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 High-density area
- $114,375
- Median income Above-median income area
- $267,600
- Median home value Near-median home value
- 35.8%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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 average Michigan ZIP), while per-capita income is $64,773. The poverty rate is 0.0%, with unemployment at 5.1%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $267,600 (22% above the average Michigan ZIP), while 95.7% of occupied homes 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 -. The page also surfaces 2 ZIP codes within roughly 10 miles and 6 more in Benzie County, so 49628 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 →
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
Who lives in ZIP 49628?
53.0
Median Age
54.6%
Male
45.4%
Female
0.0%
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?
$114,375
Median Household Income
+56% vs state ZIP avg
$64,773
Per Capita Income
0.0%
Poverty Rate
5.1%
Unemployment Rate
How ZIP 49628 ranks among Michigan ZIPs
Elberta, 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)
$114,375 Top 6% higher than 94% 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
183housing units
183
Total Housing Units
70
Occupied Units
113
Vacant Units
2.49
Avg Household Size
Occupancy Type
$267,600
Median Home Value
+22% vs state ZIP avg
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.
- 49635
Frankfort (49635)
3,350 residents
- 49613 680
Arcadia (49613)
680 residents
- 49628 372
Elberta (49628)
372 residents
What this shows Among its immediate neighbors, ZIP 49628 ranks #3 by population - useful context the national average alone can't give.
ZIP 49628 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49628
Elberta (49628)
$114,375 median income
- 49613
Arcadia (49613)
$77,955 median income
- 49635
Frankfort (49635)
$72,422 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 49628, both outside MI so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Benzie County
Related Areas
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.
Related
Take this with you
What to do with ZIP 49628's numbers, next.
- See how ZIP 49628 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Elberta, 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.