Otter Lake ZIP Code List — Lapeer County, MI

There is one unique ZIP code in Otter Lake, Michigan and it is 48464. Area code: 810.

ZIP codes

17.03

sq mi land

0.50

sq mi water

810

area code

Otter Lake, MI ZIP code map

About Otter Lake, MI

Otter Lake is a quaint village located in Michigan, specifically nestled within Lapeer County. This charming community offers a serene environment that is perfect for those seeking a peaceful retreat from urban life. With its unique blend of natural beauty and small-town charm, Otter Lake attracts residents and visitors alike.

Location & geography

Otter Lake is situated in the eastern part of Michigan, within Lapeer County, approximately 20 miles northwest of Flint and about 40 miles east of Lansing. The village covers a total land area of 17.03 square miles and features 0.50 square miles of water, giving it a beautiful landscape that includes both terrestrial and aquatic habitats. Surrounded by lush greenery and local lakes, Otter Lake provides ample opportunities for outdoor recreational activities.

Community & economy

The community in Otter Lake is tightly knit, fostering a sense of belonging among its residents. Daily life here typically revolves around local gatherings, family-oriented events, and outdoor activities that highlight the area's natural beauty. While the local economy may not have extensive industrial presence, the village supports small businesses that cater to the needs of its residents and visitors.

Transportation

Otter Lake is conveniently accessed via several local roads, with primary routes including M-24 providing connections to larger cities in the region. Those wishing to travel further will find the nearest major airport in Flint, which serves as the main hub for air travel. Public transportation options may be limited, but the small-town atmosphere allows for easy navigation by personal vehicle.

History

Otter Lake, MI, was founded in the late 19th century and has a rich history tied to the logging and agriculture industries. Over the years, the village has evolved, yet it has preserved its small-town charm, attracting visitors with its picturesque views and recreational lakes. Notable events in its history include community festivals and outdoor celebrations that bring residents together.

Did you know?

One surprising fact about Otter Lake is that despite its small size, it is known for its scenic lakes, making it a popular spot for fishing, boating, and other water-based activities. Additionally, the village embodies the quintessential spirit of rural Michigan living, where neighbors know each other and community events are highly valued.

ZIP codes for Otter Lake, MI (1)

ZIP code	City	County	Map
48464	Otter Lake	Lapeer	View map

Demographics & statistics

1,999

Population

55.2

Median age

$59,205

Median household income

$34,881

Per capita income

$158,800

Median home value

$1,188

Median monthly rent

92.9%

Home ownership

9.8%

Poverty rate

6.9%

Unemployment

1,066

Housing units

15.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

155

45–54

129

128

55–59

107

103

60–64

173

65–74

145

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	271	13.6%
18 and over	1,728	86.4%
65 and over	586	29.3%
Median age	55.2 years

Race & ethnicity

White 94.2%

Two or more races 3.4%

Asian 1.4%

Hispanic or Latino 0.4%

American Indian / Alaska Native 0.3%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	1,892	94.2%
Two or more races	68	3.4%
Asian	29	1.4%
Hispanic or Latino	9	0.4%
American Indian / Alaska Native	7	0.3%
Native Hawaiian / Pacific Islander	2	0.1%

Household income

Under $10k 4.3%

$10k–$15k 1.5%

$15k–$25k 7.3%

$25k–$35k 14.4%

$35k–$50k 15.6%

$50k–$75k 19.3%

$75k–$100k 13.1%

$100k–$150k 14.5%

$150k–$200k 4.8%

$200k+ 5.1%

Range	% of households
Under $10k	4.3%
$10k–$15k	1.5%
$15k–$25k	7.3%
$25k–$35k	14.4%
$35k–$50k	15.6%
$50k–$75k	19.3%
$75k–$100k	13.1%
$100k–$150k	14.5%
$150k–$200k	4.8%
$200k+	5.1%
Median income	$59,205

Housing

Home values

Under $50k 8.2%

$50k–$100k 13.4%

$100k–$150k 25.9%

$150k–$200k 10.9%

$200k–$300k 29.7%

$300k–$500k 9.8%

$500k–$1M 2.0%

Housing overview

Metric	Value
Median home value	$158,800
Median rent / month	$1,188
Owner occupied	92.9%
Renter occupied	7.1%
Vacant	22.3%
Single-family detached	84.9%
Large apartment buildings	0.0%
Mobile homes	4.3%
Median rooms	5.9
Avg household size (owned)	2.28

Year built

Era	%
2020 or later	0.0%
2010–2019	1.2%
2000–2009	9.0%
1990–1999	15.2%
1980–1989	8.7%
1970–1979	10.9%
1960–1969	11.6%
1950–1959	8.3%
1940–1949	6.9%
1939 or earlier	28.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	2.7%
2 bedrooms	27.0%
3 bedrooms	52.9%
4 bedrooms	10.2%
5+ bedrooms	7.2%

Vehicles per household

Vehicles	% of households
No vehicle	1.5%
1 vehicle	30.8%
2 vehicles	36.9%
3 or more	30.8%

Heating fuel

Fuel type	%
Utility gas	48.2%
Electricity	5.3%
Propane / LP gas	30.8%
Fuel oil	4.2%
Wood	11.0%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	504	57.5%
Cohabiting couple	22	2.5%
Male householder, no spouse	189	21.6%
Female householder, no spouse	161	18.4%
Households with children under 18	200	22.8%
Households with seniors (65+)	412	47.0%
Average household size	2.28

Marital status

Status	Male	Female
Never married	24.6%	11.2%
Married	54.6%	63.1%
Separated	0.3%	1.1%
Widowed	7.5%	14.2%
Divorced	13.0%	10.3%

Education

Less than 9th grade 2.5%

Some HS, no diploma 10.0%

HS graduate 41.7%

Some college, no degree 21.5%

Associate's degree 9.0%

Bachelor's degree 10.5%

Graduate / professional 4.7%

Metric	%
HS diploma or higher	87.4%
Bachelor's or higher	15.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	5	1.6%
Kindergarten	18	5.9%
Elementary school	140	46.1%
High school	88	28.9%
College / grad school	53	17.4%

Employment

Industry of employment

Manufacturing 25.2%

Retail trade 16.0%

Construction 15.5%

Other services 9.6%

Education & healthcare 8.2%

Professional & management 5.9%

Finance & real estate 5.3%

Public administration 4.1%

Transportation & utilities 3.9%

Arts, food & hospitality 3.5%

Wholesale trade 1.9%

Agriculture & mining 0.6%

Information 0.3%

Occupation

Category	%
Management, business & arts	27.0%
Service	11.2%
Sales & office	27.6%
Natural resources & construction	14.5%
Production & transportation	19.8%

Employment type

Type	%
Private sector	85.2%
Government	12.2%
Self-employed	2.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	72.7%
Carpool	16.4%
Public transit	1.3%
Walk	2.7%
Other means	0.1%
Avg commute (minutes)	41.0

Poverty

All people 9.8%

Under 18 years 15.0%

18 and over 9.0%

Married-couple families 3.8%

Female-led households 11.8%

Income support

Source	% of households
Social Security	53.2%
Retirement income	42.9%
Supplemental Security	9.1%
Cash public assistance	2.6%
Food stamps / SNAP	13.6%

Health indicators

Condition	%
High blood pressure	35.4%
High cholesterol	35.5%
Heart disease	7.3%
Stroke	3.4%
Asthma	11.3%
Arthritis	30.9%
Kidney disease	3.1%
Pulmonary disease	9.2%
Cancer	6.7%

Behavior / access	%
Binge drinking	19.5%
No physical activity	25.0%
Less than 7 hrs sleep	35.7%
Fair or poor health	16.9%
Poor mental health	17.8%
Poor physical health	12.6%
No health insurance	10.9%
Visited doctor (checkup)	73.1%
Visited dentist	65.9%
Cholesterol screening	90.2%
Teeth loss	14.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	239	13.8%

Disability	%
Any disability	21.4%
Under 18	4.1%
18–64 years	15.0%
65 and over	41.8%

Health insurance coverage

Type	%
Private insurance	73.0%
Public insurance	52.5%
Uninsured under 19	8.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,947	97.4%
Spanish	15	0.8%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	15	0.8%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,959	98.0%
Born in same state	1,928	96.4%
Born in different state	1,625	81.3%
Foreign born	31	1.6%
Naturalized citizen	40	2.0%
Not a US citizen	29	72.5%

Ancestry

Ancestry	Count	%
Italian	447	22.4%
French	383	19.2%
Arab	119	6%
German	51	2.6%

Ancestry	Count	%
English	37	1.9%
Polish	24	1.2%
Irish	16	0.8%
Dutch	2	0.1%

Technology access

Metric	% of households
Computer access	43.8%
Internet access	86.4%

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

Frequently asked questions

What is the ZIP code for Otter Lake, MI?

Otter Lake, MI has one ZIP code: 48464.

What is the main ZIP code for Otter Lake, MI?

The primary ZIP code for Otter Lake, MI is 48464. The city uses area code 810 for phone service.

What county is Otter Lake, MI in?

Otter Lake is located in Lapeer County, Michigan.

How many ZIP codes are in Otter Lake, MI?

Otter Lake, MI has 1 ZIP code.

What is the ZIP code for the downtown area of Otter Lake in Lapeer County?

The downtown area of Otter Lake uses ZIP code 48464, which serves the central business district and historic core of this small Lapeer County community.

Which ZIP code covers the residential neighborhoods around Otter Lake village?

Residential areas throughout Otter Lake, including neighborhoods near the lake itself, are served by ZIP code 48464, the sole ZIP code for this municipality.