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
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 49735 (Gaylord, MI) rose +15.7% from 2023 to 2024. The all-transactions index moved from 189.5 in 2023 to 219.3 in 2024 (2000 = 100).
ZIP code 49735 is a mid-sized community (a standard USPS delivery area) in Gaylord, Otsego County, Michigan, home to 19,515 residents across 648.3 square miles, a density of 30 people per square mile, in the Detroit time zone.
ZIP 49735 lands in the middle-income range, with a median household income of $70,819 (3% below the average Michigan ZIP), while per-capita income is $38,973. Both reported hardship measures are comparatively low in absolute terms: poverty is 7.1% and unemployment is 3.5%. Median home value is $227,200 (3% above the average Michigan ZIP) and median rent is $1,020; 75.4% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 28.3% of adults hold a bachelor's degree or higher, the median age is 44.2, and the average commute is 20 minutes. No nearby ZIP peer set is available for this delivery area, so the Michigan and national benchmarks above are the appropriate context for 49735.
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 49735
Top 5 sectors by establishment count in Gaylord, MI
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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, 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; 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 ZIP avg
$38,973
Per Capita Income
7.1%
Poverty Rate
3.5%
Unemployment Rate
19.5 min
Mean Commute Time
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
11,509housing units
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 ZIP avg
$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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 49735, 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 (19,515 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.