48832 ZIP Code — Elwell, MI

Gratiot County, Michigan

ZIP code 48832 is located in Elwell, Michigan, within Gratiot County. It covers approximately 25.68 square miles and serves a population of 1,276 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 989.

About ZIP code 48832

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $138,500. Owner-occupancy is high at 92%, well above the national average.

Median household income is $61,974. 47% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is sales and office, with education and healthcare as the leading industry. The average commute of 22 minutes is near the national average.

College attainment at 17% 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.

Overall, ZIP code 48832 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

1,276

population

25.68

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

48832 ZIP code map

Cities in ZIP code 48832

Below are the cities the US Postal Service accepts for ZIP code 48832. Using any city not on this list may result in mail delivery delays.

City	Status
Elwell	Preferred

Nearby ZIP codes

48877 Riverdale (3.6 mi) 48801 Alma (6.3 mi) 48891 Vestaburg (6.9 mi) 48889 Sumner (8.3 mi) 48880 Saint Louis (11.1 mi) 48818 Crystal (11.1 mi) 48883 Shepherd (11.5 mi) 48829 Edmore (12.2 mi) 48859 Mount Pleasant (13.1 mi) 48847 Ithaca (13.8 mi) 48856 Middleton (14.4 mi) 48858 Mount Pleasant (14.6 mi)

Demographics updated 05/2026

Population
Total population	1,276
Population density	50 / sq mi
State FIPS	26
County FIPS	057

Geography
Land area	25.68 sq mi
Water area	0.01 sq mi
Latitude	43.4082
Longitude	-84.7764
Timezone	Eastern (ET)
Area code	989

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	37.5%	49.9%	42.6%
$50k – $100k	42.8%	33.1%	31.1%
$100k – $200k	18.0%	14.1%	20.6%
Over $200k	1.7%	2.9%	5.7%

Demographics & statistics

1,276

Population

People per sq mi

40.4

Median age

$61,974

Median household income

$28,307

Per capita income

$138,500

Median home value

$775

Median monthly rent

92.0%

Home ownership

13.1%

Poverty rate

0.9%

Unemployment

489

Housing units

17.4%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

107

35–44

45–54

55–59

60–64

65–74

115

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	291	22.8%
18 and over	985	77.2%
65 and over	307	24.1%
Median age	40.4 years

Race & ethnicity

White 94.3%

Two or more races 4.4%

Hispanic or Latino 1.2%

American Indian / Alaska Native 0.2%

Group	Count	%
White	1,217	94.3%
Two or more races	57	4.4%
Hispanic or Latino	15	1.2%
American Indian / Alaska Native	2	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	37.5%	49.9%	42.6%
$50k – $100k	42.8%	33.1%	31.1%
$100k – $200k	18.0%	14.1%	20.6%
Over $200k	1.7%	2.9%	5.7%

Under $10k 2.6%

$10k–$15k 1.2%

$15k–$25k 8.8%

$25k–$35k 18.0%

$35k–$50k 3.6%

$50k–$75k 28.4%

$75k–$100k 12.2%

$100k–$150k 15.4%

$150k–$200k 8.8%

$200k+ 1.0%

Range	% of households
Under $10k	2.6%
$10k–$15k	1.2%
$15k–$25k	8.8%
$25k–$35k	18.0%
$35k–$50k	3.6%
$50k–$75k	28.4%
$75k–$100k	12.2%
$100k–$150k	15.4%
$150k–$200k	8.8%
$200k+	1.0%
Median income	$61,974

Housing

Home values

Under $50k 17.4%

$50k–$100k 15.7%

$100k–$150k 21.7%

$150k–$200k 26.5%

$200k–$300k 10.0%

$300k–$500k 5.9%

$500k–$1M 2.8%

Housing overview

Metric	Value
Median home value	$138,500
Median rent / month	$775
Owner occupied	92.0%
Renter occupied	8.0%
Vacant	5.5%
Single-family detached	80.9%
Large apartment buildings	0.0%
Mobile homes	19.1%
Median rooms	5.8
Avg household size (owned)	2.53

Year built

Era	%
2020 or later	0.0%
2010–2019	3.6%
2000–2009	6.0%
1990–1999	18.5%
1980–1989	10.4%
1970–1979	11.9%
1960–1969	13.8%
1950–1959	10.6%
1940–1949	10.2%
1939 or earlier	14.9%

Bedrooms

Size	% of units
No bedroom (studio)	2.6%
1 bedroom	0.0%
2 bedrooms	30.8%
3 bedrooms	44.8%
4 bedrooms	19.7%
5+ bedrooms	2.1%

Vehicles per household

Vehicles	% of households
No vehicle	1.2%
1 vehicle	28.6%
2 vehicles	42.2%
3 or more	28.0%

Heating fuel

Fuel type	%
Utility gas	47.2%
Electricity	1.6%
Propane / LP gas	40.6%
Wood	9.2%

Households & families

Household type	Count	%
Married-couple family	297	59.4%
Cohabiting couple	68	13.6%
Male householder, no spouse	48	9.6%
Female householder, no spouse	87	17.4%
Households with children under 18	184	36.8%
Households with seniors (65+)	200	40.0%
Average household size	2.55

Marital status

Status	Male	Female
Never married	26.5%	19.4%
Married	58.9%	54.8%
Separated	2.0%	2.2%
Widowed	1.4%	12.1%
Divorced	11.2%	11.5%

Education

Less than 9th grade 0.0%

Some HS, no diploma 3.9%

HS graduate 46.4%

Some college, no degree 25.3%

Associate's degree 6.9%

Bachelor's degree 14.3%

Graduate / professional 3.1%

Metric	%
HS diploma or higher	96.1%
Bachelor's or higher	17.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	25	9.4%
Kindergarten	26	9.8%
Elementary school	126	47.5%
High school	50	18.9%
College / grad school	38	14.3%

Employment

Industry of employment

Education & healthcare 20.8%

Manufacturing 13.0%

Retail trade 12.5%

Construction 10.3%

Professional & management 8.9%

Arts, food & hospitality 7.1%

Finance & real estate 6.9%

Public administration 6.9%

Transportation & utilities 4.5%

Other services 3.4%

Wholesale trade 2.5%

Information 2.4%

Agriculture & mining 0.7%

Occupation

Category	%
Management, business & arts	20.1%
Service	14.9%
Sales & office	27.2%
Natural resources & construction	11.6%
Production & transportation	26.3%

Employment type

Type	%
Private sector	83.7%
Government	12.3%
Self-employed	4.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	85.8%
Carpool	6.6%
Public transit	0.0%
Walk	2.4%
Work from home	5.2%
Other means	0.0%
Avg commute (minutes)	22.0

Poverty

All people 13.1%

Under 18 years 25.3%

18 and over 9.6%

Married-couple families 6.1%

Female-led households 40.8%

Income support

Source	% of households
Social Security	46.6%
Retirement income	30.2%
Supplemental Security	3.6%
Cash public assistance	0.0%
Food stamps / SNAP	9.2%

Health indicators

Condition	%
Obesity	39.6%
High blood pressure	37.0%
High cholesterol	36.3%
Diabetes	12.3%
Heart disease	8.0%
Stroke	3.7%
Asthma	11.2%
Arthritis	32.8%
Kidney disease	3.3%
Pulmonary disease	9.7%
Cancer	7.5%

Behavior / access	%
Smoking	23.5%
Binge drinking	18.7%
No physical activity	23.8%
Less than 7 hrs sleep	31.9%
Depression	23.3%
Fair or poor health	17.2%
Poor mental health	16.8%
Poor physical health	12.7%
No health insurance	10.5%
Visited doctor (checkup)	74.1%
Visited dentist	63.2%
Cholesterol screening	90.9%
Teeth loss	14.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	60	6.1%

Disability	%
Any disability	15.1%
Under 18	5.2%
18–64 years	9.1%
65 and over	37.8%

Health insurance coverage

Type	%
Private insurance	66.5%
Public insurance	52.6%
No insurance	6.8%
Uninsured under 19	4.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,195	93.7%
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)	1,276	100.0%
Born in same state	1,276	100.0%
Born in different state	1,181	92.6%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Italian	147	11.5%
French	146	11.4%
Arab	102	8%

Ancestry	Count	%
English	35	2.7%
Dutch	21	1.6%
German	10	0.8%

Technology access

Metric	% of households
Computer access	39.2%
Internet access	96.6%

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

Frequently asked questions about ZIP code 48832

What city is ZIP code 48832 in?

ZIP code 48832 is primarily assigned to Elwell, Michigan.

What county is ZIP code 48832 in?

ZIP code 48832 falls within Gratiot County, Michigan.

Is ZIP code 48832 mostly owner-occupied?

92% of occupied units in ZIP code 48832 are owner-occupied, well above the national average.

Does ZIP code 48832 have a large retiree population?

47% of households in ZIP code 48832 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 48832?

The median home value in ZIP code 48832 is $138,500.

What is the population of ZIP code 48832?

ZIP code 48832 has an estimated population of 1,276 residents, with a density of 50 people per square mile.

What timezone is ZIP code 48832 in?

ZIP code 48832 observes the EST timezone.