ZIP Code 49455 — Shelby village, MI Demographics & Data

ZIP code 49455 covers Shelby, MI in Oceana County with a population of about 5,272.

At a glance, the area shows median age of 37.1 versus a U.S. median of about 38.9.

It sits in telephone area code 231; U.S. House district MI-2; the GRAND RAPIDS - KALMZOO - B. CRK media market.

Median household income in ZIP 49455 is about $65,640 — about 13% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.4%; unemployment rate near 4.4%; 21.4% of adults with a bachelor’s degree or higher (about 12.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Agriculture, and Healthcare; about 4.8% of workers reporting work-from-home (about 10.4 points below 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 $144,900 — about 58% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $572 (about 51% below the U.S. median rent ($1,163)), and owner-occupancy near 79.8% (about 14.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49455 in Shelby, MI, a household would need roughly $40,000 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 $931. That sits below the local median household income ($65,640), 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 Shelby village, MI as Very Low (composite score 33.7), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (43.6) and wildfire (34.6). 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 Shelby village, MI show little to no average snow and around 38.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 206 for ZIP 49455 (Shelby village, 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.