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Michigan ZIP Codes
Oscoda County
Luzerne, MI
48636
48636 ZIP Code — Luzerne, MI
Oscoda County, Michigan
ZIP code 48636 is located in
Luzerne ,
Michigan ,
within Oscoda County .
It covers approximately 77.35 square miles and serves a population of
852 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 989 .
About ZIP code 48636
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 $98,600. Owner-occupancy is high at 98%, well above the national average.
Median household income is $58,750. 58% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is management, business, and professional, with arts, entertainment, and food service as the leading industry. The average commute of 25 minutes is near the national average.
College attainment at 11% is below the national average, consistent with a trades and production-oriented local economy.
Health indicators show elevated rates of diabetes (15%), smoking (24%) compared to national benchmarks.
Notable community characteristics include disability rates above the national average at 32%.
Overall, ZIP code 48636 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.
48636 ZIP code map
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Cities in ZIP code 48636
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Nearby ZIP codes
Demographics
updated 06/2026
Population
Total population
852
Population density
11 / sq mi
State FIPS
26
County FIPS
135
Geography
Land area
77.35 sq mi
Water area
0.05 sq mi
Latitude
44.5934
Longitude
-84.2585
Timezone
Eastern (ET)
Area code
989
Economics
updated 06/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
51.1%
54.9%
42.6%
$50k – $100k
44.9%
33.2%
31.1%
$100k – $200k
4.1%
10.1%
20.6%
Over $200k
0.0%
1.9%
5.7%
Demographics & statistics
$58,750
Median household income
10.7%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 82 9.6% 18 and over 770 90.4% 65 and over 306 35.9% Median age 61.0 years
Race & ethnicity
American Indian / Alaska Native
0.6%
Group Count % White 835 98% Two or more races 12 1.4% American Indian / Alaska Native 5 0.6%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
51.1%
54.9%
42.6%
$50k – $100k
44.9%
33.2%
31.1%
$100k – $200k
4.1%
10.1%
20.6%
Over $200k
0.0%
1.9%
5.7%
Range % of households Under $10k 4.0% $10k–$15k 1.4% $25k–$35k 14.0% $35k–$50k 27.9% $50k–$75k 25.3% $75k–$100k 19.8% $100k–$150k 7.7% Median income $58,750
Housing
Housing overview
Metric Value Median home value $98,600 Median rent / month $0 Owner occupied 98.1% Renter occupied 1.9% Vacant 55.3% Single-family detached 85.3% Large apartment buildings 0.0% Mobile homes 14.7% Median rooms 4.3 Avg household size (owned) 1.95
Year built
Era % 2020 or later 0.0% 2010–2019 0.8% 2000–2009 11.8% 1990–1999 6.3% 1980–1989 8.6% 1970–1979 23.8% 1960–1969 14.2% 1950–1959 18.7% 1940–1949 12.3% 1939 or earlier 3.4%
Bedrooms
Size % of units No bedroom (studio) 6.1% 1 bedroom 16.0% 2 bedrooms 46.1% 3 bedrooms 28.5% 4 bedrooms 2.7% 5+ bedrooms 0.6%
Vehicles per household
Vehicles % of households No vehicle 0.7% 1 vehicle 31.9% 2 vehicles 39.5% 3 or more 27.9%
Heating fuel
Fuel type % Utility gas 6.0% Electricity 7.7% Propane / LP gas 64.4% Fuel oil 3.0% Wood 16.0%
Households & families
Household type Count % Married-couple family 215 50.0% Cohabiting couple 77 17.9% Male householder, no spouse 81 18.8% Female householder, no spouse 57 13.3% Households with children under 18 65 15.1% Households with seniors (65+) 206 47.9% Average household size 1.98
Marital status
Status Male Female Never married 17.6% 22.3% Married 50.7% 56.2% Separated 7.1% 0.0% Widowed 2.0% 5.0% Divorced 22.7% 16.5%
Education
Some HS, no diploma
10.4%
Some college, no degree
17.0%
Graduate / professional
1.6%
Metric % HS diploma or higher 85.9% Bachelor's or higher 10.7%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 13 17.8% Kindergarten 3 4.1% Elementary school 36 49.3% High school 21 28.8% College / grad school 0 0.0%
Employment
Industry of employment
Arts, food & hospitality
24.8%
Education & healthcare
11.6%
Public administration
7.9%
Professional & management
7.0%
Finance & real estate
2.5%
Occupation
Category % Management, business & arts 27.3% Service 9.1% Sales & office 23.6% Natural resources & construction 16.5% Production & transportation 23.6%
Employment type
Type % Private sector 63.6% Government 16.5% Self-employed 19.8% Unpaid family workers 0.0%
Commute
Method % Drive alone 69.5% Carpool 8.8% Public transit 0.0% Walk 5.2% Work from home 16.5% Other means 0.0% Avg commute (minutes) 24.8
Poverty
Married-couple families
0.0%
Female-led households
0.0%
Income support
Source % of households Social Security 58.1% Retirement income 56.0% Supplemental Security 14.9% Cash public assistance 0.0% Food stamps / SNAP 12.6%
Health indicators
Condition % Obesity 40.1% High blood pressure 42.7% High cholesterol 41.4% Diabetes 15.2% Heart disease 10.4% Stroke 4.7% Asthma 11.5% Arthritis 39.1% Kidney disease 4.1% Pulmonary disease 12.3% Cancer 9.0%
Behavior / access % Smoking 24.1% Binge drinking 16.1% No physical activity 26.8% Less than 7 hrs sleep 34.2% Depression 22.6% Fair or poor health 20.6% Poor mental health 16.3% Poor physical health 14.8% No health insurance 11.2% Visited doctor (checkup) 76.8% Visited dentist 63.2% Cholesterol screening 92.5% Teeth loss 17.1%
Veterans & disability
Veterans Count % Civilian veterans 83 10.9%
Disability % Any disability 32.2% Under 18 2.4% 18–64 years 26.3% 65 and over 49.0%
Health insurance coverage
Type % Private insurance 76.4% Public insurance 60.4% No insurance 7.2% Uninsured under 19 12.2%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 834 97.9% 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) 852 100.0% Born in same state 852 100.0% Born in different state 754 88.5% Foreign born 0 0.0% Naturalized citizen 0 0.0% Not a US citizen 0 0.0%
Ancestry
Ancestry Count % Italian 134 15.7% Arab 95 11.2% French 94 11% English 26 3.1%
Ancestry Count % German 5 0.6% Irish 5 0.6% Norwegian 3 0.4%
Technology access
Metric % of households Computer access 50.5% Internet access 94.0%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 48636
What city is ZIP code 48636 in?
ZIP code 48636 is primarily assigned to Luzerne, Michigan.
What county is ZIP code 48636 in?
ZIP code 48636 falls within Oscoda County, Michigan.
Does ZIP code 48636 have an older population?
36% of residents in ZIP code 48636 are 65 or older, above the national average of ~17%.
Is ZIP code 48636 mostly owner-occupied?
98% of occupied units in ZIP code 48636 are owner-occupied, well above the national average.
Does ZIP code 48636 have a large retiree population?
58% of households in ZIP code 48636 receive Social Security income, suggesting a significant retiree or disability population.
How educated is the population of ZIP code 48636?
11% 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 48636 in?
ZIP code 48636 observes the EST timezone.
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