48464 ZIP Code — Otter Lake, MI

Lapeer County, Michigan

ZIP code 48464 is located in Otter Lake, Michigan, within Lapeer County. It covers approximately 17.03 square miles and serves a population of 1,999 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 810.

About ZIP code 48464

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $158,800. Owner-occupancy is high at 93%, well above the national average.

Median household income is $59,205. 53% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is sales and office, with manufacturing as the leading industry. An above-average commute of 41 minutes suggests many residents work outside the immediate area.

College attainment at 15% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (24%) compared to national benchmarks.

Notable community characteristics include a notable veteran presence at 14% of civilians, above the national average of 7%.

Overall, ZIP code 48464 reflects a community defined by a trades-oriented workforce, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

1,999

population

17.03

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

48464 ZIP code map

Cities in ZIP code 48464

Below are the cities the US Postal Service accepts for ZIP code 48464. Using any city not on this list may result in mail delivery delays.

City	Status
Otter Lake	Preferred

Nearby ZIP codes

48435 Fostoria (4 mi) 48421 Columbiaville (4.6 mi) 48463 Otisville (6.9 mi) 48746 Millington (8.6 mi) 48461 North Branch (9.5 mi) 48760 Silverwood (9.6 mi) 48744 Mayville (10.1 mi) 48446 Lapeer (11.6 mi) 48423 Davison (13 mi) 48768 Vassar (13.2 mi) 48506 Flint (14.7 mi) 48458 Mount Morris (15.1 mi)

Demographics updated 06/2026

Population
Total population	1,999
Population density	117 / sq mi
State FIPS	26
County FIPS	087

Geography
Land area	17.03 sq mi
Water area	0.50 sq mi
Latitude	43.2109
Longitude	-83.4106
Timezone	Eastern (ET)
Area code	810

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.1%	37.7%	42.6%
$50k – $100k	41.3%	36.9%	31.1%
$100k – $200k	13.4%	21.6%	20.6%
Over $200k	1.1%	3.8%	5.7%

Demographics & statistics

1,999

Population

117

People per sq mi

55.2

Median age

$59,205

Median household income

$34,881

Per capita income

$158,800

Median home value

$1,188

Median monthly rent

92.9%

Home ownership

9.8%

Poverty rate

6.9%

Unemployment

1,066

Housing units

15.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

155

45–54

129

128

55–59

107

103

60–64

173

65–74

145

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	271	13.6%
18 and over	1,728	86.4%
65 and over	586	29.3%
Median age	55.2 years

Race & ethnicity

White 94.2%

Two or more races 3.4%

Asian 1.4%

Hispanic or Latino 0.4%

American Indian / Alaska Native 0.3%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	1,892	94.2%
Two or more races	68	3.4%
Asian	29	1.4%
Hispanic or Latino	9	0.4%
American Indian / Alaska Native	7	0.3%
Native Hawaiian / Pacific Islander	2	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.1%	37.7%	42.6%
$50k – $100k	41.3%	36.9%	31.1%
$100k – $200k	13.4%	21.6%	20.6%
Over $200k	1.1%	3.8%	5.7%

Under $10k 4.3%

$10k–$15k 1.5%

$15k–$25k 7.3%

$25k–$35k 14.4%

$35k–$50k 15.6%

$50k–$75k 19.3%

$75k–$100k 13.1%

$100k–$150k 14.5%

$150k–$200k 4.8%

$200k+ 5.1%

Range	% of households
Under $10k	4.3%
$10k–$15k	1.5%
$15k–$25k	7.3%
$25k–$35k	14.4%
$35k–$50k	15.6%
$50k–$75k	19.3%
$75k–$100k	13.1%
$100k–$150k	14.5%
$150k–$200k	4.8%
$200k+	5.1%
Median income	$59,205

Housing

Home values

Under $50k 8.2%

$50k–$100k 13.4%

$100k–$150k 25.9%

$150k–$200k 10.9%

$200k–$300k 29.7%

$300k–$500k 9.8%

$500k–$1M 2.0%

Housing overview

Metric	Value
Median home value	$158,800
Median rent / month	$1,188
Owner occupied	92.9%
Renter occupied	7.1%
Vacant	22.3%
Single-family detached	84.9%
Large apartment buildings	0.0%
Mobile homes	4.3%
Median rooms	5.9
Avg household size (owned)	2.28

Year built

Era	%
2020 or later	0.0%
2010–2019	1.2%
2000–2009	9.0%
1990–1999	15.2%
1980–1989	8.7%
1970–1979	10.9%
1960–1969	11.6%
1950–1959	8.3%
1940–1949	6.9%
1939 or earlier	28.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	2.7%
2 bedrooms	27.0%
3 bedrooms	52.9%
4 bedrooms	10.2%
5+ bedrooms	7.2%

Vehicles per household

Vehicles	% of households
No vehicle	1.5%
1 vehicle	30.8%
2 vehicles	36.9%
3 or more	30.8%

Heating fuel

Fuel type	%
Utility gas	48.2%
Electricity	5.3%
Propane / LP gas	30.8%
Fuel oil	4.2%
Wood	11.0%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	504	57.5%
Cohabiting couple	22	2.5%
Male householder, no spouse	189	21.6%
Female householder, no spouse	161	18.4%
Households with children under 18	200	22.8%
Households with seniors (65+)	412	47.0%
Average household size	2.28

Marital status

Status	Male	Female
Never married	24.6%	11.2%
Married	54.6%	63.1%
Separated	0.3%	1.1%
Widowed	7.5%	14.2%
Divorced	13.0%	10.3%

Education

Less than 9th grade 2.5%

Some HS, no diploma 10.0%

HS graduate 41.7%

Some college, no degree 21.5%

Associate's degree 9.0%

Bachelor's degree 10.5%

Graduate / professional 4.7%

Metric	%
HS diploma or higher	87.4%
Bachelor's or higher	15.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	5	1.6%
Kindergarten	18	5.9%
Elementary school	140	46.1%
High school	88	28.9%
College / grad school	53	17.4%

Employment

Industry of employment

Manufacturing 25.2%

Retail trade 16.0%

Construction 15.5%

Other services 9.6%

Education & healthcare 8.2%

Professional & management 5.9%

Finance & real estate 5.3%

Public administration 4.1%

Transportation & utilities 3.9%

Arts, food & hospitality 3.5%

Wholesale trade 1.9%

Agriculture & mining 0.6%

Information 0.3%

Occupation

Category	%
Management, business & arts	27.0%
Service	11.2%
Sales & office	27.6%
Natural resources & construction	14.5%
Production & transportation	19.8%

Employment type

Type	%
Private sector	85.2%
Government	12.2%
Self-employed	2.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	72.7%
Carpool	16.4%
Public transit	1.3%
Walk	2.7%
Work from home	6.7%
Other means	0.1%
Avg commute (minutes)	41.0

Poverty

All people 9.8%

Under 18 years 15.0%

18 and over 9.0%

Married-couple families 3.8%

Female-led households 11.8%

Income support

Source	% of households
Social Security	53.2%
Retirement income	42.9%
Supplemental Security	9.1%
Cash public assistance	2.6%
Food stamps / SNAP	13.6%

Health indicators

Condition	%
Obesity	40.0%
High blood pressure	35.4%
High cholesterol	35.5%
Diabetes	11.7%
Heart disease	7.3%
Stroke	3.4%
Asthma	11.3%
Arthritis	30.9%
Kidney disease	3.1%
Pulmonary disease	9.2%
Cancer	6.7%

Behavior / access	%
Smoking	23.7%
Binge drinking	19.5%
No physical activity	25.0%
Less than 7 hrs sleep	35.7%
Depression	23.4%
Fair or poor health	16.9%
Poor mental health	17.8%
Poor physical health	12.6%
No health insurance	10.9%
Visited doctor (checkup)	73.1%
Visited dentist	65.9%
Cholesterol screening	90.2%
Teeth loss	14.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	239	13.8%

Disability	%
Any disability	21.4%
Under 18	4.1%
18–64 years	15.0%
65 and over	41.8%

Health insurance coverage

Type	%
Private insurance	73.0%
Public insurance	52.5%
No insurance	4.3%
Uninsured under 19	8.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,947	97.4%
Spanish	15	0.8%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	15	0.8%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,959	98.0%
Born in same state	1,928	96.4%
Born in different state	1,625	81.3%
Foreign born	31	1.6%
Naturalized citizen	40	2.0%
Not a US citizen	29	72.5%

Ancestry

Ancestry	Count	%
Italian	447	22.4%
French	383	19.2%
Arab	119	6%
German	51	2.6%

Ancestry	Count	%
English	37	1.9%
Polish	24	1.2%
Irish	16	0.8%
Dutch	2	0.1%

Technology access

Metric	% of households
Computer access	43.8%
Internet access	86.4%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 48464

What city is ZIP code 48464 in?

ZIP code 48464 is primarily assigned to Otter Lake, Michigan.

What county is ZIP code 48464 in?

ZIP code 48464 falls within Lapeer County, Michigan.

Does ZIP code 48464 have an older population?

29% of residents in ZIP code 48464 are 65 or older, above the national average of ~17%.

Is ZIP code 48464 mostly owner-occupied?

93% of occupied units in ZIP code 48464 are owner-occupied, well above the national average.

Does ZIP code 48464 have a large retiree population?

53% of households in ZIP code 48464 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 48464 have a large veteran population?

14% of civilians in ZIP code 48464 are veterans, above the national average of ~7%.

What timezone is ZIP code 48464 in?

ZIP code 48464 observes the EST timezone.