ZIP Code 48197 — Ypsilanti city, MI Demographics & Data

ZIP code 48197 covers Ypsilanti, MI in Washtenaw County with a population of about 65,911.

At a glance, the area shows median age of 33.2 versus a U.S. median of about 38.9.

It sits in telephone area code 734; U.S. House district MI-6; the DETROIT media market.

Median household income in ZIP 48197 is about $70,913 — about 6% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.2%; unemployment rate near 6.2%; 46.8% of adults with a bachelor’s degree or higher (about 13.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Manufacturing; about 14.4% of workers reporting work-from-home (roughly in line with 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 $274,100 — about 21% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,084 (about 7% below the U.S. median rent ($1,163)), and owner-occupancy near 53.5% (about 11.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 48197 in Ypsilanti, MI, a household would need roughly $75,000 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 $1,761. That is roughly in line with the local median household income ($70,913). 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 Ypsilanti city, MI as Relatively Moderate (composite score 89.3), which is elevated versus much of the country. The strongest component scores on US5 are flood (90.3) and hurricane (48.3). 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 Ypsilanti city, MI show little to no average snow and around 37.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,579 for ZIP 48197 (Ypsilanti city, 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.