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Michigan ZIP Codes
Houghton County
Toivola, MI
49965
49965 ZIP Code — Toivola, MI
Houghton County, Michigan
ZIP code 49965 is located in
Toivola ,
Michigan ,
within Houghton County .
It covers approximately 191.87 square miles and serves a population of
501 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 906 .
About ZIP code 49965
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 $208,800. Owner-occupancy is high at 96%, well above the national average.
Median household income is $65,750. 52% 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. An above-average commute of 49 minutes suggests many residents work outside the immediate area.
Educational attainment is near the national average, with 23% of residents holding a bachelor's degree or higher.
Health indicators show elevated rates of smoking (21%) compared to national benchmarks.
Notable community characteristics include a notable veteran presence at 22% of civilians, above the national average of 7%.
Overall, ZIP code 49965 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.
49965 ZIP code map
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Cities in ZIP code 49965
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Nearby ZIP codes
Demographics
updated 06/2026
Population
Total population
501
Population density
3 / sq mi
State FIPS
26
County FIPS
061
Geography
Land area
191.87 sq mi
Water area
10.97 sq mi
Latitude
46.9616
Longitude
-88.8379
Timezone
Eastern (ET)
Area code
906
Economics
updated 06/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
39.1%
54.4%
42.6%
$50k – $100k
33.9%
27.3%
31.1%
$100k – $200k
6.9%
14.9%
20.6%
Over $200k
20.2%
3.5%
5.7%
Demographics & statistics
$65,750
Median household income
$208,800
Median home value
22.9%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 49 9.8% 18 and over 452 90.2% 65 and over 219 43.7% Median age 61.6 years
Race & ethnicity
American Indian / Alaska Native
1.4%
Group Count % White 469 92.5% Two or more races 18 3.6% Asian 7 1.4% American Indian / Alaska Native 7 1.4% Hispanic or Latino 6 1.2%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
39.1%
54.4%
42.6%
$50k – $100k
33.9%
27.3%
31.1%
$100k – $200k
6.9%
14.9%
20.6%
Over $200k
20.2%
3.5%
5.7%
Range % of households Under $10k 2.4% $10k–$15k 6.3% $15k–$25k 14.6% $25k–$35k 4.0% $35k–$50k 13.4% $50k–$75k 15.4% $75k–$100k 18.6% $100k–$150k 4.0% $150k–$200k 4.7% $200k+ 16.6% Median income $65,750
Housing
Housing overview
Metric Value Median home value $208,800 Median rent / month $0 Owner occupied 96.4% Renter occupied 3.6% Vacant 57.0% Single-family detached 92.9% Large apartment buildings 0.0% Mobile homes 7.1% Median rooms 5.0 Avg household size (owned) 1.99
Year built
Era % 2020 or later 0.9% 2010–2019 1.7% 2000–2009 13.9% 1990–1999 10.5% 1980–1989 9.0% 1970–1979 14.6% 1960–1969 9.4% 1950–1959 13.8% 1940–1949 7.5% 1939 or earlier 18.7%
Bedrooms
Size % of units No bedroom (studio) 2.4% 1 bedroom 13.8% 2 bedrooms 41.0% 3 bedrooms 34.0% 4 bedrooms 8.5% 5+ bedrooms 0.3%
Vehicles per household
Vehicles % of households No vehicle 1.6% 1 vehicle 30.8% 2 vehicles 33.2% 3 or more 34.4%
Heating fuel
Fuel type % Utility gas 9.5% Electricity 2.0% Propane / LP gas 66.8% Fuel oil 5.9% Wood 15.4%
Households & families
Household type Count % Married-couple family 134 53.0% Cohabiting couple 29 11.5% Male householder, no spouse 48 19.0% Female householder, no spouse 42 16.6% Households with children under 18 34 13.4% Households with seniors (65+) 142 56.1% Average household size 1.98
Marital status
Status Male Female Never married 15.3% 19.9% Married 61.4% 58.9% Separated 0.0% 0.0% Widowed 8.5% 7.9% Divorced 14.8% 13.3%
Education
Some college, no degree
34.6%
Graduate / professional
6.8%
Metric % HS diploma or higher 93.9% Bachelor's or higher 22.9%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 0 0.0% Kindergarten 0 0.0% Elementary school 13 30.2% High school 15 34.9% College / grad school 15 34.9%
Employment
Industry of employment
Education & healthcare
25.7%
Finance & real estate
18.3%
Professional & management
8.9%
Arts, food & hospitality
5.0%
Agriculture & mining
3.0%
Public administration
2.0%
Transportation & utilities
1.0%
Occupation
Category % Management, business & arts 47.0% Service 11.4% Sales & office 19.3% Natural resources & construction 9.4% Production & transportation 12.9%
Employment type
Type % Private sector 82.2% Government 14.9% Self-employed 3.0% Unpaid family workers 0.0%
Commute
Method % Drive alone 76.5% Carpool 15.5% Public transit 0.0% Walk 1.0% Work from home 7.0% Other means 0.0% Avg commute (minutes) 48.7
Poverty
Married-couple families
0.0%
Female-led households
34.6%
Income support
Source % of households Social Security 52.2% Retirement income 32.8% Supplemental Security 4.7% Cash public assistance 0.8% Food stamps / SNAP 2.4%
Health indicators
Condition % Obesity 35.8% High blood pressure 41.3% High cholesterol 41.6% Diabetes 14.2% Heart disease 9.5% Stroke 4.1% Asthma 10.7% Arthritis 36.5% Kidney disease 3.7% Pulmonary disease 10.5% Cancer 8.6%
Behavior / access % Smoking 20.9% Binge drinking 17.1% No physical activity 22.9% Less than 7 hrs sleep 31.6% Depression 21.6% Fair or poor health 17.5% Poor mental health 14.8% Poor physical health 13.0% No health insurance 9.0% Visited doctor (checkup) 75.9% Visited dentist 66.0% Cholesterol screening 93.1% Teeth loss 13.3%
Veterans & disability
Veterans Count % Civilian veterans 99 21.9%
Disability % Any disability 16.6% Under 18 0.0% 18–64 years 21.0% 65 and over 15.5%
Health insurance coverage
Type % Private insurance 76.8% Public insurance 55.5% No insurance 3.2% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 491 98.0% Spanish 9 1.8% Other Indo-European 0 0.0% Asian & Pacific Islander 2 0.4% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 489 97.6% Born in same state 487 97.2% Born in different state 344 68.7% Foreign born 2 0.4% Naturalized citizen 12 2.4% Not a US citizen 12 100.0%
Ancestry
Ancestry Count % French 53 10.6% Italian 49 9.8% Polish 24 4.8% Arab 20 4%
Ancestry Count % Irish 6 1.2% German 4 0.8% Dutch 1 0.2%
Technology access
Metric % of households Computer access 50.5% Internet access 81.8%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 49965
What city is ZIP code 49965 in?
ZIP code 49965 is primarily assigned to Toivola, Michigan.
What county is ZIP code 49965 in?
ZIP code 49965 falls within Houghton County, Michigan.
Does ZIP code 49965 have an older population?
44% of residents in ZIP code 49965 are 65 or older, above the national average of ~17%.
Is ZIP code 49965 mostly owner-occupied?
96% of occupied units in ZIP code 49965 are owner-occupied, well above the national average.
Does ZIP code 49965 have a large retiree population?
52% of households in ZIP code 49965 receive Social Security income, suggesting a significant retiree or disability population.
Does ZIP code 49965 have a large veteran population?
22% of civilians in ZIP code 49965 are veterans, above the national average of ~7%.
What timezone is ZIP code 49965 in?
ZIP code 49965 observes the EST timezone.
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