PlainZIP

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
$56,324
Median income
$210,500
Median home value
7.7%
Bachelor's or higher

The verdict

Camden pairs one of the lowest household incomes in the country with below-median home values, in a rural, homeowner-dominated area.

23th 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.

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 Michigan average), while per-capita income is $24,602. Local economic indicators show a 28.5% poverty rate alongside 4.2% unemployment. The typical home here is valued at $210,500 (4% below the state average); renters pay a median of $835 monthly, and 84.1% of units 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. Beyond these figures, 5 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Hillsdale County, letting you compare 49232 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 49232

Top 5 sectors by establishment count in Camden, MI

Which industries have the most business establishments in ZIP 49232.

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 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

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 49232?

38.3

Median Age

51.9%

Male

48.1%

Female

0.3%

Foreign-Born

White 93.4%
African American 0.3%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.2%
Hispanic or Latino 2.4%

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

$24,602

Per Capita Income

28.5%

Poverty Rate

4.2%

Unemployment Rate

31.4 min

Mean Commute Time

How ZIP 49232 ranks nationally

Camden, MI household income vs. every US ZIP code

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

$56,324 23rd percentile higher than 23% 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%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $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 51.7%
Bachelor's Degree or Higher 7.7%

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

What does housing look like?

1,236

Total Housing Units

936

Occupied Units

300

Vacant Units

2.97

Avg Household Size

Occupancy Type

Owner 84.1%
Renter 15.9%

$210,500

Median Home Value

-4% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 49232 ranks #5 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 49232 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 49232 ranks #4 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
43543 Montpelier, OH 7,771 9.5 mi
43554 Pioneer, OH 2,408 7.9 mi
49274 Reading, MI 3,670 8.3 mi
49242 Hillsdale, MI 15,248 10.2 mi
49266 Osseo, MI 2,942 9.4 mi

More ZIP Codes in Hillsdale County

49242 standard
Hillsdale, MI
Pop: 15,248
49250 standard
Jonesville, MI
Pop: 6,182
49274 standard
Reading, MI
Pop: 3,670
49249 standard
Jerome, MI
Pop: 3,408
49266 standard
Osseo, MI
Pop: 2,942
49233 standard
Cement City, MI
Pop: 2,646

Related Areas

Hillsdale County Camden, MI Michigan

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.

Read our methodology to see how this data is sourced, computed, and verified.