ZIP profile

Banking access in ZIP 49945

Michigan · Houghton MI. Source year 2025.

Non-desert with desert exposure

The published Financial Access Pressure Index is 5.8119. Higher values indicate more measured physical banking-access pressure. This measure does not identify bank branches, drive-through hours, individual banking behavior, or overall neighborhood quality.

Banking-access measures

Pressure index5.8119
National pressure rank#5,120 of 20,307
National percentile72.26
State pressure rank#197 of 742
State percentile72.37
Weighted banking-desert geography5.81%
Weighted potential-desert geography0.00%
Population banking-desert exposure4.49%
Population potential-desert exposure0.00%
Allocated population2,910.68
Allocated population in banking deserts130.78

Geographic shares and population shares use different denominators. Published ranks and percentiles are preserved, including ties. Population estimates are displayed to two decimals; exact source values are in the downloads.

People & financial access

Estimated population-group exposure to banking-desert geography. These are allocated estimates, not counts of unbanked people. Groups overlap and must not be added together.

Population groupRepresented estimateExposed estimateExposure shareEvidence tier
American Indian / Alaska Native non-Hispanic28.560.622.18%LIMITED
Asian non-Hispanic52.940.000.00%LIMITED
Black non-Hispanic23.510.873.71%LIMITED
Residents with disabilities375.0816.744.46%LIMITED
Hispanic33.141.815.45%LIMITED
Older residents663.6246.917.07%LIMITED
Other race non-Hispanic0.000.00UnavailableNOT_AVAILABLE
People of color168.444.302.55%LIMITED
Two or more races non-Hispanic30.291.003.29%LIMITED
White non-Hispanic2,742.24126.484.61%STANDARD

Evidence tiers are passed through from the source. Missing ranks or rates remain unavailable. A zero exposure share does not guarantee that a branch is open or nearby.

Source year: 2025 in the governed ZIP profile view. Exported October 13, 2026; the export date is not an observation date. Population figures are allocated estimates; groups can overlap. Sources and interpretation →