48831 ZIP Code — Elsie, MI

Clinton County, Michigan

ZIP code 48831 is located in Elsie, Michigan, within Clinton County. It covers approximately 72.95 square miles and serves a population of 3,307 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 989.

About ZIP code 48831

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 $147,700. Owner-occupancy is high at 89%, well above the national average.

Median household income is $60,395. 37% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 31 minutes is near the national average.

College attainment at 16% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (22%) compared to national benchmarks.

Overall, ZIP code 48831 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

3,307

population

72.95

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

48831 ZIP code map

Cities in ZIP code 48831

Below are the cities the US Postal Service accepts for ZIP code 48831. Using any city not on this list may result in mail delivery delays.

City	Status
Elsie	Acceptable
Elsie	Preferred

Nearby ZIP codes

48807 Bannister (5.4 mi) 48866 Ovid (6.7 mi) 48841 Henderson (7.3 mi) 48841 Henderson (7.3 mi) 48806 Ashley (8.9 mi) 48649 Oakley (9.9 mi) 48879 Saint Johns (11.8 mi) 48867 Owosso (12 mi) 48848 Laingsburg (14.7 mi) 48616 Chesaning (14.8 mi) 48847 Ithaca (16.3 mi) 48871 Perrinton (16.5 mi)

Demographics updated 06/2026

Population
Total population	3,307
Population density	45 / sq mi
State FIPS	26
County FIPS	037

Geography
Land area	72.95 sq mi
Water area	0.24 sq mi
Latitude	43.0852
Longitude	-84.3798
Timezone	Eastern (ET)
Area code	989

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	47.5%	38.9%	42.6%
$50k – $100k	36.2%	33.9%	31.1%
$100k – $200k	15.3%	22.1%	20.6%
Over $200k	1.0%	5.1%	5.7%

Demographics & statistics

3,307

Population

People per sq mi

43.9

Median age

$60,395

Median household income

$35,452

Per capita income

$147,700

Median home value

$776

Median monthly rent

88.8%

Home ownership

10.6%

Poverty rate

9.9%

Unemployment

1,348

Housing units

15.8%

Bachelor's or higher

Age distribution

Male Female

Under 5

112

5–9

102

10–14

119

15–19

109

20–24

168

25–34

153

290

35–44

264

240

45–54

218

134

55–59

123

160

60–64

145

140

65–74

127

112

75–84

102

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	644	19.5%
18 and over	2,663	80.5%
65 and over	598	18.1%
Median age	43.9 years

Race & ethnicity

White 93.6%

Two or more races 2.3%

Black or African American 1.8%

Hispanic or Latino 1.8%

Other race 0.3%

Asian 0.1%

American Indian / Alaska Native 0.1%

Group	Count	%
White	3,153	93.6%
Two or more races	76	2.3%
Black or African American	61	1.8%
Hispanic or Latino	60	1.8%
Other race	9	0.3%
Asian	5	0.1%
American Indian / Alaska Native	3	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	47.5%	38.9%	42.6%
$50k – $100k	36.2%	33.9%	31.1%
$100k – $200k	15.3%	22.1%	20.6%
Over $200k	1.0%	5.1%	5.7%

Under $10k 4.3%

$10k–$15k 3.0%

$15k–$25k 8.3%

$25k–$35k 6.9%

$35k–$50k 10.3%

$50k–$75k 26.7%

$75k–$100k 12.9%

$100k–$150k 18.8%

$150k–$200k 7.3%

$200k+ 1.5%

Range	% of households
Under $10k	4.3%
$10k–$15k	3.0%
$15k–$25k	8.3%
$25k–$35k	6.9%
$35k–$50k	10.3%
$50k–$75k	26.7%
$75k–$100k	12.9%
$100k–$150k	18.8%
$150k–$200k	7.3%
$200k+	1.5%
Median income	$60,395

Housing

Home values

Under $50k 9.2%

$50k–$100k 20.0%

$100k–$150k 21.7%

$150k–$200k 20.7%

$200k–$300k 16.1%

$300k–$500k 11.0%

$500k–$1M 1.0%

$1M+ 0.2%

Housing overview

Metric	Value
Median home value	$147,700
Median rent / month	$776
Owner occupied	88.8%
Renter occupied	11.2%
Vacant	6.4%
Single-family detached	87.8%
Large apartment buildings	0.0%
Mobile homes	6.2%
Median rooms	6.4
Avg household size (owned)	2.40

Year built

Era	%
2020 or later	0.0%
2010–2019	0.9%
2000–2009	8.2%
1990–1999	9.8%
1980–1989	5.1%
1970–1979	19.7%
1960–1969	9.2%
1950–1959	8.5%
1940–1949	4.4%
1939 or earlier	34.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	5.4%
2 bedrooms	20.5%
3 bedrooms	48.5%
4 bedrooms	19.1%
5+ bedrooms	6.4%

Vehicles per household

Vehicles	% of households
No vehicle	4.8%
1 vehicle	26.7%
2 vehicles	35.5%
3 or more	33.0%

Heating fuel

Fuel type	%
Utility gas	36.0%
Electricity	9.0%
Propane / LP gas	36.0%
Fuel oil	8.7%
Wood	8.9%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	734	52.1%
Cohabiting couple	149	10.6%
Male householder, no spouse	252	17.9%
Female householder, no spouse	275	19.5%
Households with children under 18	371	26.3%
Households with seniors (65+)	425	30.1%
Average household size	2.34

Marital status

Status	Male	Female
Never married	26.0%	19.2%
Married	53.5%	54.1%
Separated	0.2%	2.4%
Widowed	6.7%	10.0%
Divorced	13.6%	14.3%

Education

Less than 9th grade 2.8%

Some HS, no diploma 4.5%

HS graduate 39.6%

Some college, no degree 25.3%

Associate's degree 12.0%

Bachelor's degree 13.2%

Graduate / professional 2.6%

Metric	%
HS diploma or higher	92.7%
Bachelor's or higher	15.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	35	7.0%
Kindergarten	47	9.3%
Elementary school	200	39.8%
High school	171	34.0%
College / grad school	50	9.9%

Employment

Industry of employment

Education & healthcare 25.3%

Manufacturing 15.2%

Agriculture & mining 9.5%

Construction 8.5%

Retail trade 8.0%

Public administration 6.8%

Arts, food & hospitality 6.4%

Other services 4.9%

Finance & real estate 4.1%

Professional & management 4.1%

Transportation & utilities 4.0%

Wholesale trade 2.4%

Information 0.8%

Occupation

Category	%
Management, business & arts	27.5%
Service	18.7%
Sales & office	20.2%
Natural resources & construction	14.8%
Production & transportation	18.8%

Employment type

Type	%
Private sector	78.4%
Government	11.7%
Self-employed	9.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	81.2%
Carpool	7.8%
Public transit	0.0%
Walk	1.3%
Work from home	9.0%
Other means	0.7%
Avg commute (minutes)	30.7

Poverty

All people 10.6%

Under 18 years 10.7%

18 and over 10.6%

Married-couple families 3.1%

Female-led households 23.1%

Income support

Source	% of households
Social Security	37.2%
Retirement income	32.8%
Supplemental Security	5.0%
Cash public assistance	1.1%
Food stamps / SNAP	9.8%

Health indicators

Condition	%
Obesity	38.1%
High blood pressure	35.3%
High cholesterol	35.6%
Diabetes	11.8%
Heart disease	7.6%
Stroke	3.5%
Asthma	11.0%
Arthritis	32.6%
Kidney disease	3.2%
Pulmonary disease	9.0%
Cancer	7.1%

Behavior / access	%
Smoking	22.2%
Binge drinking	18.9%
No physical activity	22.8%
Less than 7 hrs sleep	33.6%
Depression	22.2%
Fair or poor health	16.2%
Poor mental health	16.6%
Poor physical health	12.1%
No health insurance	10.6%
Visited doctor (checkup)	75.3%
Visited dentist	66.8%
Cholesterol screening	90.7%
Teeth loss	14.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	143	5.4%

Disability	%
Any disability	17.7%
Under 18	5.6%
18–64 years	14.2%
65 and over	43.1%

Health insurance coverage

Type	%
Private insurance	69.8%
Public insurance	35.7%
No insurance	8.2%
Uninsured under 19	2.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,140	95.0%
Spanish	14	0.4%
Other Indo-European	10	0.3%
Asian & Pacific Islander	2	0.1%
Other languages	2	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,293	99.6%
Born in same state	3,290	99.5%
Born in different state	2,980	90.1%
Foreign born	3	0.1%
Naturalized citizen	14	0.4%
Not a US citizen	8	57.1%

Ancestry

Ancestry	Count	%
French	434	13.1%
Italian	369	11.2%
Arab	195	5.9%
English	135	4.1%
Dutch	62	1.9%

Ancestry	Count	%
German	22	0.7%
Irish	22	0.7%
Polish	2	0.1%
Norwegian	2	0.1%

Technology access

Metric	% of households
Computer access	42.6%
Internet access	88.1%

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

Frequently asked questions about ZIP code 48831

What city is ZIP code 48831 in?

ZIP code 48831 is primarily assigned to Elsie, Michigan.

What county is ZIP code 48831 in?

ZIP code 48831 falls within Clinton County, Michigan.

Is ZIP code 48831 mostly owner-occupied?

89% of occupied units in ZIP code 48831 are owner-occupied, well above the national average.

Does ZIP code 48831 have a large retiree population?

37% of households in ZIP code 48831 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 48831?

The median home value in ZIP code 48831 is $147,700.

What is the population of ZIP code 48831?

ZIP code 48831 has an estimated population of 3,307 residents, with a density of 45 people per square mile.

What timezone is ZIP code 48831 in?

ZIP code 48831 observes the EST timezone.