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 Low-density area
- $78,295
- Median income Near-median income area
- $231,700
- Median home value Near-median home value
- 23.2%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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 average Michigan ZIP), while per-capita income is $53,935. Unemployment is 17.1%, an important qualifier alongside the household-income figure. Median home value is $231,700 (6% above the average Michigan ZIP); 96.8% of occupied homes 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 -. The page also surfaces 1 ZIP codes within roughly 10 miles and 6 more in Houghton County, so 49965 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 →
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
Who lives in ZIP 49965?
64.1
Median Age
53.3%
Male
46.7%
Female
3.5%
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?
$78,295
Median Household Income
+7% vs state ZIP avg
$53,935
Per Capita Income
9.7%
Poverty Rate
17.1%
Unemployment Rate
How ZIP 49965 ranks among Michigan ZIPs
Toivola, 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)
$78,295 Top 33% higher than 67% 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
586housing units
586
Total Housing Units
279
Occupied Units
307
Vacant Units
1.95
Avg Household Size
Occupancy Type
$231,700
Median Home Value
+6% vs state ZIP avg
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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 49965, both outside MI so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Houghton County
Related Areas
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.
Related
Take this with you
What to do with ZIP 49965's numbers, next.
- See how ZIP 49965 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Toivola, MI ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.