Zip code 49646: Kalkaska, Michigan

Q: What city is zip code 49646?

49646 is assigned to Kalkaska, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 49646 in?

49646 is in Kalkaska County, Michigan.

Q: What is the population of 49646?

About 8,852 people live in 49646, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 49646?

The median household income in 49646 is $64,863.

Q: What zip codes are near 49646?

The closest zip codes to 49646 are 49680, 49659, 49633, 49612, 49676.

Residential delivery areaKalkaska CountyEastern Time

Population

8,852

Median household income

$65K

U.S. $81K

Median home value

$182K

U.S. $333K

Median rent

$690/mo

U.S. $1,413

Median age

46.1

U.S. 38.9

Land area

219 sq mi

40 people/sq mi

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

About 49646

49646 is a rural zip code in Kalkaska, Michigan (Kalkaska County), covering 219 sq mi of land. About 8,852 people live here, or 40 per square mile. The median resident is 46.1 years old, compared with 38.9 nationally.

The median household earns $64,863 a year, 20% below the national median of $80,734. 10.7% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $182,200, or 2.8 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 84% of occupied homes are lived in by their owners, and renters pay a median of $690 a month.

16% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 27.5 minutes each way, and 4% of workers work from home. The most common jobs among working residents are in office and administrative support; production and manufacturing; and healthcare.

How 49646 compares

Sorted from highest to lowest national percentile

Housing vacancy30.5%
98th
U.S. 10.1% · MI 11.8%213th of 958 in MI
Median age46.1
89th
U.S. 38.9 · MI 40.2347th of 962 in MI
Residents 65 and older23.8%
89th
U.S. 17.2% · MI 18.6%297th of 962 in MI
Homeownership rate84.4%
88th
StrengthU.S. 65.2% · MI 73.2%503rd of 958 in MI
Veterans9.6%
88th
U.S. 6.2% · MI 5.8%195th of 962 in MI
Healthcare workers11.6%
78th
U.S. 9.7% · MI 10.1%235th of 961 in MI
Average commute27.5 min
60th
U.S. 26.4 min · MI 24.2 min328th of 941 in MI
Poverty rate10.7%
49th
U.S. 12.5% · MI 13.2%485th of 959 in MI
Uninsured rate5%
33rd
U.S. 8.4% · MI 4.9%413th of 961 in MI
Median earnings per worker$42,962
33rd
U.S. $49,666 · MI $47,178536th of 960 in MI
Unemployment rate3.8%
30th
U.S. 5.2% · MI 5.7%608th of 961 in MI
Median household income$64,863
28th
U.S. $80,734 · MI $72,875558th of 952 in MI
Per capita income$33,275
28th
U.S. $44,673 · MI $40,735618th of 962 in MI
Government workers10.7%
24th
U.S. 14.5% · MI 11.6%550th of 961 in MI
Broadband access87%
19th
WeaknessU.S. 91% · MI 90.5%585th of 958 in MI
Residents under 1817.8%
18th
U.S. 22% · MI 21.2%668th of 962 in MI
Self-employed workers6.9%
18th
U.S. 10% · MI 8.6%732nd of 961 in MI
Median home value$182,200
17th
U.S. $332,700 · MI $231,600514th of 946 in MI
Population8,852
14th
U.S. 334,922,499 · MI 10,077,761355th of 962 in MI
Bachelor's degree or higher15.7%
11th
WeaknessU.S. 35.7% · MI 32.4%722nd of 961 in MI
Foreign-born residents1.6%
10th
U.S. 14.1% · MI 7.2%534th of 962 in MI
Diversity index16.4
9th
U.S. 61.4 · MI 45.3599th of 962 in MI
Rent-burdened renters33.7%
7th
StrengthU.S. 51.1% · MI 50.4%712th of 931 in MI
Income inequality (Gini)0.373
7th
StrengthU.S. 0.483 · MI 0.465794th of 958 in MI
Population density40/sq mi
6th
U.S. 95/sq mi · MI 178/sq mi738th of 962 in MI
Work from home4%
5th
U.S. 15.1% · MI 13.5%891st of 961 in MI
Tech workers0.2%
4th
U.S. 3.8% · MI 3.1%810th of 961 in MI
Median gross rent$690
3rd
U.S. $1,413 · MI $1,129787th of 851 in MI

Measure	49646	Kalkaska	MI	U.S.	National percentile	Rank in MI
Housing vacancy	30.5%	33.4%	11.8%	10.1%	98th	213th of 958
Median age	46.1	44.4	40.2	38.9	89th	347th of 962
Residents 65 and older	23.8%	21.7%	18.6%	17.2%	89th	297th of 962
Homeownership rateStrength	84.4%	88.2%	73.2%	65.2%	88th	503rd of 958
Veterans	9.6%	9.5%	5.8%	6.2%	88th	195th of 962
Healthcare workers	11.6%	10.5%	10.1%	9.7%	78th	235th of 961
Average commute	27.5 min	29.7 min	24.2 min	26.4 min	60th	328th of 941
Poverty rate	10.7%	12.2%	13.2%	12.5%	49th	485th of 959
Uninsured rate	5%	6.1%	4.9%	8.4%	33rd	413th of 961
Median earnings per worker	$42,962	$44,478	$47,178	$49,666	33rd	536th of 960
Unemployment rate	3.8%	3.8%	5.7%	5.2%	30th	608th of 961
Median household income	$64,863	$68,578	$72,875	$80,734	28th	558th of 952
Per capita income	$33,275	$34,934	$40,735	$44,673	28th	618th of 962
Government workers	10.7%	11.7%	11.6%	14.5%	24th	550th of 961
Broadband accessWeakness	87%	87.4%	90.5%	91%	19th	585th of 958
Residents under 18	17.8%	20.1%	21.2%	22%	18th	668th of 962
Self-employed workers	6.9%	9.2%	8.6%	10%	18th	732nd of 961
Median home value	$182,200	$188,900	$231,600	$332,700	17th	514th of 946
Population	8,852	18,239	10,077,761	334,922,499	14th	355th of 962
Bachelor's degree or higherWeakness	15.7%	19%	32.4%	35.7%	11th	722nd of 961
Foreign-born residents	1.6%	1.4%	7.2%	14.1%	10th	534th of 962
Diversity index	16.4	14.5	45.3	61.4	9th	599th of 962
Rent-burdened rentersStrength	33.7%	36.5%	50.4%	51.1%	7th	712th of 931
Income inequality (Gini)Strength	0.373	0.406	0.465	0.483	7th	794th of 958
Population density	40/sq mi	33/sq mi	178/sq mi	95/sq mi	6th	738th of 962
Work from home	4%	7.4%	13.5%	15.1%	5th	891st of 961
Tech workers	0.2%	0.9%	3.1%	3.8%	4th	810th of 961
Median gross rent	$690	$853	$1,129	$1,413	3rd	787th of 851

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

13%

5–17

18–24

13%

25–34

11%

35–44

11%

45–54

17%

55–64

14%

65–74

10%

75+

Median age

46.1

Under 18

17.8%

65 and over

23.8%

Race and ethnicity

White91%
Black0.9%
Hispanic3%
Asian0.4%
Native American0.3%
Pacific Islander0%
Other0.1%
Multiracial4%

Diversity index

16.4

U.S. 61.4

Foreign-born

1.6%

U.S. 14.1%

Born in state

82.8%

Language spoken at home (households)

English only

97%

Spanish

0.6%

Other Indo-European

Asian / Pacific

0.8%

Other

Households

Households: 3,979
Average household size: 2.2
Family households: 61.6%
Married couples: 45.9%
Living alone: 31.1%
Veterans (of adults): 9.6%
Male / female: 51% / 49%

Income and poverty

Household income distribution

<$25k

14%

$25–50k

25%

$50–75k

20%

$75–100k

15%

$100–150k

21%

$150–200k

$200k+

Median household income

49646

$64,863

Kalkaska Co.

$68,578

Michigan

$72,875

United States

$80,734

Per capita income

$33,275

U.S. $44,673

Poverty rate

10.7%

U.S. 12.5%

Households earning $150K+

5.1%

U.S. 23%

Income inequality (Gini)

0.373

U.S. 0.483

Housing

Median home value

49646

$182,200

Kalkaska Co.

$188,900

Michigan

$231,600

United States

$332,700

Median gross rent

49646

$690

Kalkaska Co.

$853

Michigan

$1,129

United States

$1,413

Types of housing

Single-family

81%

2–4 units

0.9%

5–19 units

20+ units

Mobile home

13%

Boat, RV, van

0.1%

Housing units: 5,724
Owner-occupied: 84.4%
Vacant: 30.5%
Median year built: 1978
Median rooms: 5.2
Renters paying 30%+ of income: 33.7%
Renters paying 50%+ of income: 21.1%
Home value to income: 2.8× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

81%

Carpooled

12%

Transit

Walked

Bicycle

Worked from home

Other

Commute time (one way)

<10 min

20%

10–19

22%

20–29

17%

30–44

19%

45–59

13%

60+

10%

Average commute

27.5 min

U.S. 26.4 min

Unemployment

3.8%

U.S. 5.2%

In labor force

53.6%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Office and admin

15%

Production

14%

Healthcare

12%

Construction and repair

11%

Transportation and moving

11%

Sales

Management

Cleaning and personal care

Food service

Education

Arts, media and sports

Legal and social services

Engineering and science

Police and fire

Business and finance

Farming, fishing and forestry

0.7%

Computer and math

0.2%

Industries

Manufacturing

20%

Health care and social assistance

17%

Retail

11%

Restaurants and hotels

Construction

Transportation, warehousing and utilities

Finance, insurance and real estate

Admin, support and management

Other services

Agriculture and mining

Wholesale

Education

Professional and technical services

Arts and recreation

Public administration

Information

0.3%

Median earnings per worker

$42,962

U.S. $49,666

Self-employed

6.9%

U.S. 10%

Government workers

10.7%

U.S. 14.5%

Nonprofit workers

9.5%

U.S. 8.8%

Median earnings by type of work

Type of work	49646	U.S.
Management, business, science and arts	$51,480	$74,888
Service	$32,400	$26,804
Sales and office	$33,696	$40,476
Construction and maintenance	$50,729	$49,199
Production and transportation	$47,867	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

42%

Some college

23%

Associate's

10%

Bachelor's

11%

Graduate

High school graduate or higher: 90.8%
Bachelor's degree or higher: 15.7%
Graduate or professional degree: 5%
Households with broadband: 87%
Cable, fiber or DSL: 53.3%
No internet access: 10.9%
Without health insurance: 5%
Limited-English households: 0%

Geography

City (USPS): Kalkaska
State: Michigan
County: Kalkaska County
Center point: 44.7200° N, 85.0365° W
Land area: 219 sq mi
Water area: 5.3 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Bear Lake (unincorporated)3% of zip
Manistee Lake (unincorporated)2% of zip
Kalkaska1% of zip

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

Zip codes near 49646

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
49680	South Boardman, MI	11 mi	2,206	$77,216	$168,000
49659	Mancelona, MI	13 mi	7,140	$62,308	$168,900
49633	Fife Lake, MI	13 mi	3,410	$73,681	$189,700
49612	Alden, MI	14 mi	1,220	$85,156	$271,000
49676	Rapid City, MI	15 mi	3,620	$75,781	$269,300
49733	Frederic, MI	16 mi	1,997	$66,318	$147,700
49690	Williamsburg, MI	18 mi	6,657	$108,712	$352,200
49611	Alba, MI	18 mi	259	$101,304	—
49615	Bellaire, MI	19 mi	4,120	$79,469	$292,300
49739	Grayling, MI · PO box	21 mi	—	—	—
49797	Waters, MI · PO box	21 mi	—	—	—
49738	Grayling, MI	22 mi	9,696	$59,708	$168,800

Zip codes like 49646 elsewhere

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

Questions about 49646

What city is zip code 49646?

49646 is assigned to Kalkaska, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 49646 in?

49646 is in Kalkaska County, Michigan.

What is the population of 49646?

About 8,852 people live in 49646, according to the Census Bureau's American Community Survey.

What time zone is 49646 in?

49646 is in Eastern Time.

What is the median household income in 49646?

The median household income in 49646 is $64,863.

What zip codes are near 49646?

The closest zip codes to 49646 are 49680, 49659, 49633, 49612, 49676.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 49646, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.