Vanderbilt, MI · standard

ZIP Code 49795

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

2,097
6/sq mi
$57,019
Median income
$166,500
Median home value
15.5%
Bachelor's or higher

The verdict

Vanderbilt pairs one of the lowest household incomes in the country with below-median home values, in a rural, homeowner-dominated area.

24th pct
household income, US ZIPs
33th pct
home value, US ZIPs
6
people per sq mi
76%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49795 against every reporting US ZIP.

ZIP code 49795 is classified by USPS as a standard delivery area and covers roughly 338.2 square miles in Vanderbilt, Cheboygan County, Michigan. The area is home to 2,097 residents, producing a population density of 6 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 49795 against Michigan and the nation.

On the economic side, the median household income for ZIP 49795 sits at $57,019 (22% below the Michigan average), while per-capita income is $30,806. The poverty rate stands at 18.2% and the unemployment rate at 5.9%. On housing, the median home value is $166,500 (24% below the state average) with median rent at $966 per month, and 76.2% of occupied units are owner-occupied, a direct signal of whether 49795 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 15.5% of adults hold a bachelor's degree or higher, the median age is 45.2, and the average commute is 22 minutes. We also surface 1 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Cheboygan County, so you can benchmark 49795 against its immediate geography rather than a national average alone. 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 49795

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 49795.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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 49795, Vanderbilt, 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

2,097

Population

338.2

Area (sq mi)

6

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 49795?

45.2

Median Age

58.4%

Male

41.6%

Female

2.4%

Foreign-Born

White 93.2%
African American 2.0%
Asian 0.2%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.2%
Hispanic or Latino 1.1%

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?

$57,019

Median Household Income

-22% vs state

$30,806

Per Capita Income

18.2%

Poverty Rate

5.9%

Unemployment Rate

22.0 min

Mean Commute Time

How ZIP 49795 ranks nationally

Household income vs. every US ZIP code

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

$57,019 24th percentile higher than 24% 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%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $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 56.4%
Bachelor's Degree or Higher 15.5%

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

What does housing look like?

1,151

Total Housing Units

845

Occupied Units

306

Vacant Units

2.22

Avg Household Size

Occupancy Type

Owner 76.2%
Renter 23.8%

$166,500

Median Home Value

-24% vs state

$966

Median Rent

1984

Median Year Built

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

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+10.9%

YoY Change (2023)

200

HPI Index (2000 = 100)

+100%

Total Change Since 2000

Home values in ZIP 49795 have increased 10.9% over the past year (2023). Since 2000, this ZIP has seen +100% cumulative appreciation.

Year Annual Change HPI Index
2019 +10.9% 125
2020 +1.6% 127
2021 +5.2% 134
2022 +34.5% 180
2023 +10.9% 200

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 2023. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 35 business establishments in ZIP 49795, employing approximately 413 people with a combined annual payroll of $19,927,000.

35

Businesses

413

Employees

$19.9M

Annual Payroll

4

Industry Sectors

Industry Establishments % of Total
Construction 9 25.7%
Manufacturing 6 17.1%
Retail trade 4 11.4%
Other services (except public administration) 4 11.4%

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 49795 vs 49799 →

ZIP Code City Population Distance
49799 Wolverine, MI 2,327 7.1 mi

More ZIP Codes in Cheboygan County

Frequently Asked Questions

What county is ZIP code 49795 in?
ZIP code 49795 (Vanderbilt) is located in Cheboygan County, Michigan. Cheboygan County contains multiple ZIP codes, see the full list at /counties/cheboygan-mi.
What is the population of ZIP code 49795?
ZIP code 49795 in Vanderbilt, MI has a population of 2,097 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49795?
The median household income in ZIP 49795 is $57,019, which is 25% below the national average of $76,288.
What is the average home value in ZIP 49795?
The median home value in ZIP 49795 is $166,500, which is 40% below the national average of $278,155.
What is the demographic makeup of ZIP 49795?
The largest racial group in ZIP 49795 is White at 93.2%. Hispanic or Latino residents make up 1.1% of the population.
How many businesses are in ZIP code 49795?
ZIP code 49795 has 35 business establishments employing approximately 413 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 49795?
The top industries by establishment count in ZIP 49795 are: Construction (9), Manufacturing (6), Retail trade (4). There are 4 industry sectors represented in total.
How have home values changed in ZIP code 49795?
According to the FHFA House Price Index, home values in ZIP 49795 increased by 10.9% in 2023. Since 2000, home values in this ZIP have appreciated by approximately 100%. 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 49795?
In ZIP code 49795, 56.4% of residents aged 25+ have a high school diploma or higher, and 15.5% 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 49795?
The mean commute time for workers in ZIP code 49795 is 22.0 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 49795?
In ZIP code 49795, approximately 76.2% of occupied housing units are owner-occupied and 23.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 49795?
The poverty rate in ZIP code 49795 is 18.2% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

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Official Data Resources for Vanderbilt, MI

Verify and explore additional data for this area using these official government sources.