PlainZIP

Toivola, MI · standard

ZIP Code 49965

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

440
1/sq mi
$78,295
Median income
$231,700
Median home value
23.2%
Bachelor's or higher

The verdict

Toivola pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.

Top 40%
household income, US ZIPs
Top 47%
home value, US ZIPs
1
people per sq mi
97%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49965 against every reporting US ZIP.

ZIP code 49965 is a sparsely populated ZIP (a standard USPS delivery area) in Toivola, Houghton County, Michigan, home to just 440 residents across 550.0 square miles, a density of 1 people per square mile, in the Detroit time zone.

ZIP 49965 lands in the middle-income range, with a median household income of $78,295 (7% above the Michigan average), while per-capita income is $53,935. The poverty rate stands at 9.7% and the unemployment rate at 17.1%. On housing, the median home value is $231,700 (6% above the state average) with median rent at - per month, and 96.8% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 23.2% of adults hold a bachelor's degree or higher, the median age is 64.1, and the average commute is -. Beyond these figures, 1 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Houghton County, letting you compare 49965 to its immediate surroundings rather than a national baseline alone.

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 49965, Toivola, 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

440

Population

550.0

Area (sq mi)

1

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 49965?

64.1

Median Age

53.3%

Male

46.7%

Female

3.5%

Foreign-Born

White 91.2%
African American 0.0%
Asian 2.8%
American Indian or Alaska Native 1.7%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.4%
Hispanic or Latino 3.7%

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?

$78,295

Median Household Income

+7% vs state

$53,935

Per Capita Income

9.7%

Poverty Rate

17.1%

Unemployment Rate

How ZIP 49965 ranks nationally

Toivola, MI household income vs. every US ZIP code

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

$78,295 Top 40% higher than 60% 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%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $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 51.9%
Bachelor's Degree or Higher 23.2%

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

What does housing look like?

586

Total Housing Units

279

Occupied Units

307

Vacant Units

1.95

Avg Household Size

Occupancy Type

Owner 96.8%
Renter 3.2%

$231,700

Median Home Value

+6% vs state

1967

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 9 business establishments in ZIP 49965, employing approximately 72 people with a combined annual payroll of $2,254,000.

9

Businesses

72

Employees

$2.3M

Annual Payroll

1

Industry Sectors

Industry Establishments % of Total
Accommodation and food services 5 55.6%

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 49965 vs 49955 →

ZIP Code City Population Distance
49955 Painesdale, MI 371 7.9 mi

More ZIP Codes in Houghton County

49931 standard
Houghton, MI
Pop: 9,630
49913 standard
Calumet, MI
Pop: 7,248
49930 standard
Hancock, MI
Pop: 6,987
49916 standard
Chassell, MI
Pop: 2,765
49945 standard
Lake Linden, MI
Pop: 2,621
49905 standard
Atlantic Mine, MI
Pop: 2,005

Related Areas

Houghton County Toivola, MI Michigan

Frequently Asked Questions

What county is ZIP code 49965 in? ▼
ZIP code 49965 (Toivola) is located in Houghton County, Michigan. Houghton County contains multiple ZIP codes, see the full list at /counties/houghton-mi.
What is the population of ZIP code 49965? ▼
ZIP code 49965 in Toivola, MI has a population of 440 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49965? ▼
The median household income in ZIP 49965 is $78,295, which is 3% above the national average of $76,288.
What is the average home value in ZIP 49965? ▼
The median home value in ZIP 49965 is $231,700, which is 17% below the national average of $278,155.
What is the demographic makeup of ZIP 49965? ▼
The largest racial group in ZIP 49965 is White at 91.2%. Hispanic or Latino residents make up 3.7% of the population.
How many businesses are in ZIP code 49965? ▼
ZIP code 49965 has 9 business establishments employing approximately 72 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 49965? ▼
In ZIP code 49965, 51.9% of residents aged 25+ have a high school diploma or higher, and 23.2% 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 49965? ▼
In ZIP code 49965, approximately 96.8% of occupied housing units are owner-occupied and 3.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 49965? ▼
The poverty rate in ZIP code 49965 is 9.7% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.