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Michigan ZIP Codes
Benzie County
Elberta, MI
49628
49628 ZIP Code — Elberta, MI
Benzie County, Michigan
ZIP code 49628 is located in
Elberta ,
Michigan ,
within Benzie County .
It covers approximately 0.75 square miles and serves a population of
225 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 231 .
About ZIP code 49628
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 $227,600. Owner-occupancy is high at 93%, well above the national average.
The gap between median ($84,500) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 4% is below the national average. 69% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is service, with education and healthcare as the leading industry. The average commute of 12 minutes is near the national average.
Educational attainment is near the national average, with 30% of residents holding a bachelor's degree or higher.
20% of residents lack health insurance, above the national average.
Overall, ZIP code 49628 reflects a community defined by high homeownership and a significant Social Security-dependent population.
49628 ZIP code map
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Cities in ZIP code 49628
Below are the cities the US Postal Service accepts for ZIP code 49628. Using any city not on this list may result in mail delivery delays.
Demographics
updated 05/2026
Population
Total population
225
Population density
300 / sq mi
State FIPS
26
County FIPS
019
Geography
Land area
0.75 sq mi
Water area
1.61 sq mi
Latitude
44.6184
Longitude
-86.2268
Timezone
Eastern (ET)
Area code
231
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
36.2%
40.5%
42.6%
$50k – $100k
37.7%
37.4%
31.1%
$100k – $200k
26.1%
18.5%
20.6%
Over $200k
0.0%
3.6%
5.7%
Demographics & statistics
$84,500
Median household income
$227,600
Median home value
29.8%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 31 13.8% 18 and over 194 86.2% 65 and over 77 34.2% Median age 43.7 years
Race & ethnicity
American Indian / Alaska Native
19.1%
Group Count % White 182 80.9% American Indian / Alaska Native 43 19.1%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
36.2%
40.5%
42.6%
$50k – $100k
37.7%
37.4%
31.1%
$100k – $200k
26.1%
18.5%
20.6%
Over $200k
0.0%
3.6%
5.7%
Range % of households $10k–$15k 6.9% $15k–$25k 8.3% $35k–$50k 8.3% $50k–$75k 13.9% $75k–$100k 13.9% $100k–$150k 15.3% $150k–$200k 9.7% $200k+ 23.6% Median income $84,500
Housing
Housing overview
Metric Value Median home value $227,600 Median rent / month $0 Owner occupied 93.1% Renter occupied 6.9% Vacant 60.4% Single-family detached 89.0% Large apartment buildings 0.0% Mobile homes 4.9% Median rooms 4.9 Avg household size (owned) 3.07
Year built
Era % 2020 or later 0.0% 2010–2019 2.2% 2000–2009 0.0% 1990–1999 1.6% 1980–1989 5.5% 1970–1979 2.7% 1960–1969 8.8% 1950–1959 12.6% 1940–1949 20.9% 1939 or earlier 45.6%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 19.2% 2 bedrooms 27.5% 3 bedrooms 25.8% 4 bedrooms 24.7% 5+ bedrooms 2.7%
Vehicles per household
Vehicles % of households No vehicle 0.0% 1 vehicle 12.5% 2 vehicles 70.8% 3 or more 16.7%
Heating fuel
Fuel type % Utility gas 88.9% Propane / LP gas 11.1%
Households & families
Household type Count % Married-couple family 47 65.3% Cohabiting couple 2 2.8% Male householder, no spouse 8 11.1% Female householder, no spouse 15 20.8% Households with children under 18 20 27.8% Households with seniors (65+) 43 59.7% Average household size 3.13
Marital status
Status Male Female Never married 47.1% 4.9% Married 50.4% 76.5% Separated 0.0% 0.0% Widowed 2.5% 4.9% Divorced 0.0% 13.6%
Education
Some college, no degree
31.4%
Graduate / professional
17.0%
Metric % HS diploma or higher 96.3% Bachelor's or higher 29.8%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 3 7.7% Kindergarten 0 0.0% Elementary school 10 25.6% High school 9 23.1% College / grad school 17 43.6%
Employment
Industry of employment
Education & healthcare
43.1%
Arts, food & hospitality
20.8%
Public administration
9.7%
Finance & real estate
4.2%
Occupation
Category % Management, business & arts 34.7% Service 41.7% Sales & office 4.2% Natural resources & construction 6.9% Production & transportation 12.5%
Employment type
Type % Private sector 90.3% Government 9.7% Self-employed 0.0% Unpaid family workers 0.0%
Commute
Method % Drive alone 88.4% Carpool 11.6% Public transit 0.0% Walk 0.0% Work from home 0.0% Other means 0.0% Avg commute (minutes) 12.3
Poverty
Married-couple families
0.0%
Female-led households
40.0%
Income support
Source % of households Social Security 69.4% Retirement income 43.1% Supplemental Security 4.2% Cash public assistance 0.0% Food stamps / SNAP 0.0%
Health indicators
Condition % Obesity 38.1% High blood pressure 37.4% High cholesterol 37.6% Diabetes 12.7% Heart disease 8.2% Stroke 3.6% Asthma 10.7% Arthritis 33.7% Kidney disease 3.4% Pulmonary disease 9.0% Cancer 8.3%
Behavior / access % Smoking 19.8% Binge drinking 17.5% No physical activity 22.2% Less than 7 hrs sleep 33.0% Depression 21.4% Fair or poor health 15.9% Poor mental health 15.2% Poor physical health 11.9% No health insurance 9.4% Visited doctor (checkup) 76.4% Visited dentist 69.0% Cholesterol screening 92.3% Teeth loss 12.7%
Veterans & disability
Veterans Count % Civilian veterans 16 8.2%
Disability % Any disability 11.6% Under 18 0.0% 18–64 years 8.5% 65 and over 20.8%
Health insurance coverage
Type % Private insurance 64.9% Public insurance 41.8% No insurance 20.0% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 219 97.3% Spanish 0 0.0% Other Indo-European 0 0.0% Asian & Pacific Islander 0 0.0% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 225 100.0% Born in same state 218 96.9% Born in different state 150 66.7% Foreign born 7 3.1% Naturalized citizen 0 0.0% Not a US citizen 0 0.0%
Ancestry
Ancestry Count % Italian 22 9.8% Polish 13 5.8%
Ancestry Count % French 13 5.8%
Technology access
Metric % of households Computer access 32.0% Internet access 95.8%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 49628
What city is ZIP code 49628 in?
ZIP code 49628 is primarily assigned to Elberta, Michigan.
What county is ZIP code 49628 in?
ZIP code 49628 falls within Benzie County, Michigan.
Does ZIP code 49628 have a large retiree population?
69% of households in ZIP code 49628 receive Social Security income, suggesting a significant retiree or disability population.
Does ZIP code 49628 have an older population?
34% of residents in ZIP code 49628 are 65 or older, above the national average of ~17%.
Is ZIP code 49628 mostly owner-occupied?
93% of occupied units in ZIP code 49628 are owner-occupied, well above the national average.
What is the population of ZIP code 49628?
ZIP code 49628 has an estimated population of 225 residents, with a density of 300 people per square mile.
What timezone is ZIP code 49628 in?
ZIP code 49628 observes the EST timezone.
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