ZIP Code 48653 — Roscommon village, MI Demographics & Data

ZIP code 48653 covers Roscommon, MI in Roscommon County with a population of about 9,638.

At a glance, the area shows median age of 57.5 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.

Roscommon, 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 48653 is about $67,708 — about 10% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.4%; unemployment rate near 4.7%; 26.6% of adults with a bachelor’s degree or higher (about 7.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Public administration; about 9.1% of workers reporting work-from-home (about 6.1 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 $161,800 — about 54% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $529 (about 55% below the U.S. median rent ($1,163)), and owner-occupancy near 89.8% (about 24.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 48653 in Roscommon, MI, a household would need roughly $45,000 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 $1,039. That sits below the local median household income ($67,708), 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 Roscommon village, MI as Relatively Low (composite score 56.7), which is near the middle of the national distribution. The strongest component scores on US5 are flood (71.9) and wildfire (69.7). 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 Roscommon village, MI show little to no average snow and around 29.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 377 for ZIP 48653 (Roscommon village, 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.