49645 ZIP Code — Kaleva, MI

Manistee County, Michigan

ZIP code 49645 is located in Kaleva, Michigan, within Manistee County. It covers approximately 44.32 square miles and serves a population of 1,802 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 231.

About ZIP code 49645

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 $131,100. Owner-occupancy is high at 82%, well above the national average.

Median household income is $48,690. Poverty affects 24% of residents, above the national average. SNAP benefit usage at 18% of households reflects economic stress in the area. 51% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. The average commute of 29 minutes is near the national average.

College attainment at 15% 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 49645 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

1,802

population

44.32

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49645 ZIP code map

Cities in ZIP code 49645

Below are the cities the US Postal Service accepts for ZIP code 49645. Using any city not on this list may result in mail delivery delays.

City	Status
Kaleva	Preferred

Nearby ZIP codes

49614 Bear Lake (4.3 mi) 49619 Brethren (5.9 mi) 49675 Onekama (8.6 mi) 49625 Copemish (10.5 mi) 49613 Arcadia (11.3 mi) 49660 Manistee (12.1 mi) 49689 Wellston (12.5 mi) 49683 Thompsonville (12.5 mi) 49616 Benzonia (13.8 mi) 49638 Harrietta (14 mi) 49617 Beulah (17.4 mi) 49668 Mesick (17.7 mi)

Demographics updated 05/2026

Population
Total population	1,802
Population density	41 / sq mi
State FIPS	26
County FIPS	101

Geography
Land area	44.32 sq mi
Water area	0.45 sq mi
Latitude	44.3788
Longitude	-86.0510
Timezone	Eastern (ET)
Area code	231

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	59.8%	47.3%	42.6%
$50k – $100k	26.4%	35.4%	31.1%
$100k – $200k	11.6%	13.8%	20.6%
Over $200k	2.3%	3.6%	5.7%

Demographics & statistics

1,802

Population

People per sq mi

47.8

Median age

$48,690

Median household income

$25,388

Per capita income

$131,100

Median home value

$873

Median monthly rent

82.0%

Home ownership

24.2%

Poverty rate

16.9%

Unemployment

1,019

Housing units

15.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

100

25–34

101

35–44

45–54

55–59

60–64

147

65–74

144

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	372	20.6%
18 and over	1,430	79.4%
65 and over	445	24.7%
Median age	47.8 years

Race & ethnicity

White 92.9%

Two or more races 2.7%

Hispanic or Latino 2.1%

American Indian / Alaska Native 0.9%

Black or African American 0.8%

Other race 0.3%

Asian 0.2%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	1,711	92.9%
Two or more races	50	2.7%
Hispanic or Latino	39	2.1%
American Indian / Alaska Native	16	0.9%
Black or African American	15	0.8%
Other race	6	0.3%
Asian	3	0.2%
Native Hawaiian / Pacific Islander	1	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	59.8%	47.3%	42.6%
$50k – $100k	26.4%	35.4%	31.1%
$100k – $200k	11.6%	13.8%	20.6%
Over $200k	2.3%	3.6%	5.7%

Under $10k 4.7%

$10k–$15k 4.8%

$15k–$25k 16.3%

$25k–$35k 11.5%

$35k–$50k 14.1%

$50k–$75k 15.4%

$75k–$100k 20.4%

$100k–$150k 7.9%

$150k–$200k 3.2%

$200k+ 1.7%

Range	% of households
Under $10k	4.7%
$10k–$15k	4.8%
$15k–$25k	16.3%
$25k–$35k	11.5%
$35k–$50k	14.1%
$50k–$75k	15.4%
$75k–$100k	20.4%
$100k–$150k	7.9%
$150k–$200k	3.2%
$200k+	1.7%
Median income	$48,690

Housing

Home values

Under $50k 12.2%

$50k–$100k 19.9%

$100k–$150k 23.1%

$150k–$200k 18.1%

$200k–$300k 12.3%

$300k–$500k 8.3%

$500k–$1M 4.7%

$1M+ 1.4%

Housing overview

Metric	Value
Median home value	$131,100
Median rent / month	$873
Owner occupied	82.0%
Renter occupied	18.0%
Vacant	37.2%
Single-family detached	88.1%
Large apartment buildings	0.0%
Mobile homes	9.6%
Median rooms	5.3
Avg household size (owned)	2.41

Year built

Era	%
2020 or later	0.2%
2010–2019	0.8%
2000–2009	8.8%
1990–1999	10.7%
1980–1989	16.3%
1970–1979	22.5%
1960–1969	15.1%
1950–1959	6.9%
1940–1949	5.7%
1939 or earlier	13.1%

Bedrooms

Size	% of units
No bedroom (studio)	1.8%
1 bedroom	8.9%
2 bedrooms	38.1%
3 bedrooms	36.1%
4 bedrooms	12.5%
5+ bedrooms	2.5%

Vehicles per household

Vehicles	% of households
No vehicle	4.6%
1 vehicle	28.0%
2 vehicles	47.6%
3 or more	19.8%

Heating fuel

Fuel type	%
Utility gas	43.9%
Electricity	6.1%
Propane / LP gas	30.3%
Fuel oil	2.9%
Wood	15.8%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	334	46.3%
Cohabiting couple	60	8.3%
Male householder, no spouse	158	21.9%
Female householder, no spouse	170	23.5%
Households with children under 18	173	24.0%
Households with seniors (65+)	339	47.0%
Average household size	2.45

Marital status

Status	Male	Female
Never married	27.6%	22.3%
Married	53.4%	48.2%
Separated	1.0%	2.1%
Widowed	3.6%	11.4%
Divorced	14.4%	15.9%

Education

Less than 9th grade 3.6%

Some HS, no diploma 9.2%

HS graduate 41.0%

Some college, no degree 21.9%

Associate's degree 9.3%

Bachelor's degree 9.6%

Graduate / professional 5.5%

Metric	%
HS diploma or higher	87.2%
Bachelor's or higher	15.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	13	4.5%
Kindergarten	24	8.4%
Elementary school	185	64.5%
High school	41	14.3%
College / grad school	24	8.4%

Employment

Industry of employment

Manufacturing 19.8%

Education & healthcare 14.3%

Arts, food & hospitality 12.2%

Construction 11.2%

Professional & management 9.8%

Retail trade 9.5%

Other services 6.7%

Transportation & utilities 4.7%

Agriculture & mining 3.9%

Public administration 3.9%

Finance & real estate 2.3%

Wholesale trade 0.9%

Information 0.9%

Occupation

Category	%
Management, business & arts	30.7%
Service	17.4%
Sales & office	16.0%
Natural resources & construction	9.6%
Production & transportation	26.4%

Employment type

Type	%
Private sector	83.6%
Government	8.8%
Self-employed	7.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	72.9%
Carpool	19.7%
Public transit	1.0%
Walk	2.2%
Work from home	3.8%
Other means	0.3%
Avg commute (minutes)	29.2

Poverty

All people 24.2%

Under 18 years 45.9%

18 and over 18.8%

Married-couple families 13.2%

Female-led households 44.8%

Income support

Source	% of households
Social Security	51.0%
Retirement income	33.5%
Supplemental Security	8.0%
Cash public assistance	2.5%
Food stamps / SNAP	18.0%

Health indicators

Condition	%
Obesity	39.1%
High blood pressure	37.9%
High cholesterol	37.0%
Diabetes	13.1%
Heart disease	8.6%
Stroke	4.1%
Asthma	11.7%
Arthritis	34.7%
Kidney disease	3.6%
Pulmonary disease	10.7%
Cancer	7.6%

Behavior / access	%
Smoking	24.2%
Binge drinking	17.4%
No physical activity	24.8%
Less than 7 hrs sleep	33.3%
Depression	23.0%
Fair or poor health	18.9%
Poor mental health	17.2%
Poor physical health	13.8%
No health insurance	10.9%
Visited doctor (checkup)	74.8%
Visited dentist	64.0%
Cholesterol screening	91.1%
Teeth loss	16.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	150	10.5%

Disability	%
Any disability	16.3%
Under 18	3.5%
18–64 years	17.0%
65 and over	25.6%

Health insurance coverage

Type	%
Private insurance	52.1%
Public insurance	59.5%
No insurance	8.8%
Uninsured under 19	4.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,667	92.5%
Spanish	11	0.7%
Other Indo-European	11	0.7%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,786	99.1%
Born in same state	1,766	98.0%
Born in different state	1,485	82.4%
Foreign born	20	1.1%
Naturalized citizen	16	0.9%
Not a US citizen	5	31.3%

Ancestry

Ancestry	Count	%
Italian	197	10.9%
French	185	10.3%
Arab	35	1.9%
German	31	1.7%
English	31	1.7%

Ancestry	Count	%
Dutch	17	0.9%
Polish	15	0.8%
Irish	14	0.8%
Norwegian	9	0.5%

Technology access

Metric	% of households
Computer access	40.1%
Internet access	90.0%

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

Frequently asked questions about ZIP code 49645

What city is ZIP code 49645 in?

ZIP code 49645 is primarily assigned to Kaleva, Michigan.

What county is ZIP code 49645 in?

ZIP code 49645 falls within Manistee County, Michigan.

Does ZIP code 49645 have a large retiree population?

51% of households in ZIP code 49645 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 49645?

24% of residents in ZIP code 49645 live below the poverty line, above the national average.

Is ZIP code 49645 mostly owner-occupied?

82% of occupied units in ZIP code 49645 are owner-occupied, well above the national average.

Does ZIP code 49645 have a large veteran population?

11% of civilians in ZIP code 49645 are veterans, above the national average of ~7%.

What timezone is ZIP code 49645 in?

ZIP code 49645 observes the EST timezone.