Population & age
- Total population
- 225
- Median age
- 43.7
Elberta, MI (49628)
Benzie County · Traverse City, MI · Population 225
Fresh.Data current as of Apr 24, 2026
Elberta, MI (ZIP 49628) sits in Benzie County within the Traverse City metro area. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in above the national average at 40.3%. No NCES schools are mapped to this ZIP in the current dataset. 4 colleges and universities serve the area, with median in-state tuition of $9,430. BLS QCEW reports average annual pay of $45,619 per worker, roughly 30% below the US average. FEMA has issued 5 federal disaster declarations affecting this ZIP since 1977. USDA's Food Environment Atlas shows a strong food retail environment in this county — only 0.0% of residents are low-access and grocery density is above the national county median. IRS migration data (2022-2023) shows a net gain of 390 residents (151 households) — the ZIP's primary county is growing. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $84,500, fair market rent of $1,110 for a two-bedroom, and a low 3.6% poverty rate. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Demographics
Race & ethnicity
- White
- 80.9%
- Black
- 0.0%
- Asian
- 0.0%
- Hispanic / Latino
- 5.8%
Income & housing
- Median household income
- $84,500
- Median home value
- $227,600
Education
- Bachelor's degree or higher (age 25+)
- 29.8%
Employment
- Unemployment rate
- 4.0%
Housing
- Owner-occupied
- 67(93.1%)
- Renter-occupied
- 5(6.9%)
- Vacant units
- 110
- Built (median)
- 1942
Commute
- Public transit
- 0(0.0%)
- Work from home
- 0(0.0%)
- Avg commute
- 12.3 min
Economic wellbeing
- Below poverty line
- 8(3.6%)
- Uninsured
- 0(0.0%)
Digital access
- Broadband access
- 69(95.8%)
- No broadband
- 3(4.2%)
Language & nativity
- Foreign-born
- 0(0.0%)
- Non-English at home
- 7(3.2%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$810
/month
1 Bed
$850
/month
2 Bed
$1,110
/month
3 Bed
$1,430
/month
4 Bed
$1,540
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
New housing construction
New housing units permitted
110
Across 110 permitted buildings. Total construction value: $34.9M.
Single-family
110
100% of total units
Multifamily (2+ unit)
0
0% of total units
Single-family value
$34.9M
construction value
Multifamily value
$0
construction value
Based on county-level data (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Business & employment
Business establishments
14
Total employment
32
Annual payroll
$1.7M
Average annual pay
$52,781
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$45,619
Average weekly wage
$877
Total employment
4,882
Total establishments
483
That is roughly 30% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
5.3%
That is 1.3 percentage points above the US national unemployment rate of about 4.0%.
Labor force
9,049
Employed
8,570
Unemployed
479
Based on Benzie County, MI data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Federal Disaster Declarations
Federally Declared Disasters
5
Date Range
1977–2020
Most Recent Declaration
COVID-19 PANDEMIC
Biological — declared March 27, 2020 (DR-4494)
Incident period: January 20, 2020 – May 11, 2023
Top Incident Types
- Biological2 (40%)
- Hurricane1 (20%)
- Snowstorm1 (20%)
- Drought1 (20%)
Households Program
1
Housing & temporary lodging support
Public Assistance
5
Repair of public facilities & roads
Hazard Mitigation
1
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
46.5°F
39.3° – 53.7°
Annual precipitation
34.3"
Annual snowfall
93"
Heating · cooling days
7,107.2 · 395.5
Annual base 65°F
Nearest station: FRANKFORT 2NE, MI US, 2.2 miles from the centroid of Elberta, MI (ZIP 49628)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Air quality
Median daily AQI
38
GoodGood 216dModerate 27dUSG 2d
Peak AQI (2024)
101
Unhealthy for Sensitive Groups
Primary pollutant
Ozone
245 days as main pollutant
Days measured
245
Based on Benzie County data (2024).
Source: U.S. Environmental Protection Agency, Air Quality System (epa.gov). Public domain. Only counties with EPA AQS monitoring stations appear here (~30% of US counties); rural ZIPs whose primary county has no monitor will not show this section.
Community health profile
Years of potential life lost (per 100K)
9,354
That is roughly 1,154 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
15%
of adults self-report
Poor physical health days
3.8
avg per adult per month
Poor mental health days
5.5
avg per adult per month
Uninsured
6.8%
of residents under 65
Primary care MDs
60
per 100,000 residents
Preventable hospital stays
2,302
per 100K Medicare enrollees
Food environment (0-10)
—
10 = best access & security
Exercise access
62%
residents near a facility
Flu vaccinated
51%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 6.5% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Benzie data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Good food access — most residents near a store
0.0% of Benzie County, MI residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.34
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
1.00
accepting food benefits
Fast-food restaurants
0.67
per 1,000 residents
Per-1,000 figures show how many of each store type exist in Benzie County, MI for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Safety
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 45 reports
Property crime rate
—
per 100K residents · 51 reports
Homicide
0
Robbery
0
Burglary
5
Vehicle theft
1
County-level data for Benzie (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Who’s moving in and out
Net migration (2022-2023)
▲+390 people
+151 households • +$32.8M net AGI flow
Moved in
825households
1,441 people • $71.7M AGI
Moved out
674households
1,051 people • $38.9M AGI
Where new residents came from
- Grand Traverse County, MI — 179 households
- Manistee County, MI — 41 households
- Leelanau County, MI — 27 households
- Oakland County, MI — 21 households
Where departing residents went
- Grand Traverse County, MI — 149 households
- Manistee County, MI — 57 households
- Leelanau County, MI — 33 households
- Wexford County, MI — 22 households
Incoming households reported an average AGI of $86,861 versus departing households' $57,675.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in Michigan
State-level rules that apply to every resident of ZIP 49628. Numbers reflect the most recent published year per source.
Tax rates
Income tax
Yes
graduated
Sales tax (combined)
6.00%
State 6.00% · avg local 0.00%
Property tax (effective)
1.17%
Median $1,868/year
Tax burden rank
20 of 50
9.60% of personal income
For ZIP 49628: Applied to this ZIP's typical home value of $227,600, that works out to roughly $2,652/year in property tax.
Paid family leave
Program
No program
No program
Safety net
SNAP eligibility
200% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 49628
Nearby ZIPs by distance
49635 (Frankfort, 2 mi) · 49616 (Benzonia, 7.6 mi) · 49613 (Arcadia, 8.1 mi) · 49617 (Beulah, 10 mi) · 49640 (Honor, 11.6 mi) · 49614 (Bear Lake, 13.5 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
36.7%
3.7pp above the 33.0% national rate.
High Blood Pressure
40.3%
8.3pp above the 32.0% national rate.
Depression
26.6%
4.6pp above the 22.0% national rate.
Annual Checkup
81.8%
5.8pp above the 76.0% national rate.
Health Insurance
6.2%
6.8pp below the 13.0% national rate.
Diabetes
13.5%
2.5pp above the 11.0% national rate.
Colleges & universities nearby
Colleges in this area
4
Median in-state tuition
$9,430
Median earnings (10 yr)
$37,000
- 4-Year
Northwestern Michigan College
Traverse City, MI · 49686
- In-state tuition
- $5,860
- Out-of-state tuition
- $13,476
- Acceptance rate
- —
- Graduation rate
- 24.9%
- Median earnings (10 yr)
- $38,167
- Median student debt
- $12,500
- Certificate
Cadillac Institute of Cosmetology
Cadillac, MI · 49601
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- —
- Median earnings (10 yr)
- $16,514
- Median student debt
- —
- 4-Year
Baker College of Cadillac
Cadillac, MI · 49601
- In-state tuition
- $13,000
- Out-of-state tuition
- $13,000
- Acceptance rate
- —
- Graduation rate
- —
- Median earnings (10 yr)
- $35,833
- Median student debt
- $25,000
- 4-Year
Davenport University-Traverse City Location
Traverse City, MI · 49684
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- —
- Median earnings (10 yr)
- $45,099
- Median student debt
- $26,000
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
Elberta, MI (ZIP 49628) sits in Benzie County within the Traverse City metro area. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in above the national average at 40.3%. No NCES schools are mapped to this ZIP in the current dataset. 4 colleges and universities serve the area, with median in-state tuition of $9,430. BLS QCEW reports average annual pay of $45,619 per worker, roughly 30% below the US average. FEMA has issued 5 federal disaster declarations affecting this ZIP since 1977. USDA's Food Environment Atlas shows a strong food retail environment in this county — only 0.0% of residents are low-access and grocery density is above the national county median. IRS migration data (2022-2023) shows a net gain of 390 residents (151 households) — the ZIP's primary county is growing. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $84,500, fair market rent of $1,110 for a two-bedroom, and a low 3.6% poverty rate. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits higher the national rate at 26.6%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 49628
What is the obesity rate in ZIP 49628?
36.7%, which is 3.7 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 49628?
26.6%, which is 4.6 percentage points above the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 49628?
40.3%, which is 8.3 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the population of ZIP 49628?
225 people live in ZIP 49628, with a median age of 43.7 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 49628?
$84,500 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 49628 mostly renters or homeowners?
In ZIP 49628, 93.1% of occupied housing units are owner-occupied and 6.9% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 49628?
In ZIP 49628, 0.0% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 49628?
3.6% of the population in ZIP 49628 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 49628 have broadband internet?
95.8% of households in ZIP 49628 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How many businesses are in ZIP 49628?
As of 2022, 14 business establishments operated in ZIP 49628 employing 32 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 49628?
The average annual pay across all local establishments in ZIP 49628 is $52,781, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 49628 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 49628 ranks in the 40th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 49628?
Housing Type & Transportation is the highest-scoring CDC SVI theme for ZIP 49628, ranking in the 55th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 49628 experienced?
FEMA has recorded 5 federal disaster declarations affecting ZIP 49628 between 1977–2020 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 49628?
Biological is the most common federally declared disaster type affecting ZIP 49628, accounting for 2 of 5 declarations (40%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 49628?
The most recent FEMA disaster declaration affecting ZIP 49628 was "COVID-19 PANDEMIC" — a biological declared in 2020 (DR-4494) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 49628?
4 colleges and universities are listed near ZIP 49628 by the U.S. Department of Education College Scorecard, including Northwestern Michigan College, Cadillac Institute Of Cosmetology, and Baker College Of Cadillac (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 49628?
Median in-state tuition across 4 nearby institutions is $9,430 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 49628?
Graduates of nearby colleges earn a median of $37,000 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 49628?
ZIP 49628 has an average annual temperature of 46.5°F and 34.3" of annual precipitation based on the FRANKFORT 2NE, MI US weather station 2.2 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
What taxes apply in ZIP 49628?
Michigan has a graduated income tax with a top rate of unspecified. Combined sales tax: 6.00% (Tax Foundation 2025).
Does Michigan have paid family leave?
Michigan has no state paid family leave program (Bipartisan Policy Center 2026).
What data is available for ZIP 49628?
This page covers health outcomes from CDC PLACES (40 metrics), demographics from the Census ACS 5-Year (2022), colleges from the U.S. Department of Education College Scorecard (4 institutions), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (5 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (5 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 49628
Nearby ZIPs by distance
49635 (Frankfort, 2 mi) · 49616 (Benzonia, 7.6 mi) · 49613 (Arcadia, 8.1 mi) · 49617 (Beulah, 10 mi) · 49640 (Honor, 11.6 mi) · 49614 (Bear Lake, 13.5 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
Have a specific question about ZIP 49628?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
40th percentile
Moderate Vulnerability
Based on 1 census tract, population 28
Vulnerability Themes
Persons with Disability
4
Without HS Diploma
1
Without Health Insurance
2
Adults Age 65+
8
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.