ZIP Code 48647 — Mio CDP, MI Demographics & Data

ZIP code 48647 covers Mio, MI in Oscoda County with a population of about 4,044.

At a glance, the area shows median age of 41.9 versus a U.S. median of about 38.9.

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

Median household income in ZIP 48647 is about $50,594 — about 33% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.1%; unemployment rate near 10.6%; 14.4% of adults with a bachelor’s degree or higher (about 19.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Food services, and Retail trade; about 12.9% of workers reporting work-from-home (about 2.3 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 $122,800 — about 65% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $482 (about 59% below the U.S. median rent ($1,163)), and owner-occupancy near 85.2% (about 19.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 48647 in Mio, MI, a household would need roughly $34,000 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 $789. That sits below the local median household income ($50,594), 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 Mio CDP, MI as Very Low (composite score 15.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (76.0) and flood (25.5). 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 Mio CDP, MI show little to no average snow and around 32.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 158 for ZIP 48647 (Mio 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.