PlainZIP

Elberta, MI · standard

ZIP Code 49628

Benzie County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

372
192/sq mi
$114,375
Median income
$267,600
Median home value
35.8%
Bachelor's or higher

The verdict

Elberta pairs an upper-quartile household income with above-median home values, in a rural, homeowner-dominated area.

Top 12%
household income, US ZIPs
Top 39%
home value, US ZIPs
192
people per sq mi
96%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49628 against every reporting US ZIP.

ZIP code 49628 is a sparsely populated ZIP (a standard USPS delivery area) in Elberta, Benzie County, Michigan, home to just 372 residents across 1.9 square miles, a density of 192 people per square mile, in the Detroit time zone.

ZIP 49628 skews affluent, with a median household income of $114,375 (56% above the Michigan average), while per-capita income is $64,773. Local economic indicators show a 0.0% poverty rate alongside 5.1% unemployment. On housing, the median home value is $267,600 (22% above the state average) with median rent at - per month, and 95.7% of occupied units are owner-occupied.

A solid share of residents have a four-year degree: 35.8% of adults hold a bachelor's degree or higher, the median age is 53, and the average commute is -. Beyond these figures, 2 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Benzie County, letting you compare 49628 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 →

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 49628, Elberta, 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

372

Population

1.9

Area (sq mi)

192

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 49628?

53.0

Median Age

54.6%

Male

45.4%

Female

0.0%

Foreign-Born

White 87.4%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 10.9%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 1.7%
Hispanic or Latino 0.0%

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?

$114,375

Median Household Income

+56% vs state

$64,773

Per Capita Income

0.0%

Poverty Rate

5.1%

Unemployment Rate

How ZIP 49628 ranks nationally

Elberta, MI household income vs. every US ZIP code

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

$114,375 Top 12% higher than 88% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $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 63.6%
Bachelor's Degree or Higher 35.8%

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

What does housing look like?

183

Total Housing Units

70

Occupied Units

113

Vacant Units

2.49

Avg Household Size

Occupancy Type

Owner 95.7%
Renter 4.3%

$267,600

Median Home Value

+22% vs state

1943

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 14 business establishments in ZIP 49628, employing approximately 35 people with a combined annual payroll of $1,809,000.

14

Businesses

35

Employees

$1.8M

Annual Payroll

2

Industry Sectors

Industry Establishments % of Total
Arts, entertainment, and recreation 3 21.4%
Accommodation and food services 3 21.4%

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 49628 vs 49635 →

ZIP 49628 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 49628 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 49628 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 49628 ranks the highest of 3 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
49635 Frankfort, MI 3,350 2.3 mi
49613 Arcadia, MI 680 8.3 mi

More ZIP Codes in Benzie County

49617 standard
Beulah, MI
Pop: 3,363
49635 standard
Frankfort, MI
Pop: 3,350
49650 standard
Lake Ann, MI
Pop: 3,144
49616 standard
Benzonia, MI
Pop: 1,974
49683 standard
Thompsonville, MI
Pop: 1,939
49640 standard
Honor, MI
Pop: 1,618

Related Areas

Benzie County Elberta, MI Michigan

Frequently Asked Questions

What county is ZIP code 49628 in? ▼
ZIP code 49628 (Elberta) is located in Benzie County, Michigan. Benzie County contains multiple ZIP codes, see the full list at /counties/benzie-mi.
What is the population of ZIP code 49628? ▼
ZIP code 49628 in Elberta, MI has a population of 372 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49628? ▼
The median household income in ZIP 49628 is $114,375, which is 50% above the national average of $76,288.
What is the average home value in ZIP 49628? ▼
The median home value in ZIP 49628 is $267,600, which is 4% below the national average of $278,155.
What is the demographic makeup of ZIP 49628? ▼
The largest racial group in ZIP 49628 is White at 87.4%.
How many businesses are in ZIP code 49628? ▼
ZIP code 49628 has 14 business establishments employing approximately 35 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 49628? ▼
In ZIP code 49628, 63.6% of residents aged 25+ have a high school diploma or higher, and 35.8% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 49628? ▼
In ZIP code 49628, approximately 95.7% of occupied housing units are owner-occupied and 4.3% are renter-occupied, based on Census ACS 2023 data.

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