ZIP Code 49628 — Elberta village, MI Demographics & Data

ZIP code 49628 covers Elberta, MI in Benzie County with a population of about 181.

At a glance, the area shows median age of 51.4 versus a U.S. median of about 38.9.

It sits in telephone area code 231; U.S. House district MI-1; the TRAVERSE CITY - CADILLAC media market.

Elberta, MI fits a retirement-oriented profile (high share of residents 65+ (41.4%)). 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 49628 is about $125,938 — about 68% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 1.1%; unemployment rate near 4.9%; 31.9% of adults with a bachelor’s degree or higher (about 1.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Arts and entertainment, and Education; a mean commute of about 58.0 minutes (U.S. average near 26.8).

Median home value is about $272,400 — about 22% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 96.5% (about 31.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49628 in Elberta, MI, a household would need roughly $75,000 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 $1,750. That sits below the local median household income ($125,938), 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 Elberta village, MI as Very Low (composite score 22.7), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (37.2) and wildfire (12.1). 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 Elberta village, MI show little to no average snow and around 34.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 7 for ZIP 49628 (Elberta village, 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.