ZIP Code 48636 — undefined, MI Demographics & Data

ZIP code 48636 covers MI in Oscoda County with a population of about 891.

At a glance, the area shows median age of 57.3 versus a U.S. median of about 38.9.

It sits in telephone area code 989; U.S. House district MI-1; the TRAVERSE CITY - CADILLAC media market.

MI fits a retirement-oriented profile (high share of residents 65+ (35.5%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 48636 is about $63,478 — about 16% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.1%; unemployment rate near 7.0%; 18.2% of adults with a bachelor’s degree or higher (about 15.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Other services, Healthcare, and Arts and entertainment; about 20.8% of workers reporting work-from-home (about 5.6 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $135,700 — about 61% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 92.0% (about 26.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 48636 in MI, a household would need roughly $37,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $872. That sits below the local median household income ($63,478), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for MI as Very Low (composite score 15.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (76.0) and flood (25.5). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for MI show little to no average snow.

IRS migration statistics show a net inflow of about 35 for ZIP 48636 (MI) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.