Zip code 48464: Otter Lake, Michigan

Q: What city is zip code 48464?

48464 is assigned to Otter Lake, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 48464 in?

48464 is mostly in Lapeer County, but it extends into 2 other counties.

Q: What is the population of 48464?

About 2,152 people live in 48464, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 48464?

The median household income in 48464 is $81,417.

Q: What zip codes are near 48464?

The closest zip codes to 48464 are 48435, 48421, 48463, 48746, 48744.

Residential delivery areaLapeer CountyEastern Time

Population

2,152

Median household income

$81K

U.S. $81K

Median home value

$206K

U.S. $333K

Median rent

$1,333/mo

U.S. $1,413

Median age

49.9

U.S. 38.9

Land area

17 sq mi

126 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 48464

48464 is a small-town zip code in Otter Lake, Michigan (Lapeer County), covering 17 sq mi of land. About 2,152 people live here, or 126 per square mile. The median resident is 49.9 years old, compared with 38.9 nationally.

The median household earns $81,417 a year, close to the national median of $80,734. 14.9% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $206,000, or 2.5 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 95% of occupied homes are lived in by their owners, and renters pay a median of $1,333 a month.

15% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 40.3 minutes each way, and 8% of workers work from home. The most common jobs among working residents are in construction and repair; management; and production and manufacturing.

How 48464 compares

Sorted from highest to lowest national percentile

Homeownership rate95.1%
99th
StrengthU.S. 65.2% · MI 73.2%77th of 958 in MI
Average commute40.3 min
97th
WeaknessU.S. 26.4 min · MI 24.2 min14th of 941 in MI
Median age49.9
95th
U.S. 38.9 · MI 40.2214th of 962 in MI
Unemployment rate10.3%
95th
WeaknessU.S. 5.2% · MI 5.7%90th of 961 in MI
Veterans11.7%
94th
U.S. 6.2% · MI 5.8%91st of 962 in MI
Housing vacancy20.9%
94th
U.S. 10.1% · MI 11.8%311th of 958 in MI
Residents 65 and older26.5%
94th
U.S. 17.2% · MI 18.6%212th of 962 in MI
Income inequality (Gini)0.475
79th
U.S. 0.483 · MI 0.465120th of 958 in MI
Poverty rate14.9%
69th
U.S. 12.5% · MI 13.2%273rd of 959 in MI
Per capita income$42,254
56th
U.S. $44,673 · MI $40,735263rd of 962 in MI
Median household income$81,417
52nd
U.S. $80,734 · MI $72,875275th of 952 in MI
Median earnings per worker$48,030
49th
U.S. $49,666 · MI $47,178322nd of 960 in MI
Median gross rent$1,333
45th
U.S. $1,413 · MI $1,129107th of 851 in MI
Government workers12.7%
42nd
U.S. 14.5% · MI 11.6%378th of 961 in MI
Work from home8.3%
24th
U.S. 15.1% · MI 13.5%591st of 961 in MI
Median home value$206,000
22nd
U.S. $332,700 · MI $231,600432nd of 946 in MI
Population density126/sq mi
16th
U.S. 95/sq mi · MI 178/sq mi462nd of 962 in MI
Healthcare workers7%
15th
U.S. 9.7% · MI 10.1%766th of 961 in MI
Residents under 1816.3%
12th
U.S. 22% · MI 21.2%745th of 962 in MI
Bachelor's degree or higher14.6%
9th
WeaknessU.S. 35.7% · MI 32.4%775th of 961 in MI
Foreign-born residents1.3%
8th
U.S. 14.1% · MI 7.2%607th of 962 in MI
Tech workers0.7%
8th
U.S. 3.8% · MI 3.1%732nd of 961 in MI
Rent-burdened renters30%
5th
StrengthU.S. 51.1% · MI 50.4%751st of 931 in MI
Diversity index9.9
4th
U.S. 61.4 · MI 45.3849th of 962 in MI
Uninsured rate1.8%
4th
StrengthU.S. 8.4% · MI 4.9%869th of 961 in MI
Population2,152
3rd
U.S. 334,922,499 · MI 10,077,761673rd of 962 in MI
Broadband access78%
3rd
WeaknessU.S. 91% · MI 90.5%899th of 958 in MI
Self-employed workers4.4%
3rd
U.S. 10% · MI 8.6%906th of 961 in MI

Measure	48464	Lapeer	MI	U.S.	National percentile	Rank in MI
Homeownership rateStrength	95.1%	86%	73.2%	65.2%	99th	77th of 958
Average commuteWeakness	40.3 min	34.5 min	24.2 min	26.4 min	97th	14th of 941
Median age	49.9	44.7	40.2	38.9	95th	214th of 962
Unemployment rateWeakness	10.3%	5.1%	5.7%	5.2%	95th	90th of 961
Veterans	11.7%	7.6%	5.8%	6.2%	94th	91st of 962
Housing vacancy	20.9%	6.2%	11.8%	10.1%	94th	311th of 958
Residents 65 and older	26.5%	20.2%	18.6%	17.2%	94th	212th of 962
Income inequality (Gini)	0.475	0.422	0.465	0.483	79th	120th of 958
Poverty rate	14.9%	9.7%	13.2%	12.5%	69th	273rd of 959
Per capita income	$42,254	$39,062	$40,735	$44,673	56th	263rd of 962
Median household income	$81,417	$77,306	$72,875	$80,734	52nd	275th of 952
Median earnings per worker	$48,030	$46,625	$47,178	$49,666	49th	322nd of 960
Median gross rent	$1,333	$988	$1,129	$1,413	45th	107th of 851
Government workers	12.7%	9.7%	11.6%	14.5%	42nd	378th of 961
Work from home	8.3%	8.7%	13.5%	15.1%	24th	591st of 961
Median home value	$206,000	$239,000	$231,600	$332,700	22nd	432nd of 946
Population density	126/sq mi	137/sq mi	178/sq mi	95/sq mi	16th	462nd of 962
Healthcare workers	7%	9.3%	10.1%	9.7%	15th	766th of 961
Residents under 18	16.3%	19.9%	21.2%	22%	12th	745th of 962
Bachelor's degree or higherWeakness	14.6%	20.4%	32.4%	35.7%	9th	775th of 961
Foreign-born residents	1.3%	2.3%	7.2%	14.1%	8th	607th of 962
Tech workers	0.7%	1.6%	3.1%	3.8%	8th	732nd of 961
Rent-burdened rentersStrength	30%	51.4%	50.4%	51.1%	5th	751st of 931
Diversity index	9.9	19.2	45.3	61.4	4th	849th of 962
Uninsured rateStrength	1.8%	4.8%	4.9%	8.4%	4th	869th of 961
Population	2,152	88,837	10,077,761	334,922,499	3rd	673rd of 962
Broadband accessWeakness	78%	88.2%	90.5%	91%	3rd	899th of 958
Self-employed workers	4.4%	10.8%	8.6%	10%	3rd	906th of 961

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

13%

5–17

18–24

25–34

35–44

17%

45–54

16%

55–64

15%

65–74

12%

75+

Median age

49.9

Under 18

16.3%

65 and over

26.5%

Race and ethnicity

White95%
Black0.0%
Hispanic0%
Asian1%
Native American0%
Pacific Islander0%
Other0%
Multiracial4%

Diversity index

9.9

U.S. 61.4

Foreign-born

1.3%

U.S. 14.1%

Born in state

87.8%

Language spoken at home (households)

English only

98%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 855
Average household size: 2.5
Family households: 68.9%
Married couples: 57%
Living alone: 26.2%
Veterans (of adults): 11.7%
Male / female: 55% / 45%

Income and poverty

Household income distribution

<$25k

14%

$25–50k

20%

$50–75k

15%

$75–100k

17%

$100–150k

16%

$150–200k

11%

$200k+

Median household income

48464

$81,417

Lapeer Co.

$77,306

Michigan

$72,875

United States

$80,734

Per capita income

$42,254

U.S. $44,673

Poverty rate

14.9%

U.S. 12.5%

Households earning $150K+

18.4%

U.S. 23%

Income inequality (Gini)

0.475

U.S. 0.483

Housing

Median home value

48464

$206,000

Lapeer Co.

$239,000

Michigan

$231,600

United States

$332,700

Median gross rent

48464

$1,333

Lapeer Co.

$988

Michigan

$1,129

United States

$1,413

Types of housing

Single-family

87%

2–4 units

5–19 units

20+ units

Mobile home

Boat, RV, van

Housing units: 1,081
Owner-occupied: 95.1%
Vacant: 20.9%
Median year built: 1969
Median rooms: 5.8
Renters paying 30%+ of income: 30%
Renters paying 50%+ of income: 30%
Home value to income: 2.5× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

72%

Carpooled

20%

Transit

0.1%

Walked

0.1%

Bicycle

Worked from home

Other

0.2%

Commute time (one way)

<10 min

10–19

20–29

21%

30–44

31%

45–59

13%

60+

21%

Average commute

40.3 min

U.S. 26.4 min

Unemployment

10.3%

U.S. 5.2%

In labor force

53.2%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Construction and repair

20%

Management

16%

Production

12%

Sales

12%

Office and admin

10%

Transportation and moving

Healthcare

Cleaning and personal care

Food service

Education

Business and finance

Engineering and science

Computer and math

0.7%

Legal and social services

0.7%

Arts, media and sports

0.7%

Police and fire

Farming, fishing and forestry

Industries

Manufacturing

25%

Construction

20%

Retail

11%

Transportation, warehousing and utilities

Health care and social assistance

Other services

Professional and technical services

Restaurants and hotels

Finance, insurance and real estate

Wholesale

Education

Public administration

Arts and recreation

Admin, support and management

Information

0.2%

Agriculture and mining

Median earnings per worker

$48,030

U.S. $49,666

Self-employed

4.4%

U.S. 10%

Government workers

12.7%

U.S. 14.5%

Nonprofit workers

6.7%

U.S. 8.8%

Median earnings by type of work

Type of work	48464	U.S.
Management, business, science and arts	$67,273	$74,888
Service	$25,417	$26,804
Sales and office	$41,625	$40,476
Construction and maintenance	$62,036	$49,199
Production and transportation	$38,958	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

43%

Some college

24%

Associate's

10%

Bachelor's

11%

Graduate

High school graduate or higher: 91.6%
Bachelor's degree or higher: 14.6%
Graduate or professional degree: 3.3%
Households with broadband: 78%
Cable, fiber or DSL: 55%
No internet access: 19.3%
Without health insurance: 1.8%
Limited-English households: 0%

Geography

City (USPS): Otter Lake
State: Michigan
County: Lapeer County
Center point: 43.2109° N, 83.4190° W
Land area: 17 sq mi
Water area: 0.5 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

48464 spans 3 counties

Lapeer County81% of land
Tuscola County12% of land
Genesee County7% of land

Cities and towns within this zip

Otter Lake4% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 48464

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
48435	Fostoria, MI	3.8 mi	2,547	$86,905	$143,200
48421	Columbiaville, MI	4 mi	6,935	$71,114	$220,600
48463	Otisville, MI	5.9 mi	4,393	$72,500	$191,500
48746	Millington, MI	7 mi	8,222	$67,276	$161,500
48744	Mayville, MI	9.9 mi	4,460	$67,944	$159,800
48461	North Branch, MI	11 mi	7,719	$78,453	$205,200
48760	Silverwood, MI	11 mi	1,204	$54,643	$171,000
48446	Lapeer, MI	12 mi	30,581	$66,062	$220,200
48437	Genesee, MI	12 mi	279	$40,864	$117,100
48423	Davison, MI	13 mi	33,757	$65,079	$223,100
48768	Vassar, MI	14 mi	9,109	$64,413	$158,400
48727	Clifford, MI	14 mi	958	$64,583	$162,900

Zip codes like 48464 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 48464

What city is zip code 48464?

48464 is assigned to Otter Lake, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 48464 in?

48464 is mostly in Lapeer County, but it extends into 2 other counties.

What is the population of 48464?

About 2,152 people live in 48464, according to the Census Bureau's American Community Survey.

What time zone is 48464 in?

48464 is in Eastern Time.

What is the median household income in 48464?

The median household income in 48464 is $81,417.

What zip codes are near 48464?

The closest zip codes to 48464 are 48435, 48421, 48463, 48746, 48744.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 48464, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.