PlainZIP

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
$62,206
Median income
$152,500
Median home value
12.7%
Bachelor's or higher

The verdict

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

33th 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.

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 Michigan average), while per-capita income is $31,813. 17.3% of residents live below the poverty line, and the unemployment rate reads 4.1%. On housing, the median home value is $152,500 (31% below the state average) with median rent at $849 per month, and 75.3% of occupied units are owner-occupied.

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. To put 49245 in local context, 3 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Calhoun County, for a geography-aware comparison.

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.

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 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

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 49245?

37.8

Median Age

47.7%

Male

52.3%

Female

0.6%

Foreign-Born

White 95.6%
African American 0.7%
Asian 0.4%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 2.8%
Hispanic or Latino 1.2%

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

$31,813

Per Capita Income

17.3%

Poverty Rate

4.1%

Unemployment Rate

26.1 min

Mean Commute Time

How ZIP 49245 ranks nationally

Homer, MI household income vs. every US ZIP code

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

$62,206 33rd percentile higher than 33% 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 57.6%
Bachelor's Degree or Higher 12.7%

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

What does housing look like?

1,883

Total Housing Units

1,636

Occupied Units

247

Vacant Units

2.78

Avg Household Size

Occupancy Type

Owner 75.3%
Renter 24.7%

$152,500

Median Home Value

-31% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 49245 ranks #3 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 49245 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 49245 ranks #2 of 4 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
49252 Litchfield, MI 2,605 7.6 mi
49224 Albion, MI 14,224 10.3 mi
49068 Marshall, MI 14,646 11.4 mi

More ZIP Codes in Calhoun County

49015 standard
Battle Creek, MI
Pop: 26,782
49037 standard
Battle Creek, MI
Pop: 22,576
49014 standard
Battle Creek, MI
Pop: 22,127
49017 standard
Battle Creek, MI
Pop: 20,785
49068 standard
Marshall, MI
Pop: 14,646
49224 standard
Albion, MI
Pop: 14,224

Related Areas

Calhoun County Homer, MI Michigan

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.

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