| City: | Elberta, Michigan |
| County: | Benzie County |
| Timezone: | Eastern (GMT -05:00) |
| Local Time: | 8:04:51 AM |
| Population: | 329 [See All] |
| Area Code: | 231 |
| Classification: | PO Box |
| Coordinates: | 44.6184, -86.2268 |
| Land Area: | 0.748 sq mi |
| Quick Link: |
The median age here is 51.3 years, with a population that skews older than typical Michigan communities. About a quarter of housing units (23% of the 228 total units) sit vacant seasonally, pointing to some vacation home presence along Lake Michigan's eastern shore. Median household income reaches $125,938, and median home values stand at $272,400. The community has maintained a small commercial base with 12 businesses, though employment data shows just 35 jobs within the ZIP code itself.
Frankfort Avenue dominates the street delivery landscape with multi-unit buildings containing apartments, offices, and suites. The remaining streets—Crapo, Lincoln, Van Brocklin, and Washington—each have minimal delivery infrastructure. Presidential street names (Lincoln, Washington) mix with locally significant names like Frankfort Avenue, referencing the neighboring city across Betsie Lake.
ZIP Code 49628 has 329 residents and 160 households (average 2.06 persons per household). The median age is 51.3 years, significantly older than the state (40.1) and significantly older than the nation (38.8). The gender split is 49.8% male and 50.2% female, which is about the same as the national male share (49.1%). Largest groups are White (94.8%, much higher than the state average of 73.9% and well above the national average of 61.6%) and Hispanic or Latino (4.9%); Hispanic or Latino residents make up 4.9%, which is much lower than the national average (18.7%).
Explore More:Population Over TimeBy Age & GenderBy RaceBy GenderNativity & Citizenship
| 2020 Population: | 329Source: Census DHC |
| 2024 ACS Population Estimate: | 174Source: Census ACS |
| 2026 ZC Population Estimate: | 0Source: ZIP-Codes.com |
| Population Density: | 439.8 people per sq mile |
| Average Income: | $114,375Source: Census ACS |
| Households: | 160Source: Census DHC |
| Average House Value: | $267,600Source: Census ACS |
| Persons Per Household: | 2.06Source: Census DHC |
| Average Family Size: | 3.27Source: Census ACS |
| Group | 2010 | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Census ACS Population Estimate | -- | 305 | 301 | 251 | 221 | 208 | 163 | 185 | 167 | 165 | 190 | 295 | 225 | 181 | 174 |
| Decennial Census | 372 | -- | -- | -- | -- | -- | -- | -- | -- | -- | 329 | -- | -- | -- | -- |
Median Age: 51.3
Male Median Age: 46.3
Female Median Age: 55.8
| Group | < 5 | 5-9 | 10-14 | 15-19 | 20-24 | 25-29 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60-64 | 65-69 | 70-74 | 75-79 | 80-84 | 85+ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Male | 4 | 14 | 8 | 10 | 8 | 13 | 12 | 2 | 8 | 9 | 13 | 5 | 14 | 13 | 14 | 11 | 5 | 1 |
| Female | 12 | 4 | 5 | 6 | 8 | 6 | 10 | 7 | 5 | 8 | 9 | 20 | 16 | 18 | 10 | 7 | 10 | 4 |
| Total | 16 | 18 | 13 | 16 | 16 | 19 | 22 | 9 | 13 | 17 | 22 | 25 | 30 | 31 | 24 | 18 | 15 | 5 |
| White: | 312 | 94.55% |
| Black: | 0 | 0% |
| Hispanic:* | 16 | 4.85% |
| Asian: | 0 | 0% |
| American Indian: | 1 | 0.30% |
| Hawaiian: | 0 | 0% |
| Other: | 1 | 0.30% |
| Total: | 330 | 100% |
| Gender | Count | % | Median Age |
|---|---|---|---|
| Males: | 164 | 49.85% | 46.3 years |
| Females: | 165 | 50.15% | 55.8 years |
| Total: | 329 | 100% | 51.3 years |
| Native, born in the United States: | 174 | 100.00% |
| Native, born in PR, Island Areas, or abroad: | 0 | 0.00% |
| Foreign born, naturalized U.S. citizen: | 0 | 0.00% |
| Foreign born, not a U.S. citizen: | 0 | 0.00% |
| Total Population: | 174 | 100% |
| Total Native Population: | 174 | 100.00% |
| Total Foreign-born Population: | 0 | 0.00% |
In 2024, the Median household income is $114,375, which is far above the national median ($80,734), is up $75,625 (195.2%) since 2011 and above its 2019 pre-pandemic level by $61,458. Family households earn a median of $129,531 versus $72,250 for nonfamily households (a difference of $57,281). By gender, male median income is $86,250 and female is $45,667, which is far less than the national female median ($55,274), with a current gap of $40,583 that has widened from 2011 to 2024. The labor-force participation rate is 46.7%, which is much lower than the national rate (63.5%). The unemployment rate is 5.1%, which is about the same as the national rate (5.2%). The largest occupation group is Service (43.2%).
Explore More:Income Over TimeHousehold IncomeEmployment StatusBy Occupation
| Income Type | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Household Income | $38,750 | $41,042 | $32,292 | $37,000 | $45,179 | $34,688 | $33,125 | $55,000 | $52,917 | $72,614 | $76,750 | $84,500 | $125,938 | $114,375 |
| Median Family Income | $44,375 | $45,750 | $41,563 | $46,771 | $47,143 | $46,250 | $45,833 | $61,500 | $61,042 | $74,167 | $110,938 | $121,875 | $158,438 | $129,531 |
| Median NonFamily Income | $22,188 | $23,125 | $23,611 | $17,188 | $16,875 | $15,000 | $22,500 | $0 | $0 | $60,625 | $31,563 | $38,333 | $67,500 | $72,250 |
| Median Male Income | $30,357 | $33,333 | $29,808 | $34,792 | $0 | $45,625 | $30,750 | $46,875 | $46,250 | $46,250 | $72,955 | $78,365 | $83,839 | $86,250 |
| Median Female Income | $21,779 | $22,917 | $23,750 | $24,464 | $0 | $35,208 | $36,111 | $47,500 | $42,188 | $55,417 | $41,500 | $43,750 | $45,167 | $45,667 |
| Employed: | 74 | 44.31% |
| Unemployed: | 4 | 2.40% |
| Not In Labor Force: | 89 | 53.29% |
| Total: | 167 | 100% |
| Management, business, science, and arts: | 29 | 39.19% |
| Service: | 32 | 43.24% |
| Sales and Office: | 0 | 0.00% |
| Natural resources, construction, and maintenance: | 6 | 8.11% |
| Production, transportation, and material moving: | 7 | 9.46% |
| Total Civilian Employed Population: | 74 | 100% |
In 2024, the median home value is $267,600, which is far less than the national median ($332,700), is up $161,800 (152.93%) since 2011 and above its 2019 pre-pandemic level by $151,100. The median gross rent is $0, which is well under the national median ($1,413), is down $625 (100.00%) since 2011 and above its 2019 pre-pandemic level by $0. Of occupied housing, owners make up 95.71% (61.19% with a mortgage, 38.81% free-and-clear) and renters 4.29% - making this ZIP Code under national rental averages. The vacancy rate is 61.75%, which is much higher than the national rate (10.12%).
Explore More:Compare Home ValueHome Value Over TimeRent & Over TimeHousing Occupancy
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Home Value | $105,800 | $84,100 | $81,300 | $82,900 | $104,900 | $105,400 | $118,800 | $114,700 | $116,500 | $122,600 | $170,300 | $227,600 | $272,400 | $267,600 |
| Less than $500: | 0 | 0.00% |
| $500 to $999: | 3 | 100.00% |
| $1,000 to $1,499: | 0 | 0.00% |
| $1,500 to $1,999: | 0 | 0.00% |
| $2,000 to $2,499: | 0 | 0.00% |
| $2,500 to $2,999: | 0 | 0.00% |
| $3,000 or more: | 0 | 0.00% |
| No Rent: | 0 | 0.00% |
| Total: | 3 | 100% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Rent | $625 | $631 | $636 | $700 | $813 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Owner Occupied (with mortgage): | 41 | 58.57% |
| Owner Occupied (free and clear, no mortgage): | 26 | 37.14% |
| Renter Occupied: | 3 | 4.29% |
| Total Occupied Housing Units: | 70 | 100% |
| Occupied Housing Units: | 70 | 38.25% |
| Vacant Housing Units (not graphed): | 113 | 61.75% |
| Total Housing Units: | 183 | 100% |
| Single-Family Units: | 166 | 90.71% |
| Multi-Family Units: | 6 | 3.28% |
| Other Units: | 11 | 6.01% |
| Total Housing Units: | 183 | 100% |
In 2024, 35.80% of adults (25+) have a bachelor's degree or higher, which is comparable to the national rate (35.70%). High school or higher is 98.10%, which is far higher than the national rate (89.60%). The uninsured rate is 13.80%, which is comparable to the national rate (8.40%). The share of people in poverty is 0.00%, which is comparable to the national rate (8.80%), down 2.10 percentage points since 2011 and below its 2019 pre-pandemic level by 4.90 percentage points. This suggests a positive shift in the local economic and social landscape - higher incomes, steadier consumer demand, and a strengthening tax base. Among residents ages 3+, the largest enrollment group is college (94.12%). College enrollment is 94.12%, which is far higher than the national rate (26.70%), indicating the community is likely a college hub with student-driven housing and services.
Explore More:Educational AttainmentHealth InsurancePoverty Over TimeSchool Enrollment
| Less than 9th grade: | 3 | 1.85% |
| 9th to 12th grade, no diploma: | 0 | 0.00% |
| High school graduate (includes equivalency): | 45 | 27.78% |
| Some college, no degree: | 32 | 19.75% |
| Associate's degree: | 24 | 14.81% |
| Bachelor's degree: | 25 | 15.43% |
| Graduate or professional degree: | 33 | 20.37% |
| Total: | 162 | 100% |
| High school or higher: | 159 | 98.15% |
| Bachelor's degree or higher: | 58 | 35.80% |
| Private Insurance: | 119 | 51.07% |
| Public Insurance: | 90 | 38.63% |
| No Insurance: | 24 | 10.30% |
| Total: | 233 | 100% |
| Has Health Insurance: | 209 | 89.70% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| % of People in Poverty | 2.1% | 2.0% | 2.4% | 2.8% | 1.4% | 0.0% | 0.0% | 4.5% | 4.9% | 4.5% | 6.9% | 3.8% | 0.0% | 0.0% |
Note: Counts of Families & People in poverty are not published at the ZIP Code level due to small sample sizes. Percentages shown are survey estimates from the American Community Survey (ACS). They may differ from official poverty statistics. The U.S. Census Bureau defines poverty status by comparing a family's or individual's total income with federal poverty thresholds that vary by family size and composition.
| Nursery School, Preschool: | 1 | 5.88% |
| Kindergarten: | 0 | 0.00% |
| Elementary school (grades 1-8): | 0 | 0.00% |
| High school (grades 9-12): | 0 | 0.00% |
| College or graduate school: | 16 | 94.12% |
| Total: | 17 | 100% |
| Early Childhood: | 1 | 5.88% |
| K-12 (Primary & Secondary School): | 0 | 0.00% |
ZIP Code 49628 supports both business and residential activity. According to the Business Census (2024), there are 14 business establishments, employing about 35 people with an annual payroll of $1,809,000.
| # Residential Mailboxes: | 0Source: USPS |
| # Business Mailboxes: | 0Source: USPS |
| Total Delivery Receptacles: | 153Source: USPS |
| Single Family Delivery Units: | 0Source: USPS |
| Multi Family Delivery Units: | 0Source: USPS |
| # of Businesses: | 14Source: CBP |
| 1st Quarter Payroll: | $293,000Source: CBP |
| Annual Payroll: | $1,809,000Source: CBP |
| # of Employees: | 35Source: CBP |
ZIP Code 49628 is located in Benzie County, Michigan, within the Traverse City, MI Metropolitan Statistical Area (CBSA 45900) and Michigan's 1st Congressional District. This Metro area has a population of 143,372 people, about 0.23% of whom live in ZIP Code 49628. It covers 0.748 sq mi of land and a water area of 1.61 sq mi.
| CBSA Name: | Traverse City, MISource: Census |
| CBSA Number: | 45900Source: Census |
| CBSA Type: | MetroSource: Census |
| CBSA Division: | --Source: Census |
| CBSA Population: | 143,372Source: Census |
| MSA: | Source: Census |
| Land Area: | 0.748 sq miSource: Census |
| Water Area: | 1.61 sq miSource: Census |
| Congressional District: | 01Source: USPS |
| Congressional Land Area: | 25027.75 sq miSource: Census |
| PMSA: | Source: Census |
| Intro Date: | < 2004-10Source: ZIP-Codes.com |
| Place FIPS Code: | 2625180Source: Census |
| Place Name: | Elberta village; MichiganSource: Census |
We could not locate which school district 49628 belongs to, but we will update this once new district data is released. There are no public schools nor private schools with a mailing address in this ZIP Code. Listing Nearby schools instead. It also has 6 colleges, universities or post secondary education institutions nearby which would be a short commute to.
Our sources include trusted federal and licensed data from the United States Postal Service, U.S. Census Bureau, U.S. Geological Survey, Centers for Medicare & Medicaid Services, and the National Center for Education Statistics, along with proprietary datasets created by ZIP-Codes.com. Data last updated on February 1, 2026.