ZIP Code 48728 — undefined, MI Demographics & Data

ZIP code 48728 covers MI in Alcona County with a population of about 329.

At a glance, the area shows median age of 61.3 versus a U.S. median of about 38.9.

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

MI fits a retirement-oriented profile (high share of residents 65+ (37.4%)). 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 48728 is about $47,250 — about 37% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 22.2%; unemployment rate near 3.4%; 15.1% of adults with a bachelor’s degree or higher (about 18.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Professional services; about 10.6% of workers reporting work-from-home (about 4.6 points below the U.S. share (15.2%)); a mean commute of about 93.0 minutes (U.S. average near 26.8).

Median home value is about $168,100 — about 52% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $675 (about 42% below the U.S. median rent ($1,163)), and owner-occupancy near 89.0% (about 23.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 48728 in MI, a household would need roughly $46,000 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 $1,080. That is roughly in line with the local median household income ($47,250). 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 17.7), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (41.3) and wildfire (41.3). 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 and around 31.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 13 for ZIP 48728 (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.