ZIP Code 48739 — undefined, MI Demographics & Data

ZIP code 48739 covers MI in Iosco County with a population of about 3,511.

At a glance, the area shows median age of 60.6 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.

MI fits a retirement-oriented profile (high share of residents 65+ (38.7%)). 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 48739 is about $47,768 — about 36% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.6%; unemployment rate near 5.5%; 19.0% of adults with a bachelor’s degree or higher (about 14.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Manufacturing, and Construction; about 11.6% of workers reporting work-from-home (about 3.6 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 $170,600 — about 51% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $532 (about 54% below the U.S. median rent ($1,163)), and owner-occupancy near 90.5% (about 25.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 48739 in MI, a household would need roughly $47,000 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 $1,096. That is roughly in line with the local median household income ($47,768). 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 Very Low (composite score 37.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (60.7) and flood (52.9). 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.

IRS migration statistics show a net inflow of about 137 for ZIP 48739 (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.