ZIP Code 49261 — Napoleon CDP, MI Demographics & Data

ZIP code 49261 covers Napoleon, MI in Jackson County with a population of about 243.

At a glance, the area shows median age of 27.6 versus a U.S. median of about 38.9.

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

Median household income in ZIP 49261 is about $89,063 — about 19% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 30.0%; unemployment rate near 11.8%; 20.3% of adults with a bachelor’s degree or higher (about 13.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Manufacturing, and Administrative support; a mean commute of about 120.0 minutes (U.S. average near 26.8).

Median home value is about $218,800 — about 37% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 63.5% (about 1.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49261 in Napoleon, MI, a household would need roughly $60,000 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 $1,406. That sits below the local median household income ($89,063), 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 Napoleon CDP, MI as Relatively Low (composite score 76.5), which is elevated versus much of the country. The strongest component scores on US5 are flood (77.1) and hurricane (39.5). 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 Napoleon CDP, MI show little to no average snow and around 33.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 10 for ZIP 49261 (Napoleon 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.