical services | 3 | 9.4% |
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 49232 vs 43543 →
ZIP 49232 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49242
Hillsdale (49242)
15,248 residents
- 43543
Montpelier (43543)
7,771 residents
- 49274 3,670
Reading (49274)
3,670 residents
- 49266 2,942
Osseo (49266)
2,942 residents
- 49232 2,801
Camden (49232)
2,801 residents
- 43554 2,408
Pioneer (43554)
2,408 residents
What this shows Among its immediate neighbors, ZIP 49232 ranks #5 by population - useful context the national average alone can't give.
ZIP 49232 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49266
Osseo (49266)
$66,173 median income
- 49242
Hillsdale (49242)
$61,029 median income
- 49274
Reading (49274)
$58,087 median income
- 49232
Camden (49232)
$56,324 median income
- 43543
Montpelier (43543)
$56,236 median income
- 43554
Pioneer (43554)
$52,917 median income
What this shows By household income, ZIP 49232 ranks #4 of 6 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 49232, both outside MI so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (2,801 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Hillsdale County
Related Areas
Frequently Asked Questions
What county is ZIP code 49232 in?
ZIP code 49232 (Camden) is located in Hillsdale County, Michigan. Hillsdale County contains multiple ZIP codes, see the full list at /counties/hillsdale-mi.
What is the population of ZIP code 49232?
ZIP code 49232 in Camden, MI has a population of 2,801 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49232?
The median household income in ZIP 49232 is $56,324, which is 26% below the national average of $76,288.
What is the average home value in ZIP 49232?
The median home value in ZIP 49232 is $210,500, which is 24% below the national average of $278,155.
What is the demographic makeup of ZIP 49232?
The largest racial group in ZIP 49232 is White at 93.4%. Hispanic or Latino residents make up 2.4% of the population.
How many businesses are in ZIP code 49232?
ZIP code 49232 has 32 business establishments employing approximately 175 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 49232?
The top industries by establishment count in ZIP 49232 are: Other services (except public administration) (6), Construction (4), Retail trade (4). There are 6 industry sectors represented in total.
How have home values changed in ZIP code 49232?
According to the FHFA House Price Index, home values in ZIP 49232 increased by 21.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 111%. 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 49232?
In ZIP code 49232, 51.7% of residents aged 25+ have a high school diploma or higher, and 7.7% 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 49232?
The mean commute time for workers in ZIP code 49232 is 31.4 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 49232?
In ZIP code 49232, approximately 84.1% of occupied housing units are owner-occupied and 15.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 49232?
The poverty rate in ZIP code 49232 is 28.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 49232's numbers, next.
- See how ZIP 49232 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Camden, MI ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.