ZIP Code 49242 — Hillsdale city, MI Demographics & Data

ZIP code 49242 covers Hillsdale, MI in Hillsdale County with a population of about 14,768.

At a glance, the area shows median age of 39.2 (near the U.S. median).

It sits in telephone area code 517; U.S. House district MI-5; the LANSING media market.

Median household income in ZIP 49242 is about $57,813 — about 23% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.5%; unemployment rate near 4.7%; 25.3% of adults with a bachelor’s degree or higher (about 8.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Manufacturing, and Retail trade; about 7.5% of workers reporting work-from-home (about 7.7 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 $182,900 — about 47% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $585 (about 50% below the U.S. median rent ($1,163)), and owner-occupancy near 71.7% (about 6.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49242 in Hillsdale, MI, a household would need roughly $50,000 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 $1,175. That sits below the local median household income ($57,813), 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 Hillsdale city, MI as Relatively Low (composite score 50.0), which is near the middle of the national distribution. The strongest component scores on US5 are flood (56.5) and hurricane (33.2). 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 Hillsdale city, MI show little to no average snow and around 39.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 578 for ZIP 49242 (Hillsdale city, 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.