49735 ZIP Code — Gaylord, MI

Otsego County, Michigan

ZIP code 49735 is located in Gaylord, Michigan, within Otsego County. It covers approximately 248.58 square miles and serves a population of 20,570 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 989/231.

About ZIP code 49735

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $183,300. Owner-occupancy sits near the national average at 74%.

Median household income is $63,549. 41% 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 19 minutes is near the national average.

Educational attainment is near the national average, with 28% of residents holding a bachelor's degree or higher.

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

20,570

population

248.58

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49735 ZIP code map

Cities in ZIP code 49735

Below are the cities the US Postal Service accepts for ZIP code 49735. Using any city not on this list may result in mail delivery delays.

City	Status
Gaylord	Acceptable
Gaylord	Preferred

Nearby ZIP codes

49730 Elmira (11.3 mi) 49733 Frederic (13.3 mi) 49795 Vanderbilt (13.4 mi) 49751 Johannesburg (13.6 mi) 49713 Boyne Falls (17.8 mi) 49659 Mancelona (19 mi) 49738 Grayling (19.2 mi)

Demographics updated 07/2026

Population
Total population	20,570
Population density	83 / sq mi
State FIPS	26
County FIPS	137

Geography
Land area	248.58 sq mi
Water area	7.73 sq mi
Latitude	44.9912
Longitude	-84.6518
Timezone	Eastern (ET)
Area code	989/231

Total population by age

Gender

Race & ethnicity

Economics updated 07/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	46.2%	45.8%	42.6%
$50k – $100k	32.8%	34.1%	31.1%
$100k – $200k	18.7%	17.9%	20.6%
Over $200k	2.2%	2.3%	5.7%

Demographics & statistics

20,570

Population

People per sq mi

44.1

Median age

$63,549

Median household income

$34,185

Per capita income

$183,300

Median home value

$859

Median monthly rent

73.9%

Home ownership

10.5%

Poverty rate

4.2%

Unemployment

9,172

Housing units

27.6%

Bachelor's or higher

Age distribution

Male Female

515

Under 5

507

601

5–9

592

600

10–14

591

652

15–19

641

557

20–24

548

1,210

25–34

1,190

1,148

35–44

1,129

1,276

45–54

1,255

831

55–59

818

696

60–64

685

1,379

65–74

1,357

638

75–84

627

266

85+

261

← Male

Female →

Age summary

Group	Count	%
Under 18	4,213	20.5%
18 and over	16,357	79.5%
65 and over	4,528	22.0%
Median age	44.1 years

Race & ethnicity

White 93.3%

Two or more races 3.4%

Black or African American 1.1%

Hispanic or Latino 1%

Asian 0.5%

Other race 0.3%

American Indian / Alaska Native 0.3%

Group	Count	%
White	19,386	93.3%
Two or more races	712	3.4%
Black or African American	233	1.1%
Hispanic or Latino	205	1%
Asian	110	0.5%
Other race	65	0.3%
American Indian / Alaska Native	64	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	46.2%	45.8%	42.6%
$50k – $100k	32.8%	34.1%	31.1%
$100k – $200k	18.7%	17.9%	20.6%
Over $200k	2.2%	2.3%	5.7%

Under $10k 4.4%

$10k–$15k 2.4%

$15k–$25k 9.1%

$25k–$35k 10.4%

$35k–$50k 12.1%

$50k–$75k 20.3%

$75k–$100k 13.9%

$100k–$150k 16.2%

$150k–$200k 7.1%

$200k+ 4.1%

Range	% of households
Under $10k	4.4%
$10k–$15k	2.4%
$15k–$25k	9.1%
$25k–$35k	10.4%
$35k–$50k	12.1%
$50k–$75k	20.3%
$75k–$100k	13.9%
$100k–$150k	16.2%
$150k–$200k	7.1%
$200k+	4.1%
Median income	$63,549

Housing

Home values

Under $50k 5.7%

$50k–$100k 9.7%

$100k–$150k 18.9%

$150k–$200k 22.1%

$200k–$300k 27.3%

$300k–$500k 13.2%

$500k–$1M 2.5%

$1M+ 0.6%

Housing overview

Metric	Value
Median home value	$183,300
Median rent / month	$859
Owner occupied	73.9%
Renter occupied	26.1%
Vacant	22.8%
Single-family detached	76.5%
Large apartment buildings	3.4%
Mobile homes	6.8%
Median rooms	5.4
Avg household size (owned)	2.42

Year built

Era	%
2020 or later	0.1%
2010–2019	5.5%
2000–2009	12.7%
1990–1999	18.1%
1980–1989	14.9%
1970–1979	24.6%
1960–1969	10.1%
1950–1959	7.1%
1940–1949	2.6%
1939 or earlier	4.3%

Bedrooms

Size	% of units
No bedroom (studio)	3.7%
1 bedroom	7.9%
2 bedrooms	25.1%
3 bedrooms	46.2%
4 bedrooms	13.9%
5+ bedrooms	3.2%

Vehicles per household

Vehicles	% of households
No vehicle	6.1%
1 vehicle	36.1%
2 vehicles	38.3%
3 or more	19.5%

Heating fuel

Fuel type	%
Utility gas	60.6%
Electricity	11.7%
Propane / LP gas	16.6%
Fuel oil	0.7%
Wood	7.3%
Solar	0.1%
No fuel used	1.3%

Households & families

Household type	Count	%
Married-couple family	4,258	48.0%
Cohabiting couple	846	9.5%
Male householder, no spouse	1,690	19.1%
Female householder, no spouse	2,068	23.3%
Households with children under 18	2,523	28.5%
Households with seniors (65+)	3,165	35.7%
Average household size	2.28

Marital status

Status	Male	Female
Never married	32.1%	25.7%
Married	53.4%	50.3%
Separated	0.8%	0.8%
Widowed	2.2%	9.4%
Divorced	11.5%	13.9%

Education

Less than 9th grade 1.7%

Some HS, no diploma 3.6%

HS graduate 31.0%

Some college, no degree 24.5%

Associate's degree 11.6%

Bachelor's degree 18.2%

Graduate / professional 9.4%

Metric	%
HS diploma or higher	94.8%
Bachelor's or higher	27.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	183	4.4%
Kindergarten	247	6.0%
Elementary school	1,727	41.9%
High school	922	22.4%
College / grad school	1,040	25.2%

Employment

Industry of employment

Education & healthcare 21.7%

Retail trade 15.5%

Arts, food & hospitality 13.8%

Construction 9.3%

Manufacturing 8.4%

Public administration 6.4%

Transportation & utilities 6.1%

Finance & real estate 5.4%

Other services 4.6%

Professional & management 4.1%

Agriculture & mining 2.6%

Wholesale trade 1.7%

Information 0.3%

Occupation

Category	%
Management, business & arts	34.4%
Service	20.7%
Sales & office	21.7%
Natural resources & construction	8.0%
Production & transportation	15.0%

Employment type

Type	%
Private sector	77.3%
Government	14.8%
Self-employed	7.4%
Unpaid family workers	0.5%

Commute

Method	%
Drive alone	76.8%
Carpool	13.9%
Public transit	0.6%
Walk	1.1%
Work from home	7.2%
Other means	0.5%
Avg commute (minutes)	19.0

Poverty

All people 10.5%

Under 18 years 13.3%

18 and over 9.7%

Married-couple families 3.6%

Female-led households 20.8%

Income support

Source	% of households
Social Security	40.5%
Retirement income	27.4%
Supplemental Security	4.7%
Cash public assistance	2.2%
Food stamps / SNAP	12.1%

Health indicators

Condition	%
Obesity	36.4%
High blood pressure	35.0%
High cholesterol	35.6%
Diabetes	11.4%
Heart disease	7.5%
Stroke	3.5%
Asthma	11.2%
Arthritis	31.4%
Kidney disease	3.2%
Pulmonary disease	8.7%
Cancer	7.5%

Behavior / access	%
Smoking	20.4%
Binge drinking	18.5%
No physical activity	21.4%
Less than 7 hrs sleep	33.0%
Depression	22.2%
Fair or poor health	15.5%
Poor mental health	16.2%
Poor physical health	11.8%
No health insurance	9.2%
Visited doctor (checkup)	74.1%
Visited dentist	67.9%
Cholesterol screening	91.3%
Teeth loss	13.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,706	10.4%

Disability	%
Any disability	16.5%
Under 18	8.8%
18–64 years	13.6%
65 and over	31.7%

Health insurance coverage

Type	%
Private insurance	69.9%
Public insurance	41.7%
No insurance	7.9%
Uninsured under 19	4.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	19,548	95.0%
Spanish	73	0.4%
Other Indo-European	30	0.2%
Asian & Pacific Islander	10	0.1%
Other languages	27	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	20,312	98.7%
Born in same state	20,244	98.4%
Born in different state	17,502	85.1%
Foreign born	68	0.3%
Naturalized citizen	258	1.3%
Not a US citizen	139	53.9%

Ancestry

Ancestry	Count	%
Italian	3,318	16.1%
French	2,646	12.9%
Arab	1,334	6.5%
English	393	1.9%
German	379	1.8%

Ancestry	Count	%
Polish	302	1.5%
Irish	140	0.7%
Dutch	85	0.4%
Norwegian	5	0%

Technology access

Metric	% of households
Computer access	43.1%
Internet access	96.1%

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

Frequently asked questions about ZIP code 49735

What city is ZIP code 49735 in?

ZIP code 49735 is primarily assigned to Gaylord, Michigan.

What county is ZIP code 49735 in?

ZIP code 49735 falls within Otsego County, Michigan.

Does ZIP code 49735 have a large retiree population?

41% of households in ZIP code 49735 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 49735 have a large veteran population?

10% of civilians in ZIP code 49735 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 49735?

The median home value in ZIP code 49735 is $183,300.

What is the population of ZIP code 49735?

ZIP code 49735 has an estimated population of 20,570 residents, with a density of 83 people per square mile.

What timezone is ZIP code 49735 in?

ZIP code 49735 observes the EST timezone.