ZIP Code 49766 — Ossineke CDP, MI Demographics & Data

ZIP code 49766 covers Ossineke, MI in Alpena County with a population of about 2,498.

At a glance, the area shows median age of 51.7 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.

Median household income in ZIP 49766 is about $56,806 — about 24% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.4%; unemployment rate near 11.8%; 17.4% of adults with a bachelor’s degree or higher (about 16.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 12.8% of workers reporting work-from-home (about 2.3 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 $155,400 — about 55% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $509 (about 56% below the U.S. median rent ($1,163)), and owner-occupancy near 91.2% (about 25.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49766 in Ossineke, MI, a household would need roughly $43,000 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 $998. That sits below the local median household income ($56,806), 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 Ossineke CDP, MI as Very Low (composite score 28.3), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (51.0) and hurricane (26.1). 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 Ossineke CDP, MI show little to no average snow and around 31.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 98 for ZIP 49766 (Ossineke 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.