49078 ZIP Code — Otsego, MI

Allegan County, Michigan

ZIP code 49078 is located in Otsego, Michigan, within Allegan County. It covers approximately 49.54 square miles and serves a population of 10,464 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 269.

About ZIP code 49078

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 $185,200. Owner-occupancy is high at 82%, well above the national average.

Median household income is $72,985. The poverty rate of 7% is below the national average. 40% 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 24 minutes is near the national average.

College attainment at 17% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (22%) compared to national benchmarks.

Overall, ZIP code 49078 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

10,464

population

49.54

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49078 ZIP code map

Cities in ZIP code 49078

Below are the cities the US Postal Service accepts for ZIP code 49078. Using any city not on this list may result in mail delivery delays.

City	Status
Otsego	Preferred

Nearby ZIP codes

49070 Martin (7 mi) 49080 Plainwell (7.6 mi) 49010 Allegan (7.7 mi) 49328 Hopkins (10.1 mi) 49055 Gobles (10.1 mi) 49344 Shelbyville (10.7 mi) 49004 Kalamazoo (11.6 mi) 49009 Kalamazoo (12.4 mi) 49006 Kalamazoo (13.2 mi) 49007 Kalamazoo (13.8 mi) 49026 Bloomingdale (14.4 mi) 49083 Richland (15.2 mi)

Demographics updated 06/2026

Population
Total population	10,464
Population density	211 / sq mi
State FIPS	26
County FIPS	005

Geography
Land area	49.54 sq mi
Water area	0.69 sq mi
Latitude	42.4761
Longitude	-85.7257
Timezone	Eastern (ET)
Area code	269

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	42.9%	37.9%	42.6%
$50k – $100k	33.4%	36.4%	31.1%
$100k – $200k	21.2%	21.7%	20.6%
Over $200k	2.5%	4.0%	5.7%

Demographics & statistics

10,464

Population

211

People per sq mi

42.5

Median age

$72,985

Median household income

$33,603

Per capita income

$185,200

Median home value

$1,123

Median monthly rent

82.0%

Home ownership

6.6%

Poverty rate

4.3%

Unemployment

3,598

Housing units

16.7%

Bachelor's or higher

Age distribution

Male Female

166

Under 5

180

271

5–9

293

396

10–14

428

304

15–19

328

276

20–24

297

525

25–34

567

770

35–44

831

595

45–54

642

509

55–59

550

428

60–64

462

372

65–74

402

321

75–84

346

85+

106

← Male

Female →

Age summary

Group	Count	%
Under 18	2,060	19.7%
18 and over	8,404	80.3%
65 and over	1,646	15.7%
Median age	42.5 years

Race & ethnicity

White 82.6%

Hispanic or Latino 7.2%

Two or more races 5.6%

Other race 3.8%

Asian 0.4%

Black or African American 0.3%

American Indian / Alaska Native 0.2%

Group	Count	%
White	9,304	82.6%
Hispanic or Latino	806	7.2%
Two or more races	627	5.6%
Other race	425	3.8%
Asian	42	0.4%
Black or African American	39	0.3%
American Indian / Alaska Native	27	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	42.9%	37.9%	42.6%
$50k – $100k	33.4%	36.4%	31.1%
$100k – $200k	21.2%	21.7%	20.6%
Over $200k	2.5%	4.0%	5.7%

Under $10k 1.5%

$10k–$15k 1.5%

$15k–$25k 6.3%

$25k–$35k 9.4%

$35k–$50k 11.8%

$50k–$75k 20.9%

$75k–$100k 14.1%

$100k–$150k 16.7%

$150k–$200k 13.1%

$200k+ 4.7%

Range	% of households
Under $10k	1.5%
$10k–$15k	1.5%
$15k–$25k	6.3%
$25k–$35k	9.4%
$35k–$50k	11.8%
$50k–$75k	20.9%
$75k–$100k	14.1%
$100k–$150k	16.7%
$150k–$200k	13.1%
$200k+	4.7%
Median income	$72,985

Housing

Home values

Under $50k 5.4%

$50k–$100k 11.5%

$100k–$150k 18.3%

$150k–$200k 21.1%

$200k–$300k 25.0%

$300k–$500k 14.7%

$500k–$1M 4.0%

Housing overview

Metric	Value
Median home value	$185,200
Median rent / month	$1,123
Owner occupied	82.0%
Renter occupied	18.0%
Vacant	6.9%
Single-family detached	83.2%
Large apartment buildings	0.5%
Mobile homes	5.6%
Median rooms	5.9
Avg household size (owned)	2.60

Year built

Era	%
2020 or later	0.1%
2010–2019	3.0%
2000–2009	9.6%
1990–1999	16.5%
1980–1989	10.7%
1970–1979	13.3%
1960–1969	8.0%
1950–1959	8.7%
1940–1949	8.4%
1939 or earlier	21.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	5.9%
2 bedrooms	18.7%
3 bedrooms	55.4%
4 bedrooms	15.9%
5+ bedrooms	4.1%

Vehicles per household

Vehicles	% of households
No vehicle	2.3%
1 vehicle	28.4%
2 vehicles	40.0%
3 or more	29.4%

Heating fuel

Fuel type	%
Utility gas	65.7%
Electricity	5.7%
Propane / LP gas	17.1%
Fuel oil	1.5%
Wood	5.3%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	2,263	56.2%
Cohabiting couple	328	8.2%
Male householder, no spouse	480	11.9%
Female householder, no spouse	953	23.7%
Households with children under 18	1,187	29.5%
Households with seniors (65+)	1,172	29.1%
Average household size	2.60

Marital status

Status	Male	Female
Never married	31.8%	22.6%
Married	54.3%	52.8%
Separated	0.9%	2.8%
Widowed	1.4%	8.9%
Divorced	11.6%	12.9%

Education

Less than 9th grade 2.5%

Some HS, no diploma 7.4%

HS graduate 38.5%

Some college, no degree 26.4%

Associate's degree 8.5%

Bachelor's degree 10.1%

Graduate / professional 6.6%

Metric	%
HS diploma or higher	90.1%
Bachelor's or higher	16.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	51	2.4%
Kindergarten	146	6.8%
Elementary school	1,199	55.7%
High school	389	18.1%
College / grad school	367	17.1%

Employment

Industry of employment

Manufacturing 27.2%

Education & healthcare 21.7%

Retail trade 12.9%

Arts, food & hospitality 7.7%

Transportation & utilities 6.0%

Construction 5.4%

Other services 5.0%

Professional & management 4.8%

Finance & real estate 3.5%

Public administration 2.8%

Wholesale trade 1.6%

Agriculture & mining 0.7%

Information 0.6%

Occupation

Category	%
Management, business & arts	33.7%
Service	12.2%
Sales & office	17.5%
Natural resources & construction	9.6%
Production & transportation	26.9%

Employment type

Type	%
Private sector	88.1%
Government	7.3%
Self-employed	4.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	86.9%
Carpool	9.4%
Public transit	0.0%
Walk	0.2%
Work from home	2.6%
Other means	0.9%
Avg commute (minutes)	23.5

Poverty

All people 6.6%

Under 18 years 4.0%

18 and over 7.1%

Married-couple families 1.6%

Female-led households 17.0%

Income support

Source	% of households
Social Security	40.4%
Retirement income	23.6%
Supplemental Security	2.5%
Cash public assistance	1.9%
Food stamps / SNAP	5.0%

Health indicators

Condition	%
Obesity	36.5%
High blood pressure	34.6%
High cholesterol	34.1%
Diabetes	10.4%
Heart disease	6.7%
Stroke	3.1%
Asthma	11.1%
Arthritis	30.2%
Kidney disease	2.9%
Pulmonary disease	8.1%
Cancer	6.9%

Behavior / access	%
Smoking	21.5%
Binge drinking	19.2%
No physical activity	21.0%
Less than 7 hrs sleep	32.4%
Depression	22.4%
Fair or poor health	14.8%
Poor mental health	16.7%
Poor physical health	11.4%
No health insurance	10.0%
Visited doctor (checkup)	74.3%
Visited dentist	67.9%
Cholesterol screening	90.8%
Teeth loss	13.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	438	5.2%

Disability	%
Any disability	12.5%
Under 18	3.0%
18–64 years	12.8%
65 and over	22.8%

Health insurance coverage

Type	%
Private insurance	68.6%
Public insurance	35.5%
No insurance	7.4%
Uninsured under 19	10.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	10,118	96.7%
Spanish	438	4.3%
Other Indo-European	132	1.3%
Asian & Pacific Islander	247	2.4%
Other languages	59	0.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	10,085	96.4%
Born in same state	9,906	94.7%
Born in different state	8,587	82.1%
Foreign born	179	1.7%
Naturalized citizen	379	3.6%
Not a US citizen	39	10.3%

Ancestry

Ancestry	Count	%
French	1,129	10.8%
Italian	1,074	10.3%
English	961	9.2%
Arab	459	4.4%
Irish	61	0.6%

Ancestry	Count	%
Dutch	46	0.4%
German	32	0.3%
Polish	24	0.2%
Norwegian	12	0.1%

Technology access

Metric	% of households
Computer access	38.5%
Internet access	93.2%

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

Frequently asked questions about ZIP code 49078

What city is ZIP code 49078 in?

ZIP code 49078 is primarily assigned to Otsego, Michigan.

What county is ZIP code 49078 in?

ZIP code 49078 falls within Allegan County, Michigan.

Is ZIP code 49078 mostly owner-occupied?

82% of occupied units in ZIP code 49078 are owner-occupied, well above the national average.

Does ZIP code 49078 have a large retiree population?

40% of households in ZIP code 49078 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 49078?

The median home value in ZIP code 49078 is $185,200.

What is the population of ZIP code 49078?

ZIP code 49078 has an estimated population of 10,464 residents, with a density of 211 people per square mile.

What timezone is ZIP code 49078 in?

ZIP code 49078 observes the EST timezone.