Zip code 49965: Toivola, Michigan

Q: What city is zip code 49965?

49965 is assigned to Toivola, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 49965 in?

49965 is mostly in Houghton County, but it extends into 1 other county.

Q: What is the population of 49965?

About 544 people live in 49965, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 49965?

The median household income in 49965 is $78,295.

Q: What zip codes are near 49965?

The closest zip codes to 49965 are 49955, 49963, 49905, 49916, 49958.

Residential delivery areaHoughton CountyEastern Time

Population

544

Median household income

$78K

U.S. $81K

Median home value

$232K

U.S. $333K

Median rent

—

U.S. $1,413

Median age

64.1

U.S. 38.9

Land area

192 sq mi

3 people/sq mi

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

About 49965

49965 is a rural zip code in Toivola, Michigan (Houghton County), covering 192 sq mi of land. About 544 people live here, or 3 per square mile. The median resident is 64.1 years old, compared with 38.9 nationally.

The median household earns $78,295 a year, close to the national median of $80,734. 9.7% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $231,700, or 3.0 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 97% of occupied homes are lived in by their owners.

23% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 64 minutes each way, and 5% of workers work from home. The most common jobs among working residents are in management; office and administrative support; and education. 23% of them are self-employed (U.S.: 10%).

How 49965 compares

Sorted from highest to lowest national percentile

Median age64.1
99th
U.S. 38.9 · MI 40.217th of 962 in MI
Homeownership rate96.8%
99th
StrengthU.S. 65.2% · MI 73.2%39th of 958 in MI
Average commute64 min
99th
WeaknessU.S. 26.4 min · MI 24.2 min1st of 941 in MI
Unemployment rate17.1%
99th
WeaknessU.S. 5.2% · MI 5.7%16th of 961 in MI
Veterans18.8%
99th
U.S. 6.2% · MI 5.8%18th of 962 in MI
Housing vacancy52.4%
99th
U.S. 10.1% · MI 11.8%75th of 958 in MI
Rent-burdened renters100%
99th
WeaknessU.S. 51.1% · MI 50.4%9th of 931 in MI
Residents 65 and older47.1%
99th
U.S. 17.2% · MI 18.6%18th of 962 in MI
Self-employed workers22.6%
99th
U.S. 10% · MI 8.6%32nd of 961 in MI
Per capita income$53,935
78th
U.S. $44,673 · MI $40,73593rd of 962 in MI
Income inequality (Gini)0.457
68th
U.S. 0.483 · MI 0.465200th of 958 in MI
Median earnings per worker$50,540
57th
U.S. $49,666 · MI $47,178255th of 960 in MI
Median household income$78,295
48th
U.S. $80,734 · MI $72,875313th of 952 in MI
Poverty rate9.7%
43rd
U.S. 12.5% · MI 13.2%535th of 959 in MI
Tech workers2.5%
43rd
U.S. 3.8% · MI 3.1%312th of 961 in MI
Bachelor's degree or higher23.2%
29th
U.S. 35.7% · MI 32.4%449th of 961 in MI
Median home value$231,700
28th
U.S. $332,700 · MI $231,600327th of 946 in MI
Government workers10.6%
23rd
U.S. 14.5% · MI 11.6%558th of 961 in MI
Foreign-born residents3.5%
21st
U.S. 14.1% · MI 7.2%268th of 962 in MI
Diversity index16.6
9th
U.S. 61.4 · MI 45.3587th of 962 in MI
Work from home4.7%
7th
U.S. 15.1% · MI 13.5%865th of 961 in MI
Broadband access81.4%
6th
WeaknessU.S. 91% · MI 90.5%819th of 958 in MI
Uninsured rate2%
5th
StrengthU.S. 8.4% · MI 4.9%849th of 961 in MI
Residents under 1810.1%
2nd
U.S. 22% · MI 21.2%905th of 962 in MI
Population544
1st
U.S. 334,922,499 · MI 10,077,761875th of 962 in MI
Population density3/sq mi
1st
U.S. 95/sq mi · MI 178/sq mi944th of 962 in MI
Healthcare workers3.5%
1st
U.S. 9.7% · MI 10.1%912th of 961 in MI

Measure	49965	Houghton	MI	U.S.	National percentile	Rank in MI
Median age	64.1	32.2	40.2	38.9	99th	17th of 962
Homeownership rateStrength	96.8%	71.8%	73.2%	65.2%	99th	39th of 958
Average commuteWeakness	64 min	15.6 min	24.2 min	26.4 min	99th	1st of 941
Unemployment rateWeakness	17.1%	5.7%	5.7%	5.2%	99th	16th of 961
Veterans	18.8%	6.7%	5.8%	6.2%	99th	18th of 962
Housing vacancy	52.4%	24.2%	11.8%	10.1%	99th	75th of 958
Rent-burdened rentersWeakness	100%	56.6%	50.4%	51.1%	99th	9th of 931
Residents 65 and older	47.1%	18%	18.6%	17.2%	99th	18th of 962
Self-employed workers	22.6%	8.3%	8.6%	10%	99th	32nd of 961
Per capita income	$53,935	$31,893	$40,735	$44,673	78th	93rd of 962
Income inequality (Gini)	0.457	0.464	0.465	0.483	68th	200th of 958
Median earnings per worker	$50,540	$34,710	$47,178	$49,666	57th	255th of 960
Median household income	$78,295	$58,899	$72,875	$80,734	48th	313th of 952
Poverty rate	9.7%	16.5%	13.2%	12.5%	43rd	535th of 959
Tech workers	2.5%	2.7%	3.1%	3.8%	43rd	312th of 961
Bachelor's degree or higher	23.2%	37.2%	32.4%	35.7%	29th	449th of 961
Median home value	$231,700	$159,900	$231,600	$332,700	28th	327th of 946
Government workers	10.6%	18.5%	11.6%	14.5%	23rd	558th of 961
Foreign-born residents	3.5%	5.3%	7.2%	14.1%	21st	268th of 962
Diversity index	16.6	17.2	45.3	61.4	9th	587th of 962
Work from home	4.7%	11%	13.5%	15.1%	7th	865th of 961
Broadband accessWeakness	81.4%	88.7%	90.5%	91%	6th	819th of 958
Uninsured rateStrength	2%	5.1%	4.9%	8.4%	5th	849th of 961
Residents under 18	10.1%	19.8%	21.2%	22%	2nd	905th of 962
Population	544	37,693	10,077,761	334,922,499	1st	875th of 962
Population density	3/sq mi	37/sq mi	178/sq mi	95/sq mi	1st	944th of 962
Healthcare workers	3.5%	8.4%	10.1%	9.7%	1st	912th 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

10%

5–17

18–24

25–34

35–44

20%

45–54

11%

55–64

34%

65–74

13%

75+

Median age

64.1

Under 18

10.1%

65 and over

47.1%

Race and ethnicity

White91%
Black0%
Hispanic4%
Asian3%
Native American0%
Pacific Islander0%
Other0%
Multiracial2%

Diversity index

16.6

U.S. 61.4

Foreign-born

3.5%

U.S. 14.1%

Born in state

71.7%

Language spoken at home (households)

English only

95%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 279
Average household size: 2
Family households: 69.5%
Married couples: 58.4%
Living alone: 19%
Veterans (of adults): 18.8%
Male / female: 53% / 47%

Income and poverty

Household income distribution

<$25k

14%

$25–50k

24%

$50–75k

11%

$75–100k

14%

$100–150k

$150–200k

$200k+

24%

Median household income

49965

$78,295

Houghton Co.

$58,899

Michigan

$72,875

United States

$80,734

Per capita income

$53,935

U.S. $44,673

Poverty rate

9.7%

U.S. 12.5%

Households earning $150K+

27.6%

U.S. 23%

Income inequality (Gini)

0.457

U.S. 0.483

Housing

Median home value

49965

$231,700

Houghton Co.

$159,900

Michigan

$231,600

United States

$332,700

Median gross rent

49965

—

Houghton Co.

$840

Michigan

$1,129

United States

$1,413

Types of housing

Single-family

94%

2–4 units

5–19 units

20+ units

Mobile home

Boat, RV, van

Housing units: 586
Owner-occupied: 96.8%
Vacant: 52.4%
Median year built: 1967
Median rooms: 5.5
Renters paying 30%+ of income: 100%
Renters paying 50%+ of income: 0%
Home value to income: 3.0× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

78%

Carpooled

17%

Transit

Walked

Bicycle

Worked from home

Other

0.5%

Commute time (one way)

<10 min

10%

10–19

20–29

15%

30–44

25%

45–59

60+

34%

Average commute

64 min

U.S. 26.4 min

Unemployment

17.1%

U.S. 5.2%

In labor force

46.7%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

35%

Office and admin

12%

Education

Construction and repair

Food service

Sales

Healthcare

Cleaning and personal care

Transportation and moving

Production

Business and finance

Computer and math

Arts, media and sports

Engineering and science

Police and fire

Farming, fishing and forestry

0.5%

Legal and social services

Industries

Finance, insurance and real estate

21%

Construction

15%

Education

15%

Health care and social assistance

Manufacturing

Professional and technical services

Restaurants and hotels

Retail

Admin, support and management

Agriculture and mining

Information

Public administration

Transportation, warehousing and utilities

Wholesale

Other services

Arts and recreation

Median earnings per worker

$50,540

U.S. $49,666

Self-employed

22.6%

U.S. 10%

Government workers

10.6%

U.S. 14.5%

Nonprofit workers

U.S. 8.8%

Median earnings by type of work

Type of work	49965	U.S.
Management, business, science and arts	$51,891	$74,888
Service	$12,031	$26,804
Sales and office	$31,705	$40,476
Construction and maintenance	$51,250	$49,199
Production and transportation	$55,208	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

29%

Some college

29%

Associate's

10%

Bachelor's

19%

Graduate

High school graduate or higher: 91.1%
Bachelor's degree or higher: 23.2%
Graduate or professional degree: 4.6%
Households with broadband: 81.4%
Cable, fiber or DSL: 53.4%
No internet access: 17.9%
Without health insurance: 2%
Limited-English households: 0%

Geography

City (USPS): Toivola
State: Michigan
County: Houghton County
Center point: 46.9551° N, 88.8595° W
Land area: 192 sq mi
Water area: 11 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

49965 spans 2 counties

Houghton County87% of land
Ontonagon County13% of land

Zip codes near 49965

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
49955	Painesdale, MI	8.5 mi	499	$64,402	$96,200
49963	South Range, MI	12 mi	515	$58,958	$93,500
49905	Atlantic Mine, MI	13 mi	2,281	$77,617	$211,300
49916	Chassell, MI	13 mi	2,865	$74,625	$199,000
49958	Pelkie, MI	13 mi	911	$40,893	$164,300
49929	Greenland, MI	16 mi	121	$42,708	$62,500
49948	Mass City, MI	16 mi	581	$73,063	$100,400
49921	Dodgeville, MI	16 mi	336	—	$211,500
49952	Nisula, MI	18 mi	111	$79,583	$103,600
49931	Houghton, MI	19 mi	10,475	$50,408	$232,800
49908	Baraga, MI	20 mi	3,201	$63,281	$130,300
49922	Dollar Bay, MI	21 mi	842	$55,313	$121,000

Questions about 49965

What city is zip code 49965?

49965 is assigned to Toivola, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 49965 in?

49965 is mostly in Houghton County, but it extends into 1 other county.

What is the population of 49965?

About 544 people live in 49965, according to the Census Bureau's American Community Survey.

What time zone is 49965 in?

49965 is in Eastern Time.

What is the median household income in 49965?

The median household income in 49965 is $78,295.

What zip codes are near 49965?

The closest zip codes to 49965 are 49955, 49963, 49905, 49916, 49958.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 49965, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.