Zip code 49656: Luther, Michigan

Q: What city is zip code 49656?

49656 is assigned to Luther, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 49656 in?

49656 is in Lake County, Michigan.

Q: What is the population of 49656?

About 1,908 people live in 49656, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 49656?

The median household income in 49656 is $56,656.

Q: What zip codes are near 49656?

The closest zip codes to 49656 are 49623, 49642, 49644, 49304, 49655.

Residential delivery areaLake CountyEastern Time

Population

1,908

Median household income

$57K

U.S. $81K

Median home value

$136K

U.S. $333K

Median rent

$1,007/mo

U.S. $1,413

Median age

50.7

U.S. 38.9

Land area

117 sq mi

16 people/sq mi

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

About 49656

49656 is a rural zip code in Luther, Michigan (Lake County), covering 117 sq mi of land. About 1,908 people live here, or 16 per square mile. The median resident is 50.7 years old, compared with 38.9 nationally.

The median household earns $56,656 a year, 30% below the national median of $80,734. 17.3% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $135,500, or 2.4 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 79% of occupied homes are lived in by their owners, and renters pay a median of $1,007 a month.

11% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 36.2 minutes each way, and 11% of workers work from home. The most common jobs among working residents are in production and manufacturing; healthcare; and transportation and moving goods.

How 49656 compares

Sorted from highest to lowest national percentile

Housing vacancy52.4%
99th
U.S. 10.1% · MI 11.8%76th of 958 in MI
Median age50.7
96th
U.S. 38.9 · MI 40.2191st of 962 in MI
Residents 65 and older27.2%
95th
U.S. 17.2% · MI 18.6%194th of 962 in MI
Average commute36.2 min
93rd
WeaknessU.S. 26.4 min · MI 24.2 min48th of 941 in MI
Veterans10.1%
90th
U.S. 6.2% · MI 5.8%156th of 962 in MI
Poverty rate17.3%
77th
U.S. 12.5% · MI 13.2%196th of 959 in MI
Homeownership rate79.1%
76th
U.S. 65.2% · MI 73.2%652nd of 958 in MI
Healthcare workers11.1%
72nd
U.S. 9.7% · MI 10.1%289th of 961 in MI
Uninsured rate6.4%
46th
U.S. 8.4% · MI 4.9%255th of 961 in MI
Work from home11.3%
42nd
U.S. 15.1% · MI 13.5%371st of 961 in MI
Diversity index41.3
38th
U.S. 61.4 · MI 45.3176th of 962 in MI
Median gross rent$1,007
22nd
U.S. $1,413 · MI $1,129382nd of 851 in MI
Self-employed workers7.2%
22nd
U.S. 10% · MI 8.6%701st of 961 in MI
Tech workers1.3%
18th
U.S. 3.8% · MI 3.1%575th of 961 in MI
Median household income$56,656
16th
WeaknessU.S. $80,734 · MI $72,875740th of 952 in MI
Per capita income$29,013
16th
WeaknessU.S. $44,673 · MI $40,735804th of 962 in MI
Income inequality (Gini)0.393
16th
StrengthU.S. 0.483 · MI 0.465682nd of 958 in MI
Residents under 1816.6%
13th
U.S. 22% · MI 21.2%732nd of 962 in MI
Unemployment rate2.5%
10th
StrengthU.S. 5.2% · MI 5.7%786th of 961 in MI
Median home value$135,500
7th
U.S. $332,700 · MI $231,600793rd of 946 in MI
Broadband access81.4%
6th
WeaknessU.S. 91% · MI 90.5%821st of 958 in MI
Foreign-born residents0.7%
4th
U.S. 14.1% · MI 7.2%775th of 962 in MI
Median earnings per worker$31,608
4th
WeaknessU.S. $49,666 · MI $47,178901st of 960 in MI
Population1,908
3rd
U.S. 334,922,499 · MI 10,077,761700th of 962 in MI
Bachelor's degree or higher11%
3rd
WeaknessU.S. 35.7% · MI 32.4%878th of 961 in MI
Government workers6.8%
3rd
U.S. 14.5% · MI 11.6%881st of 961 in MI
Population density16/sq mi
2nd
U.S. 95/sq mi · MI 178/sq mi856th of 962 in MI
Rent-burdened renters22%
2nd
StrengthU.S. 51.1% · MI 50.4%821st of 931 in MI

Measure	49656	Lake	MI	U.S.	National percentile	Rank in MI
Housing vacancy	52.4%	61.4%	11.8%	10.1%	99th	76th of 958
Median age	50.7	50.5	40.2	38.9	96th	191st of 962
Residents 65 and older	27.2%	27.2%	18.6%	17.2%	95th	194th of 962
Average commuteWeakness	36.2 min	34 min	24.2 min	26.4 min	93rd	48th of 941
Veterans	10.1%	8.4%	5.8%	6.2%	90th	156th of 962
Poverty rate	17.3%	20.5%	13.2%	12.5%	77th	196th of 959
Homeownership rate	79.1%	82%	73.2%	65.2%	76th	652nd of 958
Healthcare workers	11.1%	6.2%	10.1%	9.7%	72nd	289th of 961
Uninsured rate	6.4%	7.3%	4.9%	8.4%	46th	255th of 961
Work from home	11.3%	9.9%	13.5%	15.1%	42nd	371st of 961
Diversity index	41.3	41.2	45.3	61.4	38th	176th of 962
Median gross rent	$1,007	$875	$1,129	$1,413	22nd	382nd of 851
Self-employed workers	7.2%	11.4%	8.6%	10%	22nd	701st of 961
Tech workers	1.3%	1.1%	3.1%	3.8%	18th	575th of 961
Median household incomeWeakness	$56,656	$50,805	$72,875	$80,734	16th	740th of 952
Per capita incomeWeakness	$29,013	$28,058	$40,735	$44,673	16th	804th of 962
Income inequality (Gini)Strength	0.393	0.429	0.465	0.483	16th	682nd of 958
Residents under 18	16.6%	14.8%	21.2%	22%	13th	732nd of 962
Unemployment rateStrength	2.5%	7.4%	5.7%	5.2%	10th	786th of 961
Median home value	$135,500	$133,900	$231,600	$332,700	7th	793rd of 946
Broadband accessWeakness	81.4%	81.2%	90.5%	91%	6th	821st of 958
Foreign-born residents	0.7%	1%	7.2%	14.1%	4th	775th of 962
Median earnings per workerWeakness	$31,608	$32,334	$47,178	$49,666	4th	901st of 960
Population	1,908	12,563	10,077,761	334,922,499	3rd	700th of 962
Bachelor's degree or higherWeakness	11%	12.7%	32.4%	35.7%	3rd	878th of 961
Government workers	6.8%	9.9%	11.6%	14.5%	3rd	881st of 961
Population density	16/sq mi	22/sq mi	178/sq mi	95/sq mi	2nd	856th of 962
Rent-burdened rentersStrength	22%	59.1%	50.4%	51.1%	2nd	821st of 931

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

25–34

18%

35–44

10%

45–54

18%

55–64

14%

65–74

13%

75+

Median age

50.7

Under 18

16.6%

65 and over

27.2%

Race and ethnicity

White73%
Black0%
Hispanic21%
Asian0%
Native American0.3%
Pacific Islander0%
Other2%
Multiracial3%

Diversity index

41.3

U.S. 61.4

Foreign-born

0.7%

U.S. 14.1%

Born in state

74.9%

Language spoken at home (households)

English only

94%

Spanish

Other Indo-European

Asian / Pacific

0.1%

Other

0.3%

Households

Households: 708
Average household size: 2.7
Family households: 70.5%
Married couples: 52.8%
Living alone: 26.6%
Veterans (of adults): 10.1%
Male / female: 54% / 46%

Income and poverty

Household income distribution

<$25k

18%

$25–50k

20%

$50–75k

30%

$75–100k

15%

$100–150k

11%

$150–200k

$200k+

Median household income

49656

$56,656

Lake Co.

$50,805

Michigan

$72,875

United States

$80,734

Per capita income

$29,013

U.S. $44,673

Poverty rate

17.3%

U.S. 12.5%

Households earning $150K+

6.1%

U.S. 23%

Income inequality (Gini)

0.393

U.S. 0.483

Housing

Median home value

49656

$135,500

Lake Co.

$133,900

Michigan

$231,600

United States

$332,700

Median gross rent

49656

$1,007

Lake Co.

$875

Michigan

$1,129

United States

$1,413

Types of housing

Single-family

78%

2–4 units

5–19 units

20+ units

Mobile home

22%

Boat, RV, van

Housing units: 1,487
Owner-occupied: 79.1%
Vacant: 52.4%
Median year built: 1976
Median rooms: 4.8
Renters paying 30%+ of income: 22%
Renters paying 50%+ of income: 17.9%
Home value to income: 2.4× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

73%

Carpooled

Transit

Walked

Bicycle

0.1%

Worked from home

11%

Other

Commute time (one way)

<10 min

10–19

20–29

30–44

28%

45–59

38%

60+

Average commute

36.2 min

U.S. 26.4 min

Unemployment

2.5%

U.S. 5.2%

In labor force

46.8%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Production

30%

Healthcare

11%

Transportation and moving

11%

Management

10%

Office and admin

Cleaning and personal care

Food service

Construction and repair

Sales

Business and finance

Farming, fishing and forestry

Arts, media and sports

Computer and math

Education

Engineering and science

0.8%

Legal and social services

Police and fire

Industries

Manufacturing

34%

Health care and social assistance

15%

Retail

10%

Restaurants and hotels

Transportation, warehousing and utilities

Finance, insurance and real estate

Admin, support and management

Construction

Public administration

Education

Professional and technical services

Information

Other services

Agriculture and mining

Arts and recreation

0.4%

Wholesale

0.1%

Median earnings per worker

$31,608

U.S. $49,666

Self-employed

7.2%

U.S. 10%

Government workers

6.8%

U.S. 14.5%

Nonprofit workers

5.5%

U.S. 8.8%

Median earnings by type of work

Type of work	49656	U.S.
Management, business, science and arts	$59,205	$74,888
Service	$23,750	$26,804
Sales and office	$26,250	$40,476
Construction and maintenance	$21,750	$49,199
Production and transportation	$31,250	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

11%

High school

54%

Some college

18%

Associate's

Bachelor's

Graduate

High school graduate or higher: 89.1%
Bachelor's degree or higher: 11%
Graduate or professional degree: 2.4%
Households with broadband: 81.4%
Cable, fiber or DSL: 15.3%
No internet access: 17.5%
Without health insurance: 6.4%
Limited-English households: 0%

Geography

City (USPS): Luther
State: Michigan
County: Lake County
Center point: 44.0556° N, 85.6975° W
Land area: 117 sq mi
Water area: 0.5 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Zip codes near 49656

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
49623	Chase, MI	10 mi	986	$60,147	$132,900
49642	Idlewild, MI	11 mi	985	$26,950	$116,100
49644	Irons, MI	12 mi	1,715	$54,013	$175,400
49304	Baldwin, MI	13 mi	5,408	$45,991	$116,000
49655	Leroy, MI	13 mi	3,383	$65,556	$180,300
49677	Reed City, MI	14 mi	7,028	$59,112	$142,000
49688	Tustin, MI	14 mi	2,508	$63,875	$188,500
49689	Wellston, MI	15 mi	1,731	$64,070	$155,200
49601	Cadillac, MI	15 mi	22,092	$63,498	$174,000
49638	Harrietta, MI	16 mi	913	$45,625	$142,900
49402	Branch, MI	18 mi	1,411	$51,324	$169,800
49618	Boon, MI	18 mi	798	$53,654	$198,600

Zip codes like 49656 elsewhere

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

Questions about 49656

What city is zip code 49656?

49656 is assigned to Luther, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 49656 in?

49656 is in Lake County, Michigan.

What is the population of 49656?

About 1,908 people live in 49656, according to the Census Bureau's American Community Survey.

What time zone is 49656 in?

49656 is in Eastern Time.

What is the median household income in 49656?

The median household income in 49656 is $56,656.

What zip codes are near 49656?

The closest zip codes to 49656 are 49623, 49642, 49644, 49304, 49655.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 49656, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.