ZIP Code Tabulation Area

49765

Onaway, MI · ACS 2020–2024

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Latest estimates

At a glance

U.S. Census Bureau American Community Survey 5-year estimates.

Total population
4,333
Median household income
$57,404
People below poverty
17.9%
Median home value
$124,000

Income

The median income of households in 49765 was $57,404. An estimated 7.1% of households had income below $10,000 a year and 2.5% had income of $200,000 or more.

Household Income in 49765 in 2020-2024

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Percent
Less than $10,000 7.1
$10,000 to $14,999 5.1
$15,000 to $24,999 7.2
$25,000 to $34,999 9.9
$35,000 to $49,999 16.8
$50,000 to $74,999 19.4
$75,000 to $99,999 13.5
$100,000 to $149,999 15.3
$150,000 to $199,999 3.2
$200,000 or more 2.5

Median Earnings for Full-Time Year-Round Workers by Sex in 49765 in 2020-2024

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Dollars
Male 58079
Female 40375

An estimated 62.8% of households received earnings. An estimated 46.5% of households received Social Security and an estimated 33.5 % of households received retirement income other than Social Security. The average income from Social Security was $22,048. These income sources are not mutually exclusive; that is, some households received income from more than one source.

Proportion of Households with Various Income Sources in 49765 in 2020-2024

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Percent
Earnings 62.8
Social Security 46.5
Retirement income 33.5
Supplemental Security Income (SSI) 8.4
Cash public assistance income 3.4

Poverty and Participation in Government Programs

In 2020-2024, 17.9 % of people were in poverty. An estimated 20.1% of children under 18 were below the poverty level, compared with 12.2% of people 65 years old and over. An estimated 19.8% of people 18 to 64 years were below the poverty level.

Poverty Rates in 49765 in 2020-2024

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Percent
People in poverty 17.9
Children under 18 years below poverty 20.1
People 65 years old and over below poverty 12.2
People 18 to 64 years below poverty 19.8

In 2020-2024, 17.8 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 45.2% of households that received SNAP had children under 18, and 40.1% of households that received SNAP had one or more people 60 years and over. An estimated 20.2% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 49765 in 2020-2024, 94.9% had health insurance coverage and 5.1% did not have health insurance coverage. Private coverage was 60.5% and public coverage was 56.1%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 2.4%.


In 2020-2024, 49765 had a total population of 4,333 - 2,189 (50.5%) females and 2,144 (49.5%) males. The median age was 49.8 years. An estimated 19.1% of the population was under 18 years, 23% was 19 to 44 years, 30.6% was 45 to 64 years, and 25 % was 65 years and older.

Population by Age and Sex for 49765 in 2020-2024

Male Female
Under 5 82 69
5 to 9 38 110
10 to 14 164 178
15 to 19 177 111
20 to 24 110 78
25 to 29 85 64
30 to 34 77 105
35 to 39 115 118
40 to 44 71 176
45 to 49 124 125
50 to 54 143 132
55 to 59 165 171
60 to 64 224 238
65 to 69 196 158
70 to 74 156 120
75 to 79 81 109
80 to 84 86 83
85 and over 50 44

Hispanic Origin and Race

For people reporting one race alone, 91.6% were White; 0.4% were Black or African American; 11.1% were American Indian and Alaska Native; 0.2% were Asian; 0.4% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 7% reported Two or More Races. An estimated 2.7% of the people in 49765 were Hispanic or Latino. An estimated 90.4% of the people in 49765 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 1,866 households in 49765. The average household size was 2.31 people.

Married-couple households made up 52.9% of the households in 49765 while cohabiting couple households made up 8.8% of households. Female householders with no spouse or partner present were 23.6% of all households, while 14.6% of households had male householders with no spouse or partner present. Some households had one person, as 11.6% of households were male householders living alone, and 12.3% were female householders living alone, for a total of 23.9% of all households.

In 49765, 26.3% of all households had one or more people under the age of 18; 41.6% of all households had one or more people 65 years and over.

Types of Households in 49765 in 2020-2024

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Percent
Married-couple households 52.9
Cohabiting Couples 8.8
Male Householder
No spouse/partner present
14.6
Female Householder
No spouse/partner present
23.6

Marital Status

Among persons 15 and older, 55.2% of males and 53.2% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 27.7 21.1
Now married, except separated 55.2 53.2
Separated 2.2 1.2
Widowed 3.5 8.5
Divorced 11.4 16

Grandparents and Grandchildren

In 49765, 99 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 43.4% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 99.4% of the people living in 49765 were U.S. natives. 88.1% of the 49765 population were living in the state where they were born.

Approximately 0.6% of 49765 residents in 2020-2024 were foreign-born. 70.8% of foreign-born were naturalized U.S. citizens and an estimated 70.8 % entered the country before the year 2010.

Foreign-born residents of 49765 come from different parts of the world. The bar graph below displays the percentage of foreign-born from each world region of birth in 2020-2024 for 49765.

Region of Birth for the Foreign-Born Population in 49765 in 2020-2024

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Percent
Latin America 0
Asia 37.5
Europe 50
Africa 0
Northern America 12.5
Oceania 0

Language

Among people at least five years old living in 49765 in 2020-2024, 3.8 % spoke a language other than English at home. Spanish was spoken by 2.5% of people at least five years old; 0.3% reported that they did not speak English "very well."

Percentage of the Population 5 years and over who Speak a Language other than English in 49765 in 2020-2024

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Percent
Spanish 2.5
Other Indo-European languages 0.7
Asian and Pacific Islander languages 0.2
Other languages 0.3

Geographic Mobility

In 2020-2024, 94.5 % of the people at least one year old living in 49765 were living in the same house one year earlier.

Geographic Mobility of Residents of 49765 in 2020-2024

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Percent
Same house 94.5
Different house, same county 1.8
Different county, same state 2.4
Different state 1.2
Abroad 0.2

Education

In 2020-2024, 90.6 % of people 25 years and over had at least graduated from high school and 15.5% had a bachelor's degree or higher. An estimated 9.4% did not complete high school.

The total school enrollment in 49765 was 757 in 2020-2024. Nursery school enrollment was 13 and kindergarten through 12th grade enrollment was 624. College or graduate school enrollment was 120.

Educational Attainment of People in 49765 in 2020-2024

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Percent
Less than high school diploma 9.4
High school diploma or equivalency 42.1
Some college, no degree 22.3
Associate's degree 10.6
Bachelor's degree 11.5
Graduate or professional degree 4

Disability

In 49765, among the civilian noninstitutionalized population in 2020-2024, 23.4 % reported a disability. The likelihood of having a disability varied by age - from 13.7% of people under 18 years old, to 18.8% of people 18 to 64 years old, and to 41.3% of those 65 and over.


Employment Status and Type of Employer

In 49765, 40.3 % of the population 16 and over were employed; 54% were not currently in the labor force.

An estimated 81.1% of the people employed were private wage and salary workers; 11.9% were federal, state, or local government workers; and 7 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 1,185 81.1
Federal, state, or local government workers 174 11.9
Self-employed workers in own not incorporated business 102 7

Industries

In 2020-2024, the civilian employed population 16 years and older in 49765 worked in the following industries:

Percent by Industry in 49765 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 3.3
Construction 11.8
Manufacturing 9.7
Wholesale trade 0.8
Retail trade 15.6
Transportation and warehousing, and utilities 8.7
Information 2.3
Finance and insurance, and real estate and rental and leasing 5.1
Professional, scientific, and management, and administrative and waste management services 4.3
Educational services, and health care and social assistance 20.9
Arts, entertainment, and recreation, and accommodation, and food services 10.1
Other Services, except public administration 4
Public administration 3.4

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 49765 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 428 29.3
Service occupations 264 18.1
Sales and office occupations 296 20.3
Natural resources, construction, and maintenance occupations 192 13.1
Production, transportation, and material moving occupations 281 19.2

Commuting to Work

An estimated 74% of 49765 workers drove to work alone in 2020-2024, and 13.3% carpooled. Among those who commuted to work, it took them on average 27.5 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 49765 in 2020-2024

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Percent
Car, truck, van -- drove alone 74
Car, truck, van -- carpooled 13.3
Public transportation (excluding taxicab) 0
Walked 1.3
Other means 0.2
Worked from home 11.2

In 2020-2024, 49765 had a total of 2,740 housing units. Of these housing units, 86.4% were single-family houses either not attached to any other structure or attached to one or more structures (commonly referred to as "townhouses" or "row houses"). 3.1% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 10.6% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 49765 in 2020-2024

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Percent
Single-family houses 86.4
Apartments in multi-unit structures 3.1
Mobile homes 10.6
Boat, RV, van, etc 0

4.4% of the housing inventory was comprised of houses built since 2010, while 12.8% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 49765 was 5.3 rooms, and of these housing units 59.5% had three or more bedrooms.


In 2020-2024, 49765 had 1,866 housing units that were occupied or had people living in them, while the remaining 874 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 84.4% while renters occupied 15.6%. The average household size of owner-occupied houses was 2.3 and in renter-occupied houses it was 2.4.

2.3% of householders of these occupied houses had moved into their house since 2021, while 15.1% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 6.3% and another 29.8% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 49765:

House Heating Fuel Used in 49765 in 2020-2024

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Percent
Gas 77.2
Electricity 7.3
Fuel oil, kerosene, etc 0.5
All other fuels 15.1
No fuel used 0

In 2020-2024, the median property value for owner-occupied houses in 49765 was $124,000.

Of the owner-occupied households, 40.7 % had a mortgage. 59.3% owned their houses "free and clear," that is without a primary mortgage or loan on the house. The median monthly housing costs for owners with a mortgage was $1,039 and for owners without a mortgage it was $400.

For renter-occupied houses, the median gross rent for 49765 was $769. Gross rent includes the monthly contract rent and any monthly payments made for electricity, gas, water and sewer, and any other fuels to heat the house.