ZIP Code 48762 — Hubbard Lake CDP, MI Demographics & Data

ZIP code 48762 covers Hubbard Lake, MI in Alcona County with a population of about 1,014.

At a glance, the area shows median age of 59.5 versus a U.S. median of about 38.9.

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

Hubbard Lake, 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 48762 is about $67,955 — about 10% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.0%; unemployment rate near 3.1%; 23.2% of adults with a bachelor’s degree or higher (about 10.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; about 7.2% of workers reporting work-from-home (about 8.0 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 $198,900 — about 43% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 96.0% (about 30.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 48762 in Hubbard Lake, MI, a household would need roughly $55,000 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 $1,278. That sits below the local median household income ($67,955), 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 Hubbard Lake CDP, MI as Very Low (composite score 17.7), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (41.3) and wildfire (41.3). 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 Hubbard Lake CDP, MI show little to no average snow and around 29.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 40 for ZIP 48762 (Hubbard Lake 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.