ZIP Code 48633 — undefined, MI Demographics & Data

ZIP code 48633 covers MI in Clare County with a population of about 146.

At a glance, the area shows median age of 69.9 versus a U.S. median of about 38.9.

It sits in telephone area code 989; U.S. House district MI-2; the TRAVERSE CITY - CADILLAC media market.

MI reads as a military / base-oriented community on US5’s intent model (elevated veteran share (31.5%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 48633 is about $46,944 — about 38% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.0%; unemployment rate near 12.5%; 43.1% of adults with a bachelor’s degree or higher (about 9.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Professional services, and Public administration; about 14.3% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 30.0 minutes (U.S. average near 26.8).

Median home value is about $246,700 — about 29% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 48633 in MI, a household would need roughly $68,000 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 $1,585. That is about 45% above the local median household income ($46,944), so the median earner would likely stretch or need a larger down payment. 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 MI as Relatively Low (composite score 47.5), which is near the middle of the national distribution. The strongest component scores on US5 are flood (50.1) and wildfire (42.7). 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 MI show little to no average snow and around 34.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 6 for ZIP 48633 (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.