Kaleva, MI · standard
ZIP Code 49645
Manistee County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 1,632
- 16/sq mi Moderate-density area
- $56,300
- Median income Below-median income area
- $145,200
- Median home value Below-median home value
- 15.9%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Kaleva pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a rural, homeowner-dominated area.
- 23rd pct
- household income, US ZIPs
- 24th pct
- home value, US ZIPs
- 16
- people per sq mi
- 82%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49645 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 49645 (Kaleva, MI) rose +3.1% from 2023 to 2024. The all-transactions index moved from 229.0 in 2023 to 236.2 in 2024 (2000 = 100).
ZIP code 49645 covers 103.9 square miles in Kaleva, Manistee County, Michigan (a standard USPS delivery area), with a modest 1,632 residents on file, a density of 16 people per square mile, in the Detroit time zone.
ZIP 49645 reports a modest median household income of $56,300 (23% below the average Michigan ZIP), while per-capita income is $27,860. Economic pressure is pronounced: 20.2% of residents are below the poverty line and unemployment is 12.9%. Home values sit below the statewide ZIP benchmark: the median is $145,200 (34% below the average Michigan ZIP), and median rent is $992; owner occupancy is 82.2%.
Educational attainment sits below the national norm: 15.9% of adults hold a bachelor's degree or higher, the median age is 46.9, and the average commute is 29 minutes. The page also surfaces 3 ZIP codes within roughly 10 miles and 6 more in Manistee County, so 49645 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 49645
Top 5 sectors by establishment count in Kaleva, MI
Which industries have the most business establishments in ZIP 49645.
- Retail trade
Retail trade
7 establishments
- Construction
Construction
4 establishments
- Other services (except public administration)
Other services (except public administration)
4 establishments
- Accommodation and food services
Accommodation and food services
3 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 49645, Kaleva, 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
1,632
Population
103.9
Area (sq mi)
16
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 49645?
46.9
Median Age
49.3%
Male
50.7%
Female
1.5%
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?
$56,300
Median Household Income
-23% vs state ZIP avg
$27,860
Per Capita Income
20.2%
Poverty Rate
12.9%
Unemployment Rate
28.8 min
Mean Commute Time
How ZIP 49645 ranks among Michigan ZIPs
Kaleva, 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)
$56,300 22nd percentile higher than 22% 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
1,165housing units
1,165
Total Housing Units
796
Occupied Units
369
Vacant Units
2.39
Avg Household Size
Occupancy Type
$145,200
Median Home Value
-34% vs state ZIP avg
$992
Median Rent
1975
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
+3.1%
YoY Change (2024)
236
HPI Index (2000 = 100)
+136%
Total Change Since 2000
Home values in ZIP 49645 have increased 3.1% over the past year (2024). Since 2000, this ZIP has seen +136% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +1.8% | 148 |
| 2021 | +23.1% | 182 |
| 2022 | +8.4% | 197 |
| 2023 | +16.3% | 229 |
| 2024 | +3.1% | 236 |
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 28 business establishments in ZIP 49645, employing approximately 153 people with a combined annual payroll of $6,417,000.
28
Businesses
153
Employees
$6.4M
Annual Payroll
4
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 7 | 25.0% |
| Construction | 4 | 14.3% |
| Other services (except public administration) | 4 | 14.3% |
| Accommodation and food services | 3 | 10.7% |
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 49645 vs 49619 →
ZIP 49645 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49614
Bear Lake (49614)
2,790 residents
- 49645
Kaleva (49645)
1,632 residents
- 49625
Copemish (49625)
1,379 residents
- 49619 1,110
Brethren (49619)
1,110 residents
What this shows Among its immediate neighbors, ZIP 49645 ranks #2 by population - useful context the national average alone can't give.
ZIP 49645 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49614
Bear Lake (49614)
$72,250 median income
- 49619
Brethren (49619)
$62,574 median income
- 49645
Kaleva (49645)
$56,300 median income
- 49625
Copemish (49625)
$52,583 median income
What this shows By household income, ZIP 49645 ranks #3 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 49645, 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 (1,632 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Manistee County
Related Areas
Frequently Asked Questions
What county is ZIP code 49645 in?
ZIP code 49645 (Kaleva) is located in Manistee County, Michigan. Manistee County contains multiple ZIP codes, see the full list at /counties/manistee-mi.
What is the population of ZIP code 49645?
ZIP code 49645 in Kaleva, MI has a population of 1,632 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49645?
The median household income in ZIP 49645 is $56,300, which is 26% below the national average of $76,288.
What is the average home value in ZIP 49645?
The median home value in ZIP 49645 is $145,200, which is 48% below the national average of $278,155.
What is the demographic makeup of ZIP 49645?
The largest racial group in ZIP 49645 is White at 91.8%. Hispanic or Latino residents make up 4.7% of the population.
How many businesses are in ZIP code 49645?
ZIP code 49645 has 28 business establishments employing approximately 153 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 49645?
The top industries by establishment count in ZIP 49645 are: Retail trade (7), Construction (4), Other services (except public administration) (4). There are 4 industry sectors represented in total.
How have home values changed in ZIP code 49645?
According to the FHFA House Price Index, home values in ZIP 49645 increased by 3.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 136%. 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 49645?
In ZIP code 49645, 61.6% of residents aged 25+ have a high school diploma or higher, and 15.9% 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 49645?
The mean commute time for workers in ZIP code 49645 is 28.8 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 49645?
In ZIP code 49645, approximately 82.2% of occupied housing units are owner-occupied and 17.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 49645?
The poverty rate in ZIP code 49645 is 20.2% 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 49645's numbers, next.
- See how ZIP 49645 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Kaleva, 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.