48632 ZIP Code — Lake, MI

Clare County, Michigan

ZIP code 48632 is located in Lake, Michigan, within Clare County. It covers approximately 123.17 square miles and serves a population of 5,028 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 989.

About ZIP code 48632

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 $125,400. Owner-occupancy is high at 91%, well above the national average.

The gap between median ($49,722) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 22% of residents, above the national average. SNAP benefit usage at 18% of households reflects economic stress in the area. 55% 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 14% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of diabetes (16%), smoking (25%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 24%.

Overall, ZIP code 48632 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.

5,028

population

123.17

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

48632 ZIP code map

Cities in ZIP code 48632

Below are the cities the US Postal Service accepts for ZIP code 48632. Using any city not on this list may result in mail delivery delays.

City	Status
Lake	Acceptable
Lake	Preferred

Nearby ZIP codes

48622 Farwell (6.9 mi) 49679 Sears (7.5 mi) 49305 Barryton (8.8 mi) 48893 Weidman (11 mi) 49631 Evart (11.9 mi) 48617 Clare (14.4 mi) 49340 Remus (14.7 mi) 48878 Rosebush (15.2 mi) 48625 Harrison (15.7 mi) 49665 Marion (17.7 mi) 49332 Mecosta (18.1 mi) 49342 Rodney (18.4 mi)

Demographics updated 06/2026

Population
Total population	5,028
Population density	41 / sq mi
State FIPS	26
County FIPS	035

Geography
Land area	123.17 sq mi
Water area	4.64 sq mi
Latitude	43.8391
Longitude	-85.0150
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	64.0%	58.3%	42.6%
$50k – $100k	26.1%	29.2%	31.1%
$100k – $200k	7.9%	10.5%	20.6%
Over $200k	2.0%	2.0%	5.7%

Demographics & statistics

5,028

Population

People per sq mi

51.3

Median age

$49,722

Median household income

$32,156

Per capita income

$125,400

Median home value

$810

Median monthly rent

91.2%

Home ownership

21.5%

Poverty rate

11.0%

Unemployment

4,260

Housing units

13.7%

Bachelor's or higher

Age distribution

Male Female

Under 5

142

5–9

130

150

10–14

138

162

15–19

148

115

20–24

106

227

25–34

207

233

35–44

213

343

45–54

313

232

55–59

213

288

60–64

264

420

65–74

384

149

75–84

136

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	878	17.5%
18 and over	4,150	82.5%
65 and over	1,245	24.8%
Median age	51.3 years

Race & ethnicity

White 87.8%

Two or more races 5.1%

Hispanic or Latino 3.5%

Other race 2.5%

American Indian / Alaska Native 1%

Asian 0.1%

Group	Count	%
White	4,574	87.8%
Two or more races	268	5.1%
Hispanic or Latino	181	3.5%
Other race	129	2.5%
American Indian / Alaska Native	54	1%
Asian	3	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	64.0%	58.3%	42.6%
$50k – $100k	26.1%	29.2%	31.1%
$100k – $200k	7.9%	10.5%	20.6%
Over $200k	2.0%	2.0%	5.7%

Under $10k 4.8%

$10k–$15k 5.9%

$15k–$25k 8.8%

$25k–$35k 14.2%

$35k–$50k 16.6%

$50k–$75k 19.5%

$75k–$100k 12.7%

$100k–$150k 10.3%

$150k–$200k 3.2%

$200k+ 4.0%

Range	% of households
Under $10k	4.8%
$10k–$15k	5.9%
$15k–$25k	8.8%
$25k–$35k	14.2%
$35k–$50k	16.6%
$50k–$75k	19.5%
$75k–$100k	12.7%
$100k–$150k	10.3%
$150k–$200k	3.2%
$200k+	4.0%
Median income	$49,722

Housing

Home values

Under $50k 20.1%

$50k–$100k 21.7%

$100k–$150k 18.1%

$150k–$200k 15.1%

$200k–$300k 14.4%

$300k–$500k 9.1%

$500k–$1M 0.9%

$1M+ 0.5%

Housing overview

Metric	Value
Median home value	$125,400
Median rent / month	$810
Owner occupied	91.2%
Renter occupied	8.8%
Vacant	54.3%
Single-family detached	80.1%
Large apartment buildings	0.1%
Mobile homes	18.6%
Median rooms	5.1
Avg household size (owned)	2.40

Year built

Era	%
2020 or later	0.0%
2010–2019	4.1%
2000–2009	16.5%
1990–1999	23.0%
1980–1989	12.5%
1970–1979	16.0%
1960–1969	8.1%
1950–1959	8.2%
1940–1949	6.6%
1939 or earlier	4.9%

Bedrooms

Size	% of units
No bedroom (studio)	0.6%
1 bedroom	8.2%
2 bedrooms	34.6%
3 bedrooms	42.9%
4 bedrooms	12.6%
5+ bedrooms	1.0%

Vehicles per household

Vehicles	% of households
No vehicle	4.5%
1 vehicle	32.7%
2 vehicles	34.4%
3 or more	28.4%

Heating fuel

Fuel type	%
Utility gas	50.3%
Electricity	4.3%
Propane / LP gas	33.4%
Fuel oil	1.1%
Wood	10.0%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	1,055	52.1%
Cohabiting couple	176	8.7%
Male householder, no spouse	446	22.0%
Female householder, no spouse	349	17.2%
Households with children under 18	416	20.5%
Households with seniors (65+)	832	41.1%
Average household size	2.48

Marital status

Status	Male	Female
Never married	28.4%	21.0%
Married	49.5%	54.4%
Separated	1.3%	0.9%
Widowed	6.6%	8.8%
Divorced	14.3%	14.9%

Education

Less than 9th grade 4.7%

Some HS, no diploma 8.6%

HS graduate 41.4%

Some college, no degree 21.0%

Associate's degree 10.7%

Bachelor's degree 9.9%

Graduate / professional 3.8%

Metric	%
HS diploma or higher	86.7%
Bachelor's or higher	13.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	30	3.4%
Kindergarten	76	8.6%
Elementary school	388	44.1%
High school	220	25.0%
College / grad school	166	18.9%

Employment

Industry of employment

Education & healthcare 19.5%

Arts, food & hospitality 16.0%

Manufacturing 14.8%

Retail trade 13.9%

Construction 9.4%

Professional & management 8.2%

Transportation & utilities 4.6%

Other services 4.3%

Public administration 3.6%

Finance & real estate 2.7%

Agriculture & mining 1.4%

Wholesale trade 0.8%

Information 0.8%

Occupation

Category	%
Management, business & arts	25.9%
Service	22.0%
Sales & office	22.7%
Natural resources & construction	11.5%
Production & transportation	17.9%

Employment type

Type	%
Private sector	79.5%
Government	10.6%
Self-employed	9.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	82.7%
Carpool	7.8%
Public transit	3.0%
Walk	0.5%
Work from home	5.5%
Other means	0.5%
Avg commute (minutes)	31.4

Poverty

All people 21.5%

Under 18 years 36.7%

18 and over 18.3%

Married-couple families 10.8%

Female-led households 53.1%

Income support

Source	% of households
Social Security	55.2%
Retirement income	38.4%
Supplemental Security	7.1%
Cash public assistance	5.1%
Food stamps / SNAP	17.6%

Health indicators

Condition	%
Obesity	40.2%
High blood pressure	42.1%
High cholesterol	40.5%
Diabetes	15.8%
Heart disease	10.6%
Stroke	5.0%
Asthma	11.9%
Arthritis	38.4%
Kidney disease	4.3%
Pulmonary disease	12.9%
Cancer	8.6%

Behavior / access	%
Smoking	25.2%
Binge drinking	15.9%
No physical activity	27.1%
Less than 7 hrs sleep	35.4%
Depression	22.8%
Fair or poor health	21.7%
Poor mental health	16.9%
Poor physical health	15.5%
No health insurance	11.1%
Visited doctor (checkup)	76.4%
Visited dentist	59.5%
Cholesterol screening	91.5%
Teeth loss	19.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	452	10.9%

Disability	%
Any disability	24.3%
Under 18	7.3%
18–64 years	24.4%
65 and over	36.1%

Health insurance coverage

Type	%
Private insurance	55.7%
Public insurance	59.9%
No insurance	8.6%
Uninsured under 19	9.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,869	96.8%
Spanish	58	1.2%
Other Indo-European	16	0.3%
Asian & Pacific Islander	42	0.9%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,939	98.2%
Born in same state	4,933	98.1%
Born in different state	4,256	84.6%
Foreign born	6	0.1%
Naturalized citizen	89	1.8%
Not a US citizen	38	42.7%

Ancestry

Ancestry	Count	%
French	700	13.9%
Italian	496	9.9%
Arab	221	4.4%
German	89	1.8%
English	85	1.7%

Ancestry	Count	%
Irish	29	0.6%
Polish	28	0.6%
Dutch	6	0.1%
Norwegian	4	0.1%

Technology access

Metric	% of households
Computer access	40.3%
Internet access	89.2%

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

Frequently asked questions about ZIP code 48632

What city is ZIP code 48632 in?

ZIP code 48632 is primarily assigned to Lake, Michigan.

What county is ZIP code 48632 in?

ZIP code 48632 falls within Clare County, Michigan.

Does ZIP code 48632 have a large retiree population?

55% of households in ZIP code 48632 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 48632 mostly owner-occupied?

91% of occupied units in ZIP code 48632 are owner-occupied, well above the national average.

What is the poverty rate in ZIP code 48632?

22% of residents in ZIP code 48632 live below the poverty line, above the national average.

How educated is the population of ZIP code 48632?

14% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What timezone is ZIP code 48632 in?

ZIP code 48632 observes the EST timezone.