49245 ZIP Code — Homer, MI

Calhoun County, Michigan

ZIP code 49245 is located in Homer, Michigan, within Calhoun County. It covers approximately 92.53 square miles and serves a population of 4,445 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 517.

About ZIP code 49245

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 $133,300. Owner-occupancy is high at 78%, well above the national average.

Median household income is $57,870. 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 24 minutes is near the national average.

College attainment at 13% 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. 15% of residents lack health insurance, above the national average.

Overall, ZIP code 49245 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

4,445

population

92.53

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49245 ZIP code map

Cities in ZIP code 49245

Below are the cities the US Postal Service accepts for ZIP code 49245. Using any city not on this list may result in mail delivery delays.

City	Status
Homer	Preferred

Nearby ZIP codes

49092 Tekonsha (7.5 mi) 49252 Litchfield (9.2 mi) 49237 Concord (9.5 mi) 49068 Marshall (9.7 mi) 49224 Albion (10 mi) 49241 Hanover (11.9 mi) 49283 Spring Arbor (13.6 mi) 49227 Allen (14 mi) 49029 Burlington (14.4 mi) 49082 Quincy (14.5 mi) 49250 Jonesville (14.7 mi) 49033 Ceresco (14.9 mi)

Demographics updated 07/2026

Population
Total population	4,445
Population density	48 / sq mi
State FIPS	26
County FIPS	025

Geography
Land area	92.53 sq mi
Water area	0.80 sq mi
Latitude	42.1514
Longitude	-84.8262
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	46.0%	49.7%	42.6%
$50k – $100k	31.4%	30.3%	31.1%
$100k – $200k	20.9%	16.6%	20.6%
Over $200k	1.8%	3.4%	5.7%

Demographics & statistics

4,445

Population

People per sq mi

36.0

Median age

$57,870

Median household income

$26,394

Per capita income

$133,300

Median home value

$831

Median monthly rent

78.3%

Home ownership

13.9%

Poverty rate

4.5%

Unemployment

1,513

Housing units

12.5%

Bachelor's or higher

Age distribution

Male Female

134

Under 5

161

118

5–9

142

174

10–14

209

108

15–19

130

172

20–24

207

269

25–34

323

213

35–44

255

240

45–54

288

110

55–59

132

135

60–64

162

237

65–74

283

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,082	24.3%
18 and over	3,363	75.7%
65 and over	763	17.2%
Median age	36.0 years

Race & ethnicity

White 95.9%

Two or more races 3.2%

Black or African American 0.6%

Hispanic or Latino 0.2%

Asian 0.1%

Other race 0.1%

Group	Count	%
White	4,271	95.9%
Two or more races	141	3.2%
Black or African American	25	0.6%
Hispanic or Latino	9	0.2%
Asian	5	0.1%
Other race	3	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	46.0%	49.7%	42.6%
$50k – $100k	31.4%	30.3%	31.1%
$100k – $200k	20.9%	16.6%	20.6%
Over $200k	1.8%	3.4%	5.7%

Under $10k 4.0%

$10k–$15k 3.6%

$15k–$25k 8.0%

$25k–$35k 10.7%

$35k–$50k 14.2%

$50k–$75k 24.6%

$75k–$100k 11.6%

$100k–$150k 15.2%

$150k–$200k 5.5%

$200k+ 2.5%

Range	% of households
Under $10k	4.0%
$10k–$15k	3.6%
$15k–$25k	8.0%
$25k–$35k	10.7%
$35k–$50k	14.2%
$50k–$75k	24.6%
$75k–$100k	11.6%
$100k–$150k	15.2%
$150k–$200k	5.5%
$200k+	2.5%
Median income	$57,870

Housing

Home values

Under $50k 14.5%

$50k–$100k 21.9%

$100k–$150k 20.3%

$150k–$200k 14.7%

$200k–$300k 14.5%

$300k–$500k 9.3%

$500k–$1M 4.7%

Housing overview

Metric	Value
Median home value	$133,300
Median rent / month	$831
Owner occupied	78.3%
Renter occupied	21.7%
Vacant	16.7%
Single-family detached	71.7%
Large apartment buildings	0.7%
Mobile homes	19.2%
Median rooms	6.0
Avg household size (owned)	3.00

Year built

Era	%
2020 or later	0.0%
2010–2019	3.0%
2000–2009	9.6%
1990–1999	9.5%
1980–1989	9.5%
1970–1979	15.0%
1960–1969	7.1%
1950–1959	8.2%
1940–1949	3.4%
1939 or earlier	34.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.7%
1 bedroom	6.8%
2 bedrooms	25.7%
3 bedrooms	46.0%
4 bedrooms	16.4%
5+ bedrooms	4.5%

Vehicles per household

Vehicles	% of households
No vehicle	9.7%
1 vehicle	28.9%
2 vehicles	33.7%
3 or more	27.7%

Heating fuel

Fuel type	%
Utility gas	40.3%
Electricity	7.0%
Propane / LP gas	25.6%
Fuel oil	4.2%
Wood	15.8%
Solar	0.4%
No fuel used	0.9%

Households & families

Household type	Count	%
Married-couple family	796	51.8%
Cohabiting couple	156	10.1%
Male householder, no spouse	276	17.9%
Female householder, no spouse	310	20.2%
Households with children under 18	532	34.6%
Households with seniors (65+)	520	33.8%
Average household size	2.89

Marital status

Status	Male	Female
Never married	29.0%	34.3%
Married	53.7%	47.6%
Separated	2.0%	0.7%
Widowed	2.7%	6.3%
Divorced	12.6%	11.0%

Education

Less than 9th grade 8.4%

Some HS, no diploma 5.2%

HS graduate 44.8%

Some college, no degree 20.1%

Associate's degree 8.9%

Bachelor's degree 9.5%

Graduate / professional 3.0%

Metric	%
HS diploma or higher	86.4%
Bachelor's or higher	12.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	12	1.4%
Kindergarten	60	7.1%
Elementary school	490	58.1%
High school	152	18.0%
College / grad school	129	15.3%

Employment

Industry of employment

Manufacturing 29.1%

Education & healthcare 21.2%

Retail trade 10.6%

Agriculture & mining 9.2%

Construction 7.7%

Arts, food & hospitality 6.1%

Professional & management 4.1%

Finance & real estate 3.3%

Transportation & utilities 2.9%

Public administration 2.8%

Other services 2.2%

Information 0.5%

Wholesale trade 0.3%

Occupation

Category	%
Management, business & arts	24.7%
Service	18.9%
Sales & office	13.0%
Natural resources & construction	14.8%
Production & transportation	28.5%

Employment type

Type	%
Private sector	85.1%
Government	7.7%
Self-employed	6.2%
Unpaid family workers	1.0%

Commute

Method	%
Drive alone	75.6%
Carpool	8.1%
Public transit	0.1%
Walk	3.7%
Work from home	6.7%
Other means	5.8%
Avg commute (minutes)	23.8

Poverty

All people 13.9%

Under 18 years 26.3%

18 and over 10.0%

Married-couple families 3.8%

Female-led households 33.6%

Income support

Source	% of households
Social Security	37.7%
Retirement income	23.7%
Supplemental Security	5.0%
Cash public assistance	2.7%
Food stamps / SNAP	9.4%

Health indicators

Condition	%
Obesity	38.3%
High blood pressure	33.3%
High cholesterol	35.2%
Diabetes	10.8%
Heart disease	6.8%
Stroke	3.2%
Asthma	11.3%
Arthritis	29.9%
Kidney disease	2.9%
Pulmonary disease	8.5%
Cancer	6.8%

Behavior / access	%
Smoking	23.5%
Binge drinking	18.9%
No physical activity	22.9%
Less than 7 hrs sleep	35.4%
Depression	23.9%
Fair or poor health	15.4%
Poor mental health	17.3%
Poor physical health	11.7%
No health insurance	10.0%
Visited doctor (checkup)	74.5%
Visited dentist	65.0%
Cholesterol screening	90.2%
Teeth loss	14.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	140	4.2%

Disability	%
Any disability	13.5%
Under 18	6.9%
18–64 years	10.7%
65 and over	32.5%

Health insurance coverage

Type	%
Private insurance	59.4%
Public insurance	40.7%
No insurance	15.1%
Uninsured under 19	14.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,150	93.4%
Spanish	24	0.6%
Other Indo-European	0	0.0%
Asian & Pacific Islander	11	0.3%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,407	99.1%
Born in same state	4,388	98.7%
Born in different state	3,737	84.1%
Foreign born	19	0.4%
Naturalized citizen	38	0.9%
Not a US citizen	16	42.1%

Ancestry

Ancestry	Count	%
French	432	9.7%
Italian	303	6.8%
Arab	236	5.3%
English	119	2.7%

Ancestry	Count	%
Dutch	44	1%
Polish	23	0.5%
Irish	17	0.4%
German	3	0.1%

Technology access

Metric	% of households
Computer access	34.6%
Internet access	87.1%

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

Frequently asked questions about ZIP code 49245

What city is ZIP code 49245 in?

ZIP code 49245 is primarily assigned to Homer, Michigan.

What county is ZIP code 49245 in?

ZIP code 49245 falls within Calhoun County, Michigan.

How educated is the population of ZIP code 49245?

13% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 49245 have a large retiree population?

38% of households in ZIP code 49245 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 49245?

The median home value in ZIP code 49245 is $133,300.

What is the population of ZIP code 49245?

ZIP code 49245 has an estimated population of 4,445 residents, with a density of 48 people per square mile.

What timezone is ZIP code 49245 in?

ZIP code 49245 observes the EST timezone.