Zip code 49686: Traverse City, Michigan

Q: What city is zip code 49686?

49686 is assigned to Traverse City, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 49686 in?

49686 is in Grand Traverse County, Michigan.

Q: What is the population of 49686?

About 25,492 people live in 49686, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 49686?

The median household income in 49686 is $71,609.

Q: What zip codes are near 49686?

The closest zip codes to 49686 are 49610, 49673, 49690, 49629, 49684.

Residential delivery areaGrand Traverse CountyEastern Time

Population

25,492

Median household income

$72K

U.S. $81K

Median home value

$345K

U.S. $333K

Median rent

$1,227/mo

U.S. $1,413

Median age

47.5

U.S. 38.9

Land area

47 sq mi

539 people/sq mi

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

About 49686

49686 is a suburban zip code in Traverse City, Michigan (Grand Traverse County), covering 47 sq mi of land. About 25,492 people live here, or 539 per square mile. The median resident is 47.5 years old, compared with 38.9 nationally.

The median household earns $71,609 a year, close to the national median of $80,734. 12.8% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $344,700, or 4.8 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 73% of occupied homes are lived in by their owners, and renters pay a median of $1,227 a month.

46% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 18.8 minutes each way, and 19% of workers work from home. The most common jobs among working residents are in management, healthcare and sales.

How 49686 compares

Sorted from highest to lowest national percentile

Residents 65 and older26.6%
94th
U.S. 17.2% · MI 18.6%210th of 962 in MI
Median age47.5
92nd
U.S. 38.9 · MI 40.2289th of 962 in MI
Income inequality (Gini)0.497
88th
WeaknessU.S. 0.483 · MI 0.46571st of 958 in MI
Self-employed workers13.6%
86th
U.S. 10% · MI 8.6%180th of 961 in MI
Healthcare workers11.7%
79th
U.S. 9.7% · MI 10.1%218th of 961 in MI
Housing vacancy11.4%
77th
U.S. 10.1% · MI 11.8%465th of 958 in MI
Bachelor's degree or higher46.3%
75th
U.S. 35.7% · MI 32.4%113th of 961 in MI
Per capita income$50,606
73rd
U.S. $44,673 · MI $40,735125th of 962 in MI
Work from home18.5%
73rd
U.S. 15.1% · MI 13.5%130th of 961 in MI
Poverty rate12.8%
60th
U.S. 12.5% · MI 13.2%357th of 959 in MI
Homeownership rate72.5%
60th
U.S. 65.2% · MI 73.2%773rd of 958 in MI
Veterans6.5%
59th
U.S. 6.2% · MI 5.8%516th of 962 in MI
Rent-burdened renters52.3%
56th
U.S. 51.1% · MI 50.4%315th of 931 in MI
Tech workers3.1%
54th
U.S. 3.8% · MI 3.1%237th of 961 in MI
Median home value$344,700
52nd
U.S. $332,700 · MI $231,600107th of 946 in MI
Broadband access91.3%
43rd
U.S. 91% · MI 90.5%321st of 958 in MI
Population25,492
41st
U.S. 334,922,499 · MI 10,077,761127th of 962 in MI
Median earnings per worker$44,708
39th
U.S. $49,666 · MI $47,178466th of 960 in MI
Median household income$71,609
38th
U.S. $80,734 · MI $72,875425th of 952 in MI
Median gross rent$1,227
38th
U.S. $1,413 · MI $1,129172nd of 851 in MI
Population density539/sq mi
34th
U.S. 95/sq mi · MI 178/sq mi272nd of 962 in MI
Uninsured rate5%
33rd
U.S. 8.4% · MI 4.9%410th of 961 in MI
Unemployment rate3.6%
26th
U.S. 5.2% · MI 5.7%637th of 961 in MI
Government workers9.7%
17th
U.S. 14.5% · MI 11.6%652nd of 961 in MI
Diversity index19.8
12th
U.S. 61.4 · MI 45.3478th of 962 in MI
Foreign-born residents2%
12th
U.S. 14.1% · MI 7.2%454th of 962 in MI
Residents under 1815.4%
9th
U.S. 22% · MI 21.2%787th of 962 in MI
Average commute18.8 min
8th
StrengthU.S. 26.4 min · MI 24.2 min841st of 941 in MI

Measure	49686	Grand Traverse	MI	U.S.	National percentile	Rank in MI
Residents 65 and older	26.6%	22%	18.6%	17.2%	94th	210th of 962
Median age	47.5	43.5	40.2	38.9	92nd	289th of 962
Income inequality (Gini)Weakness	0.497	0.438	0.465	0.483	88th	71st of 958
Self-employed workers	13.6%	12.7%	8.6%	10%	86th	180th of 961
Healthcare workers	11.7%	11%	10.1%	9.7%	79th	218th of 961
Housing vacancy	11.4%	14.3%	11.8%	10.1%	77th	465th of 958
Bachelor's degree or higher	46.3%	40.6%	32.4%	35.7%	75th	113th of 961
Per capita income	$50,606	$45,034	$40,735	$44,673	73rd	125th of 962
Work from home	18.5%	15.2%	13.5%	15.1%	73rd	130th of 961
Poverty rate	12.8%	9.6%	13.2%	12.5%	60th	357th of 959
Homeownership rate	72.5%	77.2%	73.2%	65.2%	60th	773rd of 958
Veterans	6.5%	6.6%	5.8%	6.2%	59th	516th of 962
Rent-burdened renters	52.3%	50.3%	50.4%	51.1%	56th	315th of 931
Tech workers	3.1%	3%	3.1%	3.8%	54th	237th of 961
Median home value	$344,700	$339,400	$231,600	$332,700	52nd	107th of 946
Broadband access	91.3%	91.9%	90.5%	91%	43rd	321st of 958
Population	25,492	96,166	10,077,761	334,922,499	41st	127th of 962
Median earnings per worker	$44,708	$46,840	$47,178	$49,666	39th	466th of 960
Median household income	$71,609	$81,647	$72,875	$80,734	38th	425th of 952
Median gross rent	$1,227	$1,288	$1,129	$1,413	38th	172nd of 851
Population density	539/sq mi	207/sq mi	178/sq mi	95/sq mi	34th	272nd of 962
Uninsured rate	5%	4.3%	4.9%	8.4%	33rd	410th of 961
Unemployment rate	3.6%	3.8%	5.7%	5.2%	26th	637th of 961
Government workers	9.7%	9%	11.6%	14.5%	17th	652nd of 961
Diversity index	19.8	17.8	45.3	61.4	12th	478th of 962
Foreign-born residents	2%	2%	7.2%	14.1%	12th	454th of 962
Residents under 18	15.4%	19.4%	21.2%	22%	9th	787th of 962
Average commuteStrength	18.8 min	20.6 min	24.2 min	26.4 min	8th	841st 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

12%

5–17

18–24

13%

25–34

11%

35–44

11%

45–54

15%

55–64

16%

65–74

11%

75+

Median age

47.5

Under 18

15.4%

65 and over

26.6%

Race and ethnicity

White89%
Black0.6%
Hispanic5%
Asian0.7%
Native American0.1%
Pacific Islander0%
Other0.0%
Multiracial5%

Diversity index

19.8

U.S. 61.4

Foreign-born

U.S. 14.1%

Born in state

74.8%

Language spoken at home (households)

English only

96%

Spanish

Other Indo-European

Asian / Pacific

0.4%

Other

0.1%

Households

Households: 12,007
Average household size: 2.1
Family households: 54.3%
Married couples: 42.4%
Living alone: 37.9%
Veterans (of adults): 6.5%
Male / female: 50% / 50%

Income and poverty

Household income distribution

<$25k

16%

$25–50k

17%

$50–75k

18%

$75–100k

13%

$100–150k

17%

$150–200k

$200k+

12%

Median household income

49686

$71,609

Grand Traverse Co.

$81,647

Michigan

$72,875

United States

$80,734

Per capita income

$50,606

U.S. $44,673

Poverty rate

12.8%

U.S. 12.5%

Households earning $150K+

18.8%

U.S. 23%

Income inequality (Gini)

0.497

U.S. 0.483

Housing

Median home value

49686

$344,700

Grand Traverse Co.

$339,400

Michigan

$231,600

United States

$332,700

Median gross rent

49686

$1,227

Grand Traverse Co.

$1,288

Michigan

$1,129

United States

$1,413

Types of housing

Single-family

69%

2–4 units

5–19 units

10%

20+ units

Mobile home

Boat, RV, van

Housing units: 13,547
Owner-occupied: 72.5%
Vacant: 11.4%
Median year built: 1983
Median rooms: 5.7
Renters paying 30%+ of income: 52.3%
Renters paying 50%+ of income: 21.4%
Home value to income: 4.8× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

63%

Carpooled

11%

Transit

0.7%

Walked

Bicycle

Worked from home

19%

Other

0.7%

Commute time (one way)

<10 min

19%

10–19

47%

20–29

19%

30–44

45–59

60+

Average commute

18.8 min

U.S. 26.4 min

Unemployment

3.6%

U.S. 5.2%

In labor force

61.5%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

12%

Healthcare

12%

Sales

12%

Office and admin

Education

Construction and repair

Transportation and moving

Cleaning and personal care

Business and finance

Production

Food service

Arts, media and sports

Engineering and science

Computer and math

Legal and social services

Police and fire

Farming, fishing and forestry

0.3%

Industries

Health care and social assistance

17%

Retail

13%

Manufacturing

11%

Education

10%

Professional and technical services

Finance, insurance and real estate

Restaurants and hotels

Construction

Other services

Admin, support and management

Transportation, warehousing and utilities

Arts and recreation

Wholesale

Public administration

Information

Agriculture and mining

Median earnings per worker

$44,708

U.S. $49,666

Self-employed

13.6%

U.S. 10%

Government workers

9.7%

U.S. 14.5%

Nonprofit workers

13.6%

U.S. 8.8%

Median earnings by type of work

Type of work	49686	U.S.
Management, business, science and arts	$66,516	$74,888
Service	$29,982	$26,804
Sales and office	$36,350	$40,476
Construction and maintenance	$46,150	$49,199
Production and transportation	$34,282	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

19%

Some college

20%

Associate's

10%

Bachelor's

25%

Graduate

21%

High school graduate or higher: 96%
Bachelor's degree or higher: 46.3%
Graduate or professional degree: 21.1%
Households with broadband: 91.3%
Cable, fiber or DSL: 79.2%
No internet access: 6.1%
Without health insurance: 5%
Limited-English households: 0.1%

Geography

City (USPS): Traverse City
State: Michigan
County: Grand Traverse County
Center point: 44.8494° N, 85.5426° W
Land area: 47 sq mi
Water area: 26 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Traverse City11% of zip

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

Zip codes near 49686

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
49610	Acme, MI · PO box	4.9 mi	—	—	—
49673	Old Mission, MI · PO box	7.8 mi	—	—	—
49690	Williamsburg, MI	8.5 mi	6,657	$108,712	$352,200
49629	Elk Rapids, MI	8.9 mi	2,038	$65,302	$394,600
49684	Traverse City, MI	9.2 mi	21,585	$80,788	$420,200
49682	Suttons Bay, MI	11 mi	4,699	$97,813	$396,500
49621	Cedar, MI	11 mi	3,483	$95,446	$396,600
49676	Rapid City, MI	12 mi	3,620	$75,781	$269,300
49653	Lake Leelanau, MI	12 mi	1,766	$85,787	$669,800
49696	Traverse City, MI	12 mi	10,477	$94,803	$306,100
49685	Traverse City, MI	13 mi	21,308	$84,590	$358,500
49674	Omena, MI	14 mi	215	$124,803	$667,400

Zip codes like 49686 elsewhere

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

Questions about 49686

What city is zip code 49686?

49686 is assigned to Traverse City, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 49686 in?

49686 is in Grand Traverse County, Michigan.

What is the population of 49686?

About 25,492 people live in 49686, according to the Census Bureau's American Community Survey.

What time zone is 49686 in?

49686 is in Eastern Time.

What is the median household income in 49686?

The median household income in 49686 is $71,609.

What zip codes are near 49686?

The closest zip codes to 49686 are 49610, 49673, 49690, 49629, 49684.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 49686, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.