ZIP Code 49453 — Saugatuck city, MI Demographics & Data

ZIP code 49453 covers Saugatuck, MI in Allegan County with a population of about 2,729.

At a glance, the area shows median age of 52.0 versus a U.S. median of about 38.9.

It sits in telephone area code 269; U.S. House district MI-4; the GRAND RAPIDS - KALMZOO - B. CRK media market.

Median household income in ZIP 49453 is about $101,250 — about 35% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.0%; unemployment rate near 0.7%; 52.2% of adults with a bachelor’s degree or higher (about 18.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Transportation, and Professional services; about 21.9% of workers reporting work-from-home (about 6.7 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 $487,400 — about 40% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $680 (about 42% below the U.S. median rent ($1,163)), and owner-occupancy near 88.8% (about 23.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49453 in Saugatuck, MI, a household would need roughly $134,000 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 $3,131. That is about 32% above the local median household income ($101,250), so the median earner would likely stretch or need a larger down payment. 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 Saugatuck city, MI as Relatively Low (composite score 68.5), which is near the middle of the national distribution. The strongest component scores on US5 are flood (79.4) and hurricane (38.0). 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 Saugatuck city, MI show little to no average snow and around 34.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 107 for ZIP 49453 (Saugatuck city, 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.