48813 ZIP Code — Charlotte, MI

Eaton County, Michigan

ZIP code 48813 is located in Charlotte, Michigan, within Eaton County. It covers approximately 168.05 square miles and serves a population of 20,165 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 517.

About ZIP code 48813

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 $168,700. Owner-occupancy is high at 81%, well above the national average.

Median household income is $77,111. 37% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. The average commute of 24 minutes is near the national average.

College attainment at 20% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (20%) compared to national benchmarks.

Overall, ZIP code 48813 reflects a community defined by high homeownership and a significant Social Security-dependent population.

20,165

population

168.05

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

48813 ZIP code map

Cities in ZIP code 48813

Below are the cities the US Postal Service accepts for ZIP code 48813. Using any city not on this list may result in mail delivery delays.

City	Status
Charlotte	Preferred

Nearby ZIP codes

48876 Potterville (6.7 mi) 48827 Eaton Rapids (8.6 mi) 48821 Dimondale (9.9 mi) 49096 Vermontville (10.5 mi) 48861 Mulliken (12.5 mi) 49076 Olivet (12.5 mi) 48837 Grand Ledge (12.8 mi) 49284 Springport (13.9 mi) 48917 Lansing (14.2 mi) 48842 Holt (14.9 mi) 48911 Lansing (15.4 mi) 49264 Onondaga (15.5 mi)

Demographics updated 06/2026

Population
Total population	20,165
Population density	120 / sq mi
State FIPS	26
County FIPS	045

Geography
Land area	168.05 sq mi
Water area	0.53 sq mi
Latitude	42.5669
Longitude	-84.8190
Timezone	Eastern (ET)
Area code	517

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	35.5%	35.0%	42.6%
$50k – $100k	39.5%	38.1%	31.1%
$100k – $200k	21.6%	22.8%	20.6%
Over $200k	3.5%	4.1%	5.7%

Demographics & statistics

20,165

Population

120

People per sq mi

41.4

Median age

$77,111

Median household income

$35,036

Per capita income

$168,700

Median home value

$865

Median monthly rent

80.5%

Home ownership

7.8%

Poverty rate

4.4%

Unemployment

6,656

Housing units

20.0%

Bachelor's or higher

Age distribution

Male Female

464

Under 5

441

514

5–9

487

684

10–14

649

843

15–19

800

610

20–24

579

1,248

25–34

1,185

1,289

35–44

1,222

1,380

45–54

1,309

793

55–59

752

792

60–64

751

973

65–74

923

523

75–84

497

235

85+

222

← Male

Female →

Age summary

Group	Count	%
Under 18	4,401	21.8%
18 and over	15,764	78.2%
65 and over	3,373	16.7%
Median age	41.4 years

Race & ethnicity

White 86.9%

Two or more races 5.9%

Hispanic or Latino 4.1%

Black or African American 1.5%

Asian 0.8%

Other race 0.6%

American Indian / Alaska Native 0.3%

Group	Count	%
White	18,267	86.9%
Two or more races	1,242	5.9%
Hispanic or Latino	858	4.1%
Black or African American	315	1.5%
Asian	159	0.8%
Other race	128	0.6%
American Indian / Alaska Native	54	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	35.5%	35.0%	42.6%
$50k – $100k	39.5%	38.1%	31.1%
$100k – $200k	21.6%	22.8%	20.6%
Over $200k	3.5%	4.1%	5.7%

Under $10k 3.4%

$10k–$15k 1.9%

$15k–$25k 5.6%

$25k–$35k 5.2%

$35k–$50k 13.7%

$50k–$75k 17.7%

$75k–$100k 17.7%

$100k–$150k 20.8%

$150k–$200k 8.6%

$200k+ 5.3%

Range	% of households
Under $10k	3.4%
$10k–$15k	1.9%
$15k–$25k	5.6%
$25k–$35k	5.2%
$35k–$50k	13.7%
$50k–$75k	17.7%
$75k–$100k	17.7%
$100k–$150k	20.8%
$150k–$200k	8.6%
$200k+	5.3%
Median income	$77,111

Housing

Home values

Under $50k 7.5%

$50k–$100k 10.4%

$100k–$150k 20.7%

$150k–$200k 22.5%

$200k–$300k 25.8%

$300k–$500k 9.5%

$500k–$1M 3.2%

$1M+ 0.4%

Housing overview

Metric	Value
Median home value	$168,700
Median rent / month	$865
Owner occupied	80.5%
Renter occupied	19.5%
Vacant	7.3%
Single-family detached	78.6%
Large apartment buildings	2.6%
Mobile homes	3.7%
Median rooms	6.2
Avg household size (owned)	2.71

Year built

Era	%
2020 or later	0.2%
2010–2019	2.7%
2000–2009	13.7%
1990–1999	12.9%
1980–1989	9.3%
1970–1979	15.7%
1960–1969	8.2%
1950–1959	5.9%
1940–1949	3.8%
1939 or earlier	27.4%

Bedrooms

Size	% of units
No bedroom (studio)	2.9%
1 bedroom	7.2%
2 bedrooms	21.1%
3 bedrooms	47.0%
4 bedrooms	16.8%
5+ bedrooms	5.0%

Vehicles per household

Vehicles	% of households
No vehicle	4.7%
1 vehicle	29.8%
2 vehicles	39.6%
3 or more	25.9%

Heating fuel

Fuel type	%
Utility gas	52.8%
Electricity	10.7%
Propane / LP gas	22.9%
Fuel oil	4.6%
Wood	8.0%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	4,041	53.7%
Cohabiting couple	718	9.5%
Male householder, no spouse	1,316	17.5%
Female householder, no spouse	1,456	19.3%
Households with children under 18	2,239	29.7%
Households with seniors (65+)	2,338	31.0%
Average household size	2.61

Marital status

Status	Male	Female
Never married	31.0%	27.7%
Married	50.3%	51.1%
Separated	0.7%	0.9%
Widowed	1.9%	8.9%
Divorced	16.0%	11.4%

Education

Less than 9th grade 2.1%

Some HS, no diploma 4.2%

HS graduate 35.3%

Some college, no degree 27.9%

Associate's degree 10.5%

Bachelor's degree 13.2%

Graduate / professional 6.7%

Metric	%
HS diploma or higher	93.7%
Bachelor's or higher	20.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	346	7.9%
Kindergarten	165	3.8%
Elementary school	1,699	39.0%
High school	1,507	34.6%
College / grad school	636	14.6%

Employment

Industry of employment

Manufacturing 22.2%

Education & healthcare 18.4%

Retail trade 11.1%

Professional & management 7.8%

Arts, food & hospitality 7.3%

Public administration 6.7%

Transportation & utilities 6.0%

Finance & real estate 5.7%

Construction 5.3%

Other services 4.9%

Wholesale trade 2.6%

Agriculture & mining 1.7%

Information 0.3%

Occupation

Category	%
Management, business & arts	28.8%
Service	18.2%
Sales & office	19.1%
Natural resources & construction	8.4%
Production & transportation	25.5%

Employment type

Type	%
Private sector	81.0%
Government	14.5%
Self-employed	4.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	78.2%
Carpool	10.0%
Public transit	0.1%
Walk	2.0%
Work from home	7.9%
Other means	1.8%
Avg commute (minutes)	23.5

Poverty

All people 7.8%

Under 18 years 9.4%

18 and over 7.3%

Married-couple families 2.6%

Female-led households 13.8%

Income support

Source	% of households
Social Security	36.8%
Retirement income	32.6%
Supplemental Security	6.0%
Cash public assistance	2.8%
Food stamps / SNAP	10.6%

Health indicators

Condition	%
Obesity	37.6%
High blood pressure	34.2%
High cholesterol	35.5%
Diabetes	10.1%
Heart disease	6.5%
Stroke	3.0%
Asthma	10.8%
Arthritis	29.4%
Kidney disease	2.8%
Pulmonary disease	7.7%
Cancer	6.9%

Behavior / access	%
Smoking	20.2%
Binge drinking	19.0%
No physical activity	20.6%
Less than 7 hrs sleep	34.1%
Depression	21.7%
Fair or poor health	13.8%
Poor mental health	16.2%
Poor physical health	10.8%
No health insurance	9.5%
Visited doctor (checkup)	72.8%
Visited dentist	71.3%
Cholesterol screening	91.2%
Teeth loss	12.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,127	7.1%

Disability	%
Any disability	16.0%
Under 18	5.3%
18–64 years	15.0%
65 and over	33.9%

Health insurance coverage

Type	%
Private insurance	75.1%
Public insurance	37.1%
No insurance	4.6%
Uninsured under 19	5.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	19,260	95.5%
Spanish	312	1.6%
Other Indo-European	179	0.9%
Asian & Pacific Islander	120	0.6%
Other languages	13	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	19,804	98.2%
Born in same state	19,747	97.9%
Born in different state	16,815	83.4%
Foreign born	57	0.3%
Naturalized citizen	361	1.8%
Not a US citizen	292	80.9%

Ancestry

Ancestry	Count	%
French	2,683	13.3%
Italian	2,410	12%
Arab	1,366	6.8%
English	716	3.6%
German	145	0.7%

Ancestry	Count	%
Polish	113	0.6%
Irish	83	0.4%
Dutch	75	0.4%
Norwegian	25	0.1%

Technology access

Metric	% of households
Computer access	37.3%
Internet access	93.7%

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

Frequently asked questions about ZIP code 48813

What city is ZIP code 48813 in?

ZIP code 48813 is primarily assigned to Charlotte, Michigan.

What county is ZIP code 48813 in?

ZIP code 48813 falls within Eaton County, Michigan.

Is ZIP code 48813 mostly owner-occupied?

81% of occupied units in ZIP code 48813 are owner-occupied, well above the national average.

Does ZIP code 48813 have a large retiree population?

37% of households in ZIP code 48813 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 48813?

The median home value in ZIP code 48813 is $168,700.

What is the population of ZIP code 48813?

ZIP code 48813 has an estimated population of 20,165 residents, with a density of 120 people per square mile.

What timezone is ZIP code 48813 in?

ZIP code 48813 observes the EST timezone.