ZIP Code 49634 — Filer City CDP, MI Demographics & Data

ZIP code 49634 covers Filer City, MI in Manistee County with a population of about 183.

At a glance, the area shows median age of 38.8 (near the U.S. median).

It sits in telephone area code 231; U.S. House district MI-2; the TRAVERSE CITY - CADILLAC media market.

On socioeconomic markers, US5 shows a poverty rate of 3.8%; unemployment rate near 5.6%; 3.9% of adults with a bachelor’s degree or higher (about 29.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Education; a mean commute of about 102.0 minutes (U.S. average near 26.8).

Median home value is about $93,100 — about 73% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 86.2% (about 20.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49634 in Filer City, MI, a household would need roughly $26,000 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 $598. 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 Filer City CDP, MI as Very Low (composite score 37.2), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (56.9) and wildfire (28.2). 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 Filer City CDP, MI show little to no average snow and around 36.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 7 for ZIP 49634 (Filer City CDP, 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.