ZIP Code 48635 — Lupton CDP, MI Demographics & Data

ZIP code 48635 covers Lupton, MI in Ogemaw County with a population of about 1,535.

At a glance, the area shows median age of 59.3 versus a U.S. median of about 38.9.

It sits in telephone area code 989; U.S. House district MI-1; the FLINT - SAGINAW - BAY CITY media market.

Lupton, MI fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 48635 is about $59,861 — about 20% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.0%; unemployment rate near 6.6%; 14.5% of adults with a bachelor’s degree or higher (about 19.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Food services; about 6.2% of workers reporting work-from-home (about 9.0 points below 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 $135,400 — about 61% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 95.3% (about 29.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 48635 in Lupton, MI, a household would need roughly $37,000 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 $870. That sits below the local median household income ($59,861), 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 Lupton CDP, MI as Very Low (composite score 37.0), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (61.4) and flood (43.1). 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 Lupton CDP, MI show little to no average snow and around 33.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 60 for ZIP 48635 (Lupton 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.