Gaylord, MI · standard
ZIP Code 49735
Otsego County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 19,515
- 30/sq mi
- $70,819
- Median income
- $227,200
- Median home value
- 28.3%
- Bachelor's or higher
The verdict
Gaylord pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.
- 48th pct
- household income, US ZIPs
- Top 49%
- home value, US ZIPs
- 30
- people per sq mi
- 75%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49735 against every reporting US ZIP.
ZIP code 49735 is classified by USPS as a standard delivery area and covers roughly 648.3 square miles in Gaylord, Otsego County, Michigan. The area is home to 19,515 residents, producing a population density of 30 people per square mile, and falls within the Detroit time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 49735 against Michigan and the nation.
On the economic side, the median household income for ZIP 49735 sits at $70,819 (3% below the Michigan average), while per-capita income is $38,973. The poverty rate stands at 7.1% and the unemployment rate at 3.5%. On housing, the median home value is $227,200 (3% above the state average) with median rent at $1,020 per month, and 75.4% of occupied units are owner-occupied, a direct signal of whether 49735 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 28.3% of adults hold a bachelor's degree or higher, the median age is 44.2, and the average commute is 20 minutes. Use the benchmarks above to see where 49735 sits relative to Michigan and the national baseline rather than viewing the numbers in isolation. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 49735
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 49735.
- Retail trade
Retail trade
134 establishments
- Health care and social assistance
Health care and social assistance
97 establishments
- Accommodation and food services
Accommodation and food services
73 establishments
- Other services (except public administration)
Other services (except public administration)
72 establishments
- Construction
Construction
70 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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 49735, Gaylord, MI · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
19,515
Population
648.3
Area (sq mi)
30
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 49735?
44.2
Median Age
50.0%
Male
50.0%
Female
1.4%
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?
$70,819
Median Household Income
-3% vs state
$38,973
Per Capita Income
7.1%
Poverty Rate
3.5%
Unemployment Rate
19.5 min
Mean Commute Time
How ZIP 49735 ranks nationally
Household income vs. every US ZIP code
Median household income — the full national distribution, with this ZIP marked
$70,819 48th percentile higher than 48% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
11,509
Total Housing Units
9,168
Occupied Units
2,341
Vacant Units
2.23
Avg Household Size
Occupancy Type
$227,200
Median Home Value
+3% vs state
$1,020
Median Rent
1983
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
+15.7%
YoY Change (2024)
219
HPI Index (2000 = 100)
+119%
Total Change Since 2000
Home values in ZIP 49735 have increased 15.7% over the past year (2024). Since 2000, this ZIP has seen +119% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.6% | 127 |
| 2021 | +12.9% | 144 |
| 2022 | +22.2% | 176 |
| 2023 | +8.0% | 190 |
| 2024 | +15.7% | 219 |
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 731 business establishments in ZIP 49735, employing approximately 8,357 people with a combined annual payroll of $391,333,000.
731
Businesses
8,357
Employees
$391.3M
Annual Payroll
19
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 134 | 18.3% |
| Health care and social assistance | 97 | 13.3% |
| Accommodation and food services | 73 | 10.0% |
| Other services (except public administration) | 72 | 9.8% |
| Construction | 70 | 9.6% |
| Professional, scientific, and technical services | 64 | 8.8% |
| Wholesale trade | 42 | 5.8% |
| Finance and insurance | 34 | 4.7% |
| Administrative and support and waste management and remediation services | 27 | 3.7% |
| Real estate and rental and leasing | 26 | 3.6% |
| Manufacturing | 22 | 3.0% |
| Transportation and warehousing | 18 | 2.5% |
| Mining, quarrying, and oil and gas extraction | 13 | 1.8% |
| Information | 12 | 1.6% |
| Arts, entertainment, and recreation | 9 | 1.2% |
| Agriculture, forestry, fishing and hunting | 6 | 0.8% |
| Utilities | 4 | 0.6% |
| Management of companies and enterprises | 4 | 0.6% |
| Educational services | 4 | 0.6% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
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Frequently Asked Questions
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ZIP Code Research Guides
Official Data Resources for Gaylord, MI
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.