Homer, MI · standard
ZIP Code 49245
Calhoun County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 4,845
- 19/sq mi Moderate-density area
- $62,206
- Median income Near-median income area
- $152,500
- Median home value Below-median home value
- 12.7%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Homer pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.
- 33rd pct
- household income, US ZIPs
- 26th pct
- home value, US ZIPs
- 19
- people per sq mi
- 75%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49245 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 49245 (Homer, MI) rose +17.4% from 2023 to 2024. The all-transactions index moved from 193.9 in 2023 to 227.6 in 2024 (2000 = 100).
ZIP code 49245 covers 249.7 square miles in Homer, Calhoun County, Michigan (a standard USPS delivery area), with a modest 4,845 residents on file, a density of 19 people per square mile, in the Detroit time zone.
ZIP 49245 reports a modest median household income of $62,206 (15% below the average Michigan ZIP), while per-capita income is $31,813. The poverty rate is 17.3%, with unemployment at 4.1%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $152,500 (31% below the average Michigan ZIP), and median rent is $849; owner occupancy is 75.3%.
Formal educational attainment runs low here: just 12.7% of adults hold a bachelor's degree or higher, the median age is 37.8, and the average commute is 26 minutes. The page also surfaces 3 ZIP codes within roughly 10 miles and 6 more in Calhoun County, so 49245 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 49245
Top 5 sectors by establishment count in Homer, MI
Which industries have the most business establishments in ZIP 49245.
- Manufacturing
Manufacturing
11 establishments
- Retail trade
Retail trade
8 establishments
- Construction
Construction
5 establishments
- Wholesale trade 4
Wholesale trade
4 establishments
- Other services (except public administration) 4
Other services (except public administration)
4 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 49245, Homer, 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
4,845
Population
249.7
Area (sq mi)
19
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 49245?
37.8
Median Age
47.7%
Male
52.3%
Female
0.6%
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?
$62,206
Median Household Income
-15% vs state ZIP avg
$31,813
Per Capita Income
17.3%
Poverty Rate
4.1%
Unemployment Rate
26.1 min
Mean Commute Time
How ZIP 49245 ranks among Michigan ZIPs
Homer, 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)
$62,206 35th percentile higher than 35% 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
1,883housing units
1,883
Total Housing Units
1,636
Occupied Units
247
Vacant Units
2.78
Avg Household Size
Occupancy Type
$152,500
Median Home Value
-31% vs state ZIP avg
$849
Median Rent
1963
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
+17.4%
YoY Change (2024)
228
HPI Index (2000 = 100)
+128%
Total Change Since 2000
Home values in ZIP 49245 have increased 17.4% over the past year (2024). Since 2000, this ZIP has seen +128% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.1% | 147 |
| 2021 | +14.3% | 168 |
| 2022 | -2.3% | 165 |
| 2023 | +17.8% | 194 |
| 2024 | +17.4% | 228 |
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 56 business establishments in ZIP 49245, employing approximately 1,200 people with a combined annual payroll of $64,081,000.
56
Businesses
1,200
Employees
$64.1M
Annual Payroll
11
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Manufacturing | 11 | 19.6% |
| Retail trade | 8 | 14.3% |
| Construction | 5 | 8.9% |
| Wholesale trade | 4 | 7.1% |
| Other services (except public administration) | 4 | 7.1% |
| Transportation and warehousing | 3 | 5.4% |
| Finance and insurance | 3 | 5.4% |
| Real estate and rental and leasing | 3 | 5.4% |
| Professional, scientific, and technical services | 3 | 5.4% |
| Administrative and support and waste management and remediation services | 3 | 5.4% |
| Health care and social assistance | 3 | 5.4% |
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 49245 vs 49252 →
ZIP 49245 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49068
Marshall (49068)
14,646 residents
- 49224
Albion (49224)
14,224 residents
- 49245 4,845
Homer (49245)
4,845 residents
- 49252 2,605
Litchfield (49252)
2,605 residents
What this shows Among its immediate neighbors, ZIP 49245 ranks #3 by population - useful context the national average alone can't give.
ZIP 49245 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49068
Marshall (49068)
$80,857 median income
- 49245
Homer (49245)
$62,206 median income
- 49252
Litchfield (49252)
$55,762 median income
- 49224
Albion (49224)
$53,144 median income
What this shows By household income, ZIP 49245 ranks #2 of 4 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 49245, 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 (4,845 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Calhoun County
Related Areas
Frequently Asked Questions
What county is ZIP code 49245 in?
ZIP code 49245 (Homer) is located in Calhoun County, Michigan. Calhoun County contains multiple ZIP codes, see the full list at /counties/calhoun-mi.
What is the population of ZIP code 49245?
ZIP code 49245 in Homer, MI has a population of 4,845 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49245?
The median household income in ZIP 49245 is $62,206, which is 18% below the national average of $76,288.
What is the average home value in ZIP 49245?
The median home value in ZIP 49245 is $152,500, which is 45% below the national average of $278,155.
What is the demographic makeup of ZIP 49245?
The largest racial group in ZIP 49245 is White at 95.6%. Hispanic or Latino residents make up 1.2% of the population.
How many businesses are in ZIP code 49245?
ZIP code 49245 has 56 business establishments employing approximately 1,200 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 49245?
The top industries by establishment count in ZIP 49245 are: Manufacturing (11), Retail trade (8), Construction (5). There are 11 industry sectors represented in total.
How have home values changed in ZIP code 49245?
According to the FHFA House Price Index, home values in ZIP 49245 increased by 17.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 128%. 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 49245?
In ZIP code 49245, 57.6% of residents aged 25+ have a high school diploma or higher, and 12.7% 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 49245?
The mean commute time for workers in ZIP code 49245 is 26.1 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 49245?
In ZIP code 49245, approximately 75.3% of occupied housing units are owner-occupied and 24.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 49245?
The poverty rate in ZIP code 49245 is 17.3% 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 49245's numbers, next.
- See how ZIP 49245 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Homer, 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.