ZIP Code 48896 — Winn CDP, MI Demographics & Data

ZIP code 48896 covers Winn, MI in Isabella County with a population of about 218.

At a glance, the area shows median age of 34.5 versus a U.S. median of about 38.9.

It sits in telephone area code 989; U.S. House district MI-2; the FLINT - SAGINAW - BAY CITY media market.

Median household income in ZIP 48896 is about $130,909 — about 74% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.2%; unemployment rate near 0.0%.

Labor and commute patterns include leading industry context around Construction, Wholesale trade, and Finance and insurance; a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $178,700 — about 49% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 48896 in Winn, MI, a household would need roughly $49,000 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 $1,148. That sits below the local median household income ($130,909), 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 Winn CDP, MI as Relatively Low (composite score 66.1), which is near the middle of the national distribution. The strongest component scores on US5 are flood (71.5) and hurricane (33.0). 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 Winn CDP, MI show little to no average snow and around 35.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 9 for ZIP 48896 (Winn 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.