Toivola ZIP Code List — Houghton County, MI

There is one unique ZIP code in Toivola, Michigan and it is 49965. Area code: 906.

ZIP codes

191.87

sq mi land

10.97

sq mi water

906

area code

Toivola, MI ZIP code map

About Toivola, MI

Toivola is a quaint community located in the northern part of Michigan. Nestled within Houghton County, it exemplifies the charm of small-town life while being surrounded by the stunning natural beauty of the Upper Peninsula. This area is characterized by its lush forests and numerous lakes, making it an appealing destination for outdoor enthusiasts.

Location & geography

Toivola is situated approximately 20 miles northwest of Houghton and about 25 miles southeast of Ontonagon, giving it a strategic location within the region. The city boasts a vast land area of 191.87 square miles complemented by 10.97 square miles of water, providing ample opportunities for fishing, boating, and other water activities. The landscape features rolling hills and dense woodlands, typical of the serene Upper Peninsula terrain.

Community & economy

The community of Toivola is known for its friendly atmosphere, where residents take pride in their close-knit relationships and local events. The economy is supported by industries such as forestry, agriculture, and tourism, which attract visitors seeking the natural beauty of the area. Daily life in Toivola often revolves around outdoor activities, with residents frequently enjoying hiking, hunting, and fishing throughout the year.

Transportation

Toivola is accessible via local roads, with the prominent M-26 highway providing a route for travelers heading to nearby cities. The nearest airport is Houghton County Memorial Airport, located roughly 20 miles to the southeast, offering regional flights for longer travel needs. Public transit options are limited, so most residents rely on personal vehicles for their daily commutes and errands.

History

Toivola was founded as a small rural community and has retained its tranquil charm over the years. Traditionally, key industries included logging and agriculture, with many families maintaining farms or working in the nearby timber industry. Notable events in the area's history include annual gatherings that celebrate the community's heritage and connection to nature.

Did you know?

One surprising fact about Toivola is its strong Finnish heritage, which is evident in local festivals and community events. This cultural influence adds a unique character to the area, enriching its traditions and community identity.

ZIP codes for Toivola, MI (1)

ZIP code	City	County	Map
49965	Toivola	Houghton	View map

Demographics & statistics

501

Population

61.6

Median age

$65,750

Median household income

$44,616

Per capita income

$208,800

Median home value

Median monthly rent

96.4%

Home ownership

7.8%

Poverty rate

16.2%

Unemployment

579

Housing units

22.9%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

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

White 92.5%

Two or more races 3.6%

Asian 1.4%

American Indian / Alaska Native 1.4%

Hispanic or Latino 1.2%

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

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%

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

Home values

Under $50k 3.3%

$50k–$100k 15.6%

$100k–$150k 18.4%

$150k–$200k 9.8%

$200k–$300k 20.5%

$300k–$500k 28.3%

$500k–$1M 4.1%

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

Less than 9th grade 0.5%

Some HS, no diploma 5.6%

HS graduate 25.0%

Some college, no degree 34.6%

Associate's degree 11.4%

Bachelor's degree 16.1%

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%

Manufacturing 13.9%

Construction 10.4%

Professional & management 8.9%

Retail trade 8.4%

Arts, food & hospitality 5.0%

Agriculture & mining 3.0%

Public administration 2.0%

Wholesale trade 1.5%

Information 1.5%

Transportation & utilities 1.0%

Other services 0.5%

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%
Other means	0.0%
Avg commute (minutes)	48.7

Poverty

All people 7.8%

Under 18 years 24.5%

18 and over 6.0%

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	%
High blood pressure	41.3%
High cholesterol	41.6%
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	%
Binge drinking	17.1%
No physical activity	22.9%
Less than 7 hrs sleep	31.6%
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%
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

What is the ZIP code for Toivola, MI?

Toivola, MI has one ZIP code: 49965.

What is the main ZIP code for Toivola, MI?

The primary ZIP code for Toivola, MI is 49965. The city uses area code 906 for phone service.

What county is Toivola, MI in?

Toivola is located in Houghton County, Michigan.

How many ZIP codes are in Toivola, MI?

Toivola, MI has 1 ZIP code.

What is the ZIP code for the Toivola area in Houghton County?

Toivola, Michigan uses the ZIP code 49965, which serves this small community in the Upper Peninsula.

If I'm sending mail to a residence in Toivola, MI near the Houghton County area, what ZIP code should I use?

You should use ZIP code 49965 for all mail addressed to Toivola, as it is the single ZIP code that covers the entire community.