ZIP Code 49959 — Ramsay CDP, MI Demographics & Data

ZIP code 49959 covers Ramsay, MI in Gogebic County with a population of about 261.

At a glance, the area shows median age of 51.9 versus a U.S. median of about 38.9.

It sits in telephone area code 906; U.S. House district MI-1; the DULUTH - SUPERIOR media market.

Median household income in ZIP 49959 is about $49,750 — about 34% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.5%; unemployment rate near 0.0%; 14.4% of adults with a bachelor’s degree or higher (about 19.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; a mean commute of about 85.0 minutes (U.S. average near 26.8).

Median home value is about $48,300 — about 86% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 80.9% (about 15.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49959 in Ramsay, MI, a household would need roughly $13,000 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 $310. That sits below the local median household income ($49,750), 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 Ramsay CDP, MI as Very Low (composite score 25.6), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (30.2) and wildfire (14.4). 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 Ramsay CDP, MI show little to no average snow.

IRS migration statistics show a net inflow of about 10 for ZIP 49959 (Ramsay 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.