49795 ZIP Code — Vanderbilt, MI

Otsego County, Michigan

ZIP code 49795 is located in Vanderbilt, Michigan, within Otsego County. It covers approximately 133.95 square miles and serves a population of 1,972 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 989.

About ZIP code 49795

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 $153,600. Owner-occupancy is high at 82%, well above the national average.

Median household income is $55,787. 39% 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 20 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 (22%) compared to national benchmarks.

Overall, ZIP code 49795 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

1,972

population

133.95

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49795 ZIP code map

Cities in ZIP code 49795

Below are the cities the US Postal Service accepts for ZIP code 49795. Using any city not on this list may result in mail delivery delays.

City	Status
Vanderbilt	Preferred

Nearby ZIP codes

49799 Wolverine (7.6 mi) 49705 Afton (11.3 mi) 49735 Gaylord (13.4 mi) 49713 Boyne Falls (13.9 mi) 49751 Johannesburg (14.1 mi) 49730 Elmira (16.5 mi) 49749 Indian River (17 mi) 49765 Onaway (19.3 mi)

Demographics updated 07/2026

Population
Total population	1,972
Population density	15 / sq mi
State FIPS	26
County FIPS	137

Geography
Land area	133.95 sq mi
Water area	0.93 sq mi
Latitude	45.1773
Longitude	-84.5729
Timezone	Eastern (ET)
Area code	989

Total population by age

Gender

Race & ethnicity

Economics updated 07/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	52.0%	45.8%	42.6%
$50k – $100k	34.2%	34.1%	31.1%
$100k – $200k	12.5%	17.9%	20.6%
Over $200k	1.4%	2.3%	5.7%

Demographics & statistics

1,972

Population

People per sq mi

45.7

Median age

$55,787

Median household income

$30,671

Per capita income

$153,600

Median home value

$919

Median monthly rent

82.3%

Home ownership

16.3%

Poverty rate

7.3%

Unemployment

1,059

Housing units

15.4%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

110

10–14

15–19

20–24

125

25–34

122

35–44

132

45–54

105

125

55–59

111

60–64

122

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	414	21.0%
18 and over	1,558	79.0%
65 and over	354	18.0%
Median age	45.7 years

Race & ethnicity

White 95.5%

Two or more races 2%

Hispanic or Latino 1.5%

Black or African American 0.5%

American Indian / Alaska Native 0.2%

Asian 0.1%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	1,913	95.5%
Two or more races	40	2%
Hispanic or Latino	31	1.5%
Black or African American	10	0.5%
American Indian / Alaska Native	4	0.2%
Asian	3	0.1%
Native Hawaiian / Pacific Islander	2	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	52.0%	45.8%	42.6%
$50k – $100k	34.2%	34.1%	31.1%
$100k – $200k	12.5%	17.9%	20.6%
Over $200k	1.4%	2.3%	5.7%

Under $10k 7.9%

$10k–$15k 4.5%

$15k–$25k 6.0%

$25k–$35k 15.5%

$35k–$50k 8.6%

$50k–$75k 21.6%

$75k–$100k 7.1%

$100k–$150k 21.6%

$150k–$200k 4.8%

$200k+ 2.5%

Range	% of households
Under $10k	7.9%
$10k–$15k	4.5%
$15k–$25k	6.0%
$25k–$35k	15.5%
$35k–$50k	8.6%
$50k–$75k	21.6%
$75k–$100k	7.1%
$100k–$150k	21.6%
$150k–$200k	4.8%
$200k+	2.5%
Median income	$55,787

Housing

Home values

Under $50k 3.6%

$50k–$100k 19.1%

$100k–$150k 25.6%

$150k–$200k 20.9%

$200k–$300k 16.4%

$300k–$500k 8.9%

$500k–$1M 2.4%

$1M+ 3.1%

Housing overview

Metric	Value
Median home value	$153,600
Median rent / month	$919
Owner occupied	82.3%
Renter occupied	17.7%
Vacant	32.3%
Single-family detached	86.8%
Large apartment buildings	0.8%
Mobile homes	11.3%
Median rooms	5.1
Avg household size (owned)	2.48

Year built

Era	%
2020 or later	0.0%
2010–2019	2.5%
2000–2009	17.1%
1990–1999	19.4%
1980–1989	16.6%
1970–1979	16.5%
1960–1969	14.1%
1950–1959	3.9%
1940–1949	4.1%
1939 or earlier	5.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.6%
1 bedroom	8.8%
2 bedrooms	33.6%
3 bedrooms	44.9%
4 bedrooms	9.6%
5+ bedrooms	2.6%

Vehicles per household

Vehicles	% of households
No vehicle	7.4%
1 vehicle	24.8%
2 vehicles	40.5%
3 or more	27.4%

Heating fuel

Fuel type	%
Utility gas	34.2%
Electricity	4.7%
Propane / LP gas	36.7%
Fuel oil	1.3%
Wood	20.0%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	410	50.3%
Cohabiting couple	57	7.0%
Male householder, no spouse	183	22.5%
Female householder, no spouse	165	20.2%
Households with children under 18	189	23.2%
Households with seniors (65+)	258	31.7%
Average household size	2.40

Marital status

Status	Male	Female
Never married	25.6%	19.6%
Married	56.4%	58.1%
Separated	1.1%	1.7%
Widowed	2.4%	8.5%
Divorced	14.5%	12.1%

Education

Less than 9th grade 2.3%

Some HS, no diploma 9.7%

HS graduate 39.6%

Some college, no degree 25.9%

Associate's degree 7.2%

Bachelor's degree 10.4%

Graduate / professional 5.0%

Metric	%
HS diploma or higher	88.0%
Bachelor's or higher	15.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	13	3.4%
Kindergarten	22	5.7%
Elementary school	238	62.1%
High school	65	17.0%
College / grad school	45	11.7%

Employment

Industry of employment

Education & healthcare 17.0%

Retail trade 15.7%

Manufacturing 14.4%

Professional & management 8.9%

Transportation & utilities 8.3%

Arts, food & hospitality 8.2%

Construction 6.9%

Other services 6.0%

Public administration 6.0%

Agriculture & mining 4.2%

Finance & real estate 2.0%

Wholesale trade 1.9%

Information 0.5%

Occupation

Category	%
Management, business & arts	25.1%
Service	18.1%
Sales & office	17.7%
Natural resources & construction	18.1%
Production & transportation	21.1%

Employment type

Type	%
Private sector	81.4%
Government	12.3%
Self-employed	6.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	85.8%
Carpool	5.6%
Public transit	0.0%
Walk	0.7%
Work from home	7.6%
Other means	0.2%
Avg commute (minutes)	20.1

Poverty

All people 16.3%

Under 18 years 26.2%

18 and over 13.7%

Married-couple families 11.7%

Female-led households 24.2%

Income support

Source	% of households
Social Security	38.5%
Retirement income	21.8%
Supplemental Security	5.2%
Cash public assistance	2.1%
Food stamps / SNAP	13.3%

Health indicators

Condition	%
Obesity	37.5%
High blood pressure	37.3%
High cholesterol	38.9%
Diabetes	12.4%
Heart disease	8.2%
Stroke	3.7%
Asthma	11.2%
Arthritis	33.5%
Kidney disease	3.4%
Pulmonary disease	9.6%
Cancer	7.9%

Behavior / access	%
Smoking	21.8%
Binge drinking	17.9%
No physical activity	22.7%
Less than 7 hrs sleep	33.4%
Depression	22.1%
Fair or poor health	16.6%
Poor mental health	16.2%
Poor physical health	12.5%
No health insurance	9.8%
Visited doctor (checkup)	74.8%
Visited dentist	67.0%
Cholesterol screening	91.7%
Teeth loss	14.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	143	9.2%

Disability	%
Any disability	19.3%
Under 18	9.7%
18–64 years	17.2%
65 and over	37.6%

Health insurance coverage

Type	%
Private insurance	66.1%
Public insurance	51.6%
No insurance	7.1%
Uninsured under 19	1.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,907	96.7%
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)	1,927	97.7%
Born in same state	1,924	97.6%
Born in different state	1,698	86.1%
Foreign born	3	0.2%
Naturalized citizen	45	2.3%
Not a US citizen	6	13.3%

Ancestry

Ancestry	Count	%
Italian	334	16.9%
French	319	16.2%
Arab	250	12.7%
English	59	3%
German	42	2.1%

Ancestry	Count	%
Norwegian	12	0.6%
Dutch	12	0.6%
Polish	10	0.5%
Irish	3	0.2%

Technology access

Metric	% of households
Computer access	41.3%
Internet access	95.2%

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

Frequently asked questions about ZIP code 49795

What city is ZIP code 49795 in?

ZIP code 49795 is primarily assigned to Vanderbilt, Michigan.

What county is ZIP code 49795 in?

ZIP code 49795 falls within Otsego County, Michigan.

Is ZIP code 49795 mostly owner-occupied?

82% of occupied units in ZIP code 49795 are owner-occupied, well above the national average.

What is the poverty rate in ZIP code 49795?

16% of residents in ZIP code 49795 live below the poverty line, above the national average.

Does ZIP code 49795 have a large retiree population?

39% of households in ZIP code 49795 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 49795?

The median home value in ZIP code 49795 is $153,600.

What timezone is ZIP code 49795 in?

ZIP code 49795 observes the EST timezone.