Zip code 49431: Ludington, Michigan

Q: What city is zip code 49431?

49431 is assigned to Ludington, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 49431 in?

49431 is in Mason County, Michigan.

Q: What is the population of 49431?

About 17,184 people live in 49431, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 49431?

The median household income in 49431 is $66,336.

Q: What zip codes are near 49431?

The closest zip codes to 49431 are 49454, 49405, 49449, 49411, 49410.

Residential delivery areaMason CountyEastern Time

Population

17,184

Median household income

$66K

U.S. $81K

Median home value

$238K

U.S. $333K

Median rent

$914/mo

U.S. $1,413

Median age

48.6

U.S. 38.9

Land area

96 sq mi

179 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 49431

49431 is a small-town zip code in Ludington, Michigan (Mason County), covering 96 sq mi of land. About 17,184 people live here, or 179 per square mile. The median resident is 48.6 years old, compared with 38.9 nationally.

The median household earns $66,336 a year, 18% below the national median of $80,734. 14% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $237,700, or 3.6 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 72% of occupied homes are lived in by their owners, and renters pay a median of $914 a month.

31% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 15.6 minutes each way, and 13% of workers work from home. The most common jobs among working residents are in management, healthcare and sales.

How 49431 compares

Sorted from highest to lowest national percentile

Residents 65 and older28.6%
96th
U.S. 17.2% · MI 18.6%161st of 962 in MI
Housing vacancy22.7%
95th
U.S. 10.1% · MI 11.8%289th of 958 in MI
Median age48.6
94th
U.S. 38.9 · MI 40.2251st of 962 in MI
Self-employed workers11.7%
75th
U.S. 10% · MI 8.6%273rd of 961 in MI
Veterans7.2%
69th
U.S. 6.2% · MI 5.8%411th of 962 in MI
Income inequality (Gini)0.455
66th
U.S. 0.483 · MI 0.465208th of 958 in MI
Poverty rate14%
65th
U.S. 12.5% · MI 13.2%315th of 959 in MI
Homeownership rate72.3%
59th
U.S. 65.2% · MI 73.2%776th of 958 in MI
Government workers14.9%
59th
U.S. 14.5% · MI 11.6%242nd of 961 in MI
Healthcare workers9.9%
57th
U.S. 9.7% · MI 10.1%436th of 961 in MI
Per capita income$40,407
51st
U.S. $44,673 · MI $40,735329th of 962 in MI
Work from home13%
51st
U.S. 15.1% · MI 13.5%288th of 961 in MI
Bachelor's degree or higher31.3%
49th
U.S. 35.7% · MI 32.4%263rd of 961 in MI
Rent-burdened renters47.9%
39th
U.S. 51.1% · MI 50.4%422nd of 931 in MI
Median earnings per worker$42,382
31st
U.S. $49,666 · MI $47,178565th of 960 in MI
Median household income$66,336
30th
U.S. $80,734 · MI $72,875521st of 952 in MI
Median home value$237,700
30th
U.S. $332,700 · MI $231,600306th of 946 in MI
Population17,184
26th
U.S. 334,922,499 · MI 10,077,761232nd of 962 in MI
Unemployment rate3.6%
26th
U.S. 5.2% · MI 5.7%640th of 961 in MI
Uninsured rate4.4%
26th
U.S. 8.4% · MI 4.9%499th of 961 in MI
Tech workers1.5%
23rd
U.S. 3.8% · MI 3.1%527th of 961 in MI
Residents under 1818.5%
21st
U.S. 22% · MI 21.2%628th of 962 in MI
Population density179/sq mi
20th
U.S. 95/sq mi · MI 178/sq mi391st of 962 in MI
Broadband access87.3%
20th
WeaknessU.S. 91% · MI 90.5%574th of 958 in MI
Median gross rent$914
15th
U.S. $1,413 · MI $1,129523rd of 851 in MI
Diversity index19.1
12th
U.S. 61.4 · MI 45.3505th of 962 in MI
Foreign-born residents1.5%
9th
U.S. 14.1% · MI 7.2%559th of 962 in MI
Average commute15.6 min
2nd
StrengthU.S. 26.4 min · MI 24.2 min909th of 941 in MI

Measure	49431	Mason	MI	U.S.	National percentile	Rank in MI
Residents 65 and older	28.6%	26.3%	18.6%	17.2%	96th	161st of 962
Housing vacancy	22.7%	27.3%	11.8%	10.1%	95th	289th of 958
Median age	48.6	47.3	40.2	38.9	94th	251st of 962
Self-employed workers	11.7%	11.3%	8.6%	10%	75th	273rd of 961
Veterans	7.2%	8.2%	5.8%	6.2%	69th	411th of 962
Income inequality (Gini)	0.455	0.444	0.465	0.483	66th	208th of 958
Poverty rate	14%	14.1%	13.2%	12.5%	65th	315th of 959
Homeownership rate	72.3%	78.3%	73.2%	65.2%	59th	776th of 958
Government workers	14.9%	14.8%	11.6%	14.5%	59th	242nd of 961
Healthcare workers	9.9%	9.7%	10.1%	9.7%	57th	436th of 961
Per capita income	$40,407	$37,554	$40,735	$44,673	51st	329th of 962
Work from home	13%	11%	13.5%	15.1%	51st	288th of 961
Bachelor's degree or higher	31.3%	26.6%	32.4%	35.7%	49th	263rd of 961
Rent-burdened renters	47.9%	48.5%	50.4%	51.1%	39th	422nd of 931
Median earnings per worker	$42,382	$41,905	$47,178	$49,666	31st	565th of 960
Median household income	$66,336	$64,748	$72,875	$80,734	30th	521st of 952
Median home value	$237,700	$219,600	$231,600	$332,700	30th	306th of 946
Population	17,184	29,207	10,077,761	334,922,499	26th	232nd of 962
Unemployment rate	3.6%	4.5%	5.7%	5.2%	26th	640th of 961
Uninsured rate	4.4%	5.2%	4.9%	8.4%	26th	499th of 961
Tech workers	1.5%	1.4%	3.1%	3.8%	23rd	527th of 961
Residents under 18	18.5%	19.6%	21.2%	22%	21st	628th of 962
Population density	179/sq mi	59/sq mi	178/sq mi	95/sq mi	20th	391st of 962
Broadband accessWeakness	87.3%	86.5%	90.5%	91%	20th	574th of 958
Median gross rent	$914	$896	$1,129	$1,413	15th	523rd of 851
Diversity index	19.1	19.8	45.3	61.4	12th	505th of 962
Foreign-born residents	1.5%	1.7%	7.2%	14.1%	9th	559th of 962
Average commuteStrength	15.6 min	19.5 min	24.2 min	26.4 min	2nd	909th of 941

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

14%

5–17

18–24

12%

25–34

10%

35–44

45–54

15%

55–64

17%

65–74

11%

75+

Median age

48.6

Under 18

18.5%

65 and over

28.6%

Race and ethnicity

White90%
Black1%
Hispanic4%
Asian0.6%
Native American0.3%
Pacific Islander0%
Other0.1%
Multiracial4%

Diversity index

19.1

U.S. 61.4

Foreign-born

1.5%

U.S. 14.1%

Born in state

79%

Language spoken at home (households)

English only

95%

Spanish

Other Indo-European

Asian / Pacific

0.8%

Other

Households

Households: 7,765
Average household size: 2.2
Family households: 64.2%
Married couples: 51.5%
Living alone: 32%
Veterans (of adults): 7.2%
Male / female: 50% / 50%

Income and poverty

Household income distribution

<$25k

16%

$25–50k

23%

$50–75k

16%

$75–100k

14%

$100–150k

16%

$150–200k

$200k+

Median household income

49431

$66,336

Mason Co.

$64,748

Michigan

$72,875

United States

$80,734

Per capita income

$40,407

U.S. $44,673

Poverty rate

14%

U.S. 12.5%

Households earning $150K+

15.3%

U.S. 23%

Income inequality (Gini)

0.455

U.S. 0.483

Housing

Median home value

49431

$237,700

Mason Co.

$219,600

Michigan

$231,600

United States

$332,700

Median gross rent

49431

$914

Mason Co.

$896

Michigan

$1,129

United States

$1,413

Types of housing

Single-family

71%

2–4 units

5–19 units

20+ units

Mobile home

Boat, RV, van

0.1%

Housing units: 10,051
Owner-occupied: 72.3%
Vacant: 22.7%
Median year built: 1976
Median rooms: 5.9
Renters paying 30%+ of income: 47.9%
Renters paying 50%+ of income: 16.7%
Home value to income: 3.6× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

69%

Carpooled

13%

Transit

Walked

Bicycle

0.4%

Worked from home

13%

Other

0.2%

Commute time (one way)

<10 min

37%

10–19

44%

20–29

30–44

45–59

60+

Average commute

15.6 min

U.S. 26.4 min

Unemployment

3.6%

U.S. 5.2%

In labor force

54.3%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

13%

Healthcare

10%

Sales

10%

Construction and repair

10%

Office and admin

Education

Transportation and moving

Production

Cleaning and personal care

Business and finance

Food service

Engineering and science

Legal and social services

Police and fire

Computer and math

Arts, media and sports

Farming, fishing and forestry

0.4%

Industries

Health care and social assistance

15%

Manufacturing

13%

Retail

11%

Restaurants and hotels

Education

Construction

Professional and technical services

Finance, insurance and real estate

Transportation, warehousing and utilities

Public administration

Other services

Admin, support and management

Arts and recreation

Agriculture and mining

Wholesale

Information

0.8%

Median earnings per worker

$42,382

U.S. $49,666

Self-employed

11.7%

U.S. 10%

Government workers

14.9%

U.S. 14.5%

Nonprofit workers

9.7%

U.S. 8.8%

Median earnings by type of work

Type of work	49431	U.S.
Management, business, science and arts	$67,792	$74,888
Service	$23,427	$26,804
Sales and office	$35,702	$40,476
Construction and maintenance	$50,690	$49,199
Production and transportation	$34,891	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

29%

Some college

22%

Associate's

12%

Bachelor's

18%

Graduate

13%

High school graduate or higher: 94.8%
Bachelor's degree or higher: 31.3%
Graduate or professional degree: 13%
Households with broadband: 87.3%
Cable, fiber or DSL: 73%
No internet access: 8.9%
Without health insurance: 4.4%
Limited-English households: 0.7%

Geography

City (USPS): Ludington
State: Michigan
County: Mason County
Center point: 43.9646° N, 86.4093° W
Land area: 96 sq mi
Water area: 16 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Ludington4% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 49431

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
49454	Scottville, MI	6.3 mi	4,873	$61,280	$194,300
49405	Custer, MI	12 mi	1,635	$70,139	$170,200
49449	Pentwater, MI	12 mi	2,587	$80,917	$307,300
49411	Free Soil, MI	13 mi	1,698	$61,857	$239,400
49410	Fountain, MI	14 mi	1,734	$61,515	$172,600
49458	Walhalla, MI	15 mi	169	$113,077	$57,800
49420	Hart, MI	18 mi	6,202	$58,841	$167,000
49634	Filer City, MI	18 mi	178	$47,083	$96,100
49436	Mears, MI	19 mi	1,644	$67,279	$255,000
49402	Branch, MI	20 mi	1,411	$51,324	$169,800
49626	Eastlake, MI	20 mi	242	$50,208	$117,400
49660	Manistee, MI	21 mi	14,578	$65,205	$192,800

Zip codes like 49431 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 49431

What city is zip code 49431?

49431 is assigned to Ludington, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 49431 in?

49431 is in Mason County, Michigan.

What is the population of 49431?

About 17,184 people live in 49431, according to the Census Bureau's American Community Survey.

What time zone is 49431 in?

49431 is in Eastern Time.

What is the median household income in 49431?

The median household income in 49431 is $66,336.

What zip codes are near 49431?

The closest zip codes to 49431 are 49454, 49405, 49449, 49411, 49410.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 49431, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.