The 49078 ZIP Code is associated with the city of Otsego in Michigan in Allegan County in the United States. The current population estimate is 9,452. In this Michigan region, an estimated 87.7% have a high school degree or higher, and the per capita income is approximately $26,825. Median househould income in this region is $53,223, while about 8% of the population lives below the poverty line. The median age in ZIP Code 49078 is approximately 41.3 years, and 19.2% of the region's residents are aged 62 years and older.
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The median household income in ZIP Code 49078 is $53,223, while the region's mean household income is $67,009. Breaking income down further, per capita income in the region is $26,825. The per capita income in ZIP Code 49078 of $26,825 is approximately 15.41% less than the per capita income in the U.S. overall of $31,713. An estimated 7.9% of the population is living below the poverty line in this region. This rate is approximately 16.84% lower than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 18.3% of the population in 49078 earn $35,000 to $49,999 per year, while an estimated 16.3% earn $50,000 to $74,999 per year, and 2.1% of 49078 residents earn $200,000 or more per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 5.6% |
| $10,000 to $14,999 per year | 4.3% |
| $15,000 to $24,999 per year | 5.7% |
| $25,000 to $34,999 per year | 13.8% |
| $35,000 to $49,999 per year | 18.3% |
| $50,000 to $74,999 per year | 16.3% |
| $75,000 to $99,999 per year | 13.6% |
| $100,000 to $149,999 per year | 15.7% |
| $150,000 to $199,999 per year | 4.7% |
| $200,000 or more per year | 2.1% |
Looking at race in the population that makes up ZIP Code 49078, 95.9% is one race, while 4.1% are two or more races. Approximately 1.6% of 49078 residents are hispanic or Latino (of any race). The most common race in 49078 (race alone or in combination with one or more other races), is White (98.6%), followed by American Indian and Alaska Native (3.0%) .
| Industry | Percent |
|---|---|
| White | 98.6% |
| Black or African American | 2.7% |
| American Indian and Alaska Native | 3.0% |
| Asian | 0.6% |
| Native Hawaiian and Other Pacific Islander | 0.0% |
| Some other race | 0.0% |
Residents of ZIP Code 49078 are older than average. The median age of 41.3 years in ZIP Code 49078 is approximately 8.4% higher than the overall median age in the U.S. of 38.1 years. About 78.7% of residents are aged 18 years and older, and 19.2% of residents are 62 years and over. Approximately 15.4% of the population in 49078 falls in the age group 45 to 54 years, while an estimated 13.0% are aged 35 to 44 years. On the low end of the scale, 1.8% of 49078 residents are aged 85 years and over.
| Age Range | Percent |
|---|---|
| Under 5 years | 5.0% |
| 5 to 9 years | 4.7% |
| 10 to 14 years | 7.9% |
| 15 to 19 years | 7.6% |
| 20 to 24 years | 4.9% |
| 25 to 34 years | 10.6% |
| 35 to 44 years | 13.0% |
| 45 to 54 years | 15.4% |
| 55 to 59 years | 8.1% |
| 60 to 64 years | 7.2% |
| 65 to 74 years | 7.8% |
| 75 to 84 years | 6.0% |
| 85 years and over | 1.8% |
In ZIP Code 49078, 95.9% of the population lists "English only" as the language spoken in home, while 1.7% of lists Spanish. Additionally, Asian and Pacific Islander languages are spoken in 1.4% of homes, and other Indo-European languages are spoken in 0.8% of homes. Lastly, 0.1% of homes list "other languages" as spoken in the home. All percentages referenced are for the population 5 years and older in this Allegan County region.
| Language Spoken | Percent |
|---|---|
| English only | 95.9% |
| Spanish | 1.7% |
| Other Indo-European languages | 1.4% |
| Asian and Pacific Islander languages | 0.8% |
| Other languages | 0.1% |
Regarding the age of homes in ZIP Code 49078, an estimated 29.2% of homes were built in 1939 or earlier. Additionally, 16.5% of homes in the region were built between 1970 and 1979, while an estimated 1.0% of homes were built in 2014 or later in this Allegan County region.
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 1.0% |
| Built between 2010 and 2013 | 2.1% |
| Built between 2000 and 2009 | 5.8% |
| Built between 1990 and 1999 | 14.0% |
| Built between 1980 and 1989 | 8.7% |
| Built between 1970 and 1979 | 16.5% |
| Built between 1960 and 1969 | 9.2% |
| Built between 1950 and 1959 | 8.8% |
| Built between 1940 and 1949 | 4.8% |
| Built in 1939 or earlier | 29.2% |
In ZIP Code 49078, 87.7% of the population graduated high school, while 16.0% have a bachelor's degree or higher. In this region, 3.0% achieved an education level less than 9th grade, while 6.7% hold a graduate or professional degree. Approximately 39.5% in this Allegan County region reached the highest level of high school graduate (including equivalency).
| Education Level | Percent |
|---|---|
| Less than 9th grade | 3.0% |
| 9th to 12th grade, no diploma | 9.4% |
| High school graduate (includes equivalency) | 39.5% |
| Some college, no degree | 24.8% |
| Associate's degree | 7.3% |
| Bachelor's degree | 9.4% |
| Graduate or professional degree | 6.7% |
| Health Issue | Percent of adults* |
|---|
One of the top preventative health measures in ZIP Code 49078 is current access to health insurance, as an estimated 93.2% of adults 18 and older take part in this preventive measure. Additionally, % of those 18 and above in 49078 list , as a preventive measure.
| Preventive Measure | Percent of adults* |
|---|---|
| Current access to health insurance | 93.2% |
| Risk Behavior | Percent of adults* |
|---|
Regarding solar power potential, ZIP Code 49078 has an average daily solar radiation level of 4.53 kWh/m2/day. This is approximately 9.95% greater than an area in the U.S. with historically low solar radiation levels (WA), and about 31.26% less than an area in the U.S. with historically high solar radiation levels (AZ).
| Region | Residential | Commercial | Industrial |
|---|---|---|---|
| ZIP Code 49078 | 14.29¢/kWh | 11.29¢/kWh | 7.18¢/kWh |
| Michigan | 19.67¢/kWh | 13.86¢/kWh | 8.19¢/kWh |
| United States | 16.63¢/kWh | 13.39¢/kWh | 8.72¢/kWh |
| Month | ZIP Code 49078 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 2.27 | 1.9 | 5.84 |
| Feb | 3.39 | 3 | 6.31 |
| Mar | 4.73 | 3.65 | 7.02 |
| Apr | 5.39 | 5.13 | 7.3 |
| May | 5.4 | 5.17 | 7.13 |
| Jun | 5.98 | 5.72 | 6.95 |
| Jul | 6.23 | 6.22 | 6.51 |
| Aug | 5.93 | 6.08 | 6.65 |
| Sep | 5.45 | 5.15 | 7.02 |
| Oct | 4.16 | 3.32 | 6.92 |
| Nov | 3.01 | 2.33 | 5.99 |
| Dec | 2.36 | 1.78 | 5.46 |
Regarding consumer complaints about financial products in ZIP Code 49078, credit card or prepaid card have received the most complaints in 49078 in the past 12 months. Debt collection received the second most complaints. The most frequent complaint overall in this Allegan County region was improper use of a report.
| Complaint Product | Number of Complaints* |
|---|---|
| Credit card or prepaid card | 3 |
| Debt collection | 1 |
| Money transfer, virtual currency, or money service | 1 |
| Complaint Issue | Number of Complaints* |
|---|---|
| Improper use of your report | 2 |
| Trouble accessing funds in your mobile or digital wallet | 1 |
| Unexpected or other fees | 1 |
| Written notification about debt | 1 |
In 49078, 62.5% of the population is in the labor force. Recent estimates place 2.7% as working from home, while the total labor force in the region has a mean travel to time to work of 25.9 minutes. Approximately 30.1% of the employed population 16 years and over in 49078 work in manufacturing, while an estimated 18.6% work in educational services, and health care and social assistance. On the lower end of the scale, just 1.0% of 49078 workers 16 years and over work in information.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 1.7% |
| Construction | 7.7% |
| Manufacturing | 30.1% |
| Wholesale trade | 1.6% |
| Retail trade | 12.0% |
| Transportation and warehousing, and utilities | 4.0% |
| Information | 1.0% |
| Finance and insurance, and real estate and rental and leasing | 4.1% |
| Professional, scientific, management, and administrative | 5.5% |
| Educational services, and health care and social assistance | 18.6% |
| Arts, entertainment, and recreation, and accommodation and food services | 8.0% |
| Other services, except public administration | 4.3% |
| Public administration | 1.4% |