49036 ZIP Code — Coldwater, MI

Branch County, Michigan

ZIP code 49036 is located in Coldwater, Michigan, within Branch County. It covers approximately 154.22 square miles and serves a population of 24,990 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 517.

About ZIP code 49036

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $145,600. Owner-occupancy sits near the national average at 75%.

Median household income is $58,498. 38% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is production, transportation, and material moving, with manufacturing as the leading industry. The average commute of 20 minutes is near the national average.

College attainment at 18% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (23%) compared to national benchmarks.

Overall, ZIP code 49036 reflects a community defined by a trades-oriented workforce and a significant Social Security-dependent population.

24,990

population

154.22

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49036 ZIP code map

Cities in ZIP code 49036

Below are the cities the US Postal Service accepts for ZIP code 49036. Using any city not on this list may result in mail delivery delays.

City	Status
Coldwater	Preferred

Nearby ZIP codes

49028 Bronson (6.3 mi) 49082 Quincy (7.9 mi) 49255 Montgomery (10.3 mi) 49094 Union City (11.2 mi) 49089 Sherwood (11.4 mi) 46776 Orland (14.1 mi) 46737 Fremont (14.2 mi) 49227 Allen (14.5 mi) 49092 Tekonsha (14.9 mi) 49030 Burr Oak (15.3 mi) 49029 Burlington (15.9 mi) 49040 Colon (16.2 mi)

Demographics updated 07/2026

Population
Total population	24,990
Population density	162 / sq mi
State FIPS	26
County FIPS	023

Geography
Land area	154.22 sq mi
Water area	7.62 sq mi
Latitude	41.9065
Longitude	-85.0430
Timezone	Eastern (ET)
Area code	517

Total population by age

Gender

Race & ethnicity

Economics updated 07/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	48.6%	47.4%	42.6%
$50k – $100k	35.2%	36.3%	31.1%
$100k – $200k	13.5%	14.0%	20.6%
Over $200k	2.7%	2.3%	5.7%

Demographics & statistics

24,990

Population

162

People per sq mi

42.9

Median age

$58,498

Median household income

$29,570

Per capita income

$145,600

Median home value

$918

Median monthly rent

74.9%

Home ownership

16.8%

Poverty rate

5.1%

Unemployment

9,261

Housing units

17.5%

Bachelor's or higher

Age distribution

Male Female

739

Under 5

675

676

5–9

617

838

10–14

765

708

15–19

647

786

20–24

718

1,594

25–34

1,455

1,425

35–44

1,302

1,543

45–54

1,409

974

55–59

889

1,088

60–64

993

1,622

65–74

1,481

846

75–84

772

224

85+

204

← Male

Female →

Age summary

Group	Count	%
Under 18	5,227	20.9%
18 and over	19,763	79.1%
65 and over	5,149	20.6%
Median age	42.9 years

Race & ethnicity

White 86.3%

Hispanic or Latino 4%

Two or more races 3.4%

Black or African American 3.1%

Other race 2.2%

Asian 0.6%

American Indian / Alaska Native 0.4%

Group	Count	%
White	22,444	86.3%
Hispanic or Latino	1,030	4%
Two or more races	887	3.4%
Black or African American	817	3.1%
Other race	567	2.2%
Asian	168	0.6%
American Indian / Alaska Native	107	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	48.6%	47.4%	42.6%
$50k – $100k	35.2%	36.3%	31.1%
$100k – $200k	13.5%	14.0%	20.6%
Over $200k	2.7%	2.3%	5.7%

Under $10k 5.7%

$10k–$15k 3.1%

$15k–$25k 10.3%

$25k–$35k 8.1%

$35k–$50k 15.0%

$50k–$75k 21.2%

$75k–$100k 12.8%

$100k–$150k 15.2%

$150k–$200k 4.5%

$200k+ 4.2%

Range	% of households
Under $10k	5.7%
$10k–$15k	3.1%
$15k–$25k	10.3%
$25k–$35k	8.1%
$35k–$50k	15.0%
$50k–$75k	21.2%
$75k–$100k	12.8%
$100k–$150k	15.2%
$150k–$200k	4.5%
$200k+	4.2%
Median income	$58,498

Housing

Home values

Under $50k 12.9%

$50k–$100k 15.8%

$100k–$150k 23.0%

$150k–$200k 15.0%

$200k–$300k 15.0%

$300k–$500k 14.4%

$500k–$1M 3.6%

$1M+ 0.3%

Housing overview

Metric	Value
Median home value	$145,600
Median rent / month	$918
Owner occupied	74.9%
Renter occupied	25.1%
Vacant	19.8%
Single-family detached	69.1%
Large apartment buildings	2.3%
Mobile homes	15.3%
Median rooms	5.8
Avg household size (owned)	2.51

Year built

Era	%
2020 or later	0.2%
2010–2019	3.6%
2000–2009	10.2%
1990–1999	13.1%
1980–1989	10.2%
1970–1979	16.1%
1960–1969	12.8%
1950–1959	8.5%
1940–1949	4.9%
1939 or earlier	20.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.7%
1 bedroom	6.8%
2 bedrooms	27.6%
3 bedrooms	46.9%
4 bedrooms	13.9%
5+ bedrooms	4.0%

Vehicles per household

Vehicles	% of households
No vehicle	5.7%
1 vehicle	33.6%
2 vehicles	43.3%
3 or more	17.4%

Heating fuel

Fuel type	%
Utility gas	69.7%
Electricity	8.1%
Propane / LP gas	14.3%
Fuel oil	2.8%
Wood	3.3%
No fuel used	0.5%

Households & families

Household type	Count	%
Married-couple family	4,432	47.7%
Cohabiting couple	816	8.8%
Male householder, no spouse	1,623	17.5%
Female householder, no spouse	2,428	26.1%
Households with children under 18	2,569	27.6%
Households with seniors (65+)	3,299	35.5%
Average household size	2.47

Marital status

Status	Male	Female
Never married	32.4%	22.8%
Married	46.2%	48.7%
Separated	1.5%	1.4%
Widowed	3.2%	9.2%
Divorced	16.7%	17.8%

Education

Less than 9th grade 5.1%

Some HS, no diploma 5.9%

HS graduate 38.2%

Some college, no degree 23.8%

Associate's degree 9.5%

Bachelor's degree 12.0%

Graduate / professional 5.5%

Metric	%
HS diploma or higher	89.0%
Bachelor's or higher	17.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	340	7.1%
Kindergarten	279	5.8%
Elementary school	2,371	49.6%
High school	1,154	24.1%
College / grad school	639	13.4%

Employment

Industry of employment

Manufacturing 24.9%

Education & healthcare 18.4%

Retail trade 10.2%

Arts, food & hospitality 9.4%

Professional & management 8.3%

Transportation & utilities 8.1%

Other services 4.3%

Construction 3.8%

Finance & real estate 3.8%

Public administration 3.8%

Wholesale trade 2.7%

Agriculture & mining 1.4%

Information 1.1%

Occupation

Category	%
Management, business & arts	26.9%
Service	16.1%
Sales & office	20.4%
Natural resources & construction	8.0%
Production & transportation	28.5%

Employment type

Type	%
Private sector	80.6%
Government	11.6%
Self-employed	7.3%
Unpaid family workers	0.6%

Commute

Method	%
Drive alone	80.4%
Carpool	10.9%
Public transit	0.3%
Walk	2.2%
Work from home	4.9%
Other means	1.2%
Avg commute (minutes)	19.5

Poverty

All people 16.8%

Under 18 years 24.7%

18 and over 14.5%

Married-couple families 8.6%

Female-led households 16.2%

Income support

Source	% of households
Social Security	37.6%
Retirement income	29.0%
Supplemental Security	4.6%
Cash public assistance	2.2%
Food stamps / SNAP	14.4%

Health indicators

Condition	%
Obesity	38.2%
High blood pressure	35.3%
High cholesterol	35.0%
Diabetes	12.1%
Heart disease	7.5%
Stroke	3.5%
Asthma	11.0%
Arthritis	31.8%
Kidney disease	3.2%
Pulmonary disease	8.9%
Cancer	6.9%

Behavior / access	%
Smoking	22.6%
Binge drinking	18.7%
No physical activity	23.0%
Less than 7 hrs sleep	35.4%
Depression	22.1%
Fair or poor health	17.0%
Poor mental health	16.6%
Poor physical health	12.1%
No health insurance	11.3%
Visited doctor (checkup)	73.0%
Visited dentist	63.0%
Cholesterol screening	90.2%
Teeth loss	15.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,431	7.2%

Disability	%
Any disability	15.3%
Under 18	5.0%
18–64 years	14.0%
65 and over	30.8%

Health insurance coverage

Type	%
Private insurance	65.1%
Public insurance	46.0%
No insurance	8.5%
Uninsured under 19	12.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	23,576	94.3%
Spanish	1,344	5.7%
Other Indo-European	481	2.0%
Asian & Pacific Islander	50	0.2%
Other languages	5	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	23,223	92.9%
Born in same state	22,770	91.1%
Born in different state	16,296	65.2%
Foreign born	453	1.8%
Naturalized citizen	1,767	7.1%
Not a US citizen	755	42.7%

Ancestry

Ancestry	Count	%
French	2,953	11.8%
Italian	2,793	11.2%
Arab	1,312	5.3%
English	709	2.8%
German	409	1.6%

Ancestry	Count	%
Polish	178	0.7%
Irish	104	0.4%
Dutch	32	0.1%
Norwegian	16	0.1%

Technology access

Metric	% of households
Computer access	37.2%
Internet access	91.7%

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

Frequently asked questions about ZIP code 49036

What city is ZIP code 49036 in?

ZIP code 49036 is primarily assigned to Coldwater, Michigan.

What county is ZIP code 49036 in?

ZIP code 49036 falls within Branch County, Michigan.

What is the poverty rate in ZIP code 49036?

17% of residents in ZIP code 49036 live below the poverty line, above the national average.

Does ZIP code 49036 have a large retiree population?

38% of households in ZIP code 49036 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 49036?

The median home value in ZIP code 49036 is $145,600.

What is the population of ZIP code 49036?

ZIP code 49036 has an estimated population of 24,990 residents, with a density of 162 people per square mile.

What timezone is ZIP code 49036 in?

ZIP code 49036 observes the EST timezone.