Zip code 49712: Boyne City, Michigan

Q: What city is zip code 49712?

49712 is assigned to Boyne City, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 49712 in?

49712 is mostly in Charlevoix County, but it extends into 1 other county.

Q: What is the population of 49712?

About 8,203 people live in 49712, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 49712?

The median household income in 49712 is $74,033.

Q: What zip codes are near 49712?

The closest zip codes to 49712 are 49796, 49727, 49713, 49770, 49711.

Residential delivery areaCharlevoix CountyEastern Time

Population

8,203

Median household income

$74K

U.S. $81K

Median home value

$295K

U.S. $333K

Median rent

$941/mo

U.S. $1,413

Median age

50.8

U.S. 38.9

Land area

73 sq mi

113 people/sq mi

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

About 49712

49712 is a small-town zip code in Boyne City, Michigan (Charlevoix County), covering 73 sq mi of land. About 8,203 people live here, or 113 per square mile. The median resident is 50.8 years old, compared with 38.9 nationally.

The median household earns $74,033 a year, close to the national median of $80,734. 7% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $294,800, or 4.0 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 81% of occupied homes are lived in by their owners, and renters pay a median of $941 a month.

34% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 18.8 minutes each way, and 12% of workers work from home. The most common jobs among working residents are in management; cleaning and personal care; and construction and repair.

How 49712 compares

Sorted from highest to lowest national percentile

Median age50.8
96th
U.S. 38.9 · MI 40.2185th of 962 in MI
Housing vacancy24%
96th
U.S. 10.1% · MI 11.8%273rd of 958 in MI
Residents 65 and older26.9%
94th
U.S. 17.2% · MI 18.6%201st of 962 in MI
Self-employed workers13.3%
84th
U.S. 10% · MI 8.6%194th of 961 in MI
Homeownership rate81%
81st
StrengthU.S. 65.2% · MI 73.2%609th of 958 in MI
Rent-burdened renters58.8%
80th
WeaknessU.S. 51.1% · MI 50.4%166th of 931 in MI
Per capita income$46,413
65th
U.S. $44,673 · MI $40,735184th of 962 in MI
Veterans6.5%
59th
U.S. 6.2% · MI 5.8%512th of 962 in MI
Bachelor's degree or higher34%
55th
U.S. 35.7% · MI 32.4%235th of 961 in MI
Income inequality (Gini)0.438
53rd
U.S. 0.483 · MI 0.465315th of 958 in MI
Healthcare workers9.6%
52nd
U.S. 9.7% · MI 10.1%466th of 961 in MI
Uninsured rate6.9%
51st
U.S. 8.4% · MI 4.9%218th of 961 in MI
Work from home11.7%
45th
U.S. 15.1% · MI 13.5%341st of 961 in MI
Median home value$294,800
43rd
U.S. $332,700 · MI $231,600181st of 946 in MI
Broadband access91.3%
43rd
U.S. 91% · MI 90.5%318th of 958 in MI
Median household income$74,033
42nd
U.S. $80,734 · MI $72,875384th of 952 in MI
Unemployment rate4%
34th
U.S. 5.2% · MI 5.7%566th of 961 in MI
Median earnings per worker$42,352
30th
U.S. $49,666 · MI $47,178568th of 960 in MI
Poverty rate7%
25th
U.S. 12.5% · MI 13.2%714th of 959 in MI
Tech workers1.4%
20th
U.S. 3.8% · MI 3.1%537th of 961 in MI
Median gross rent$941
17th
U.S. $1,413 · MI $1,129470th of 851 in MI
Residents under 1817.3%
15th
U.S. 22% · MI 21.2%696th of 962 in MI
Population density113/sq mi
14th
U.S. 95/sq mi · MI 178/sq mi488th of 962 in MI
Government workers9.3%
14th
U.S. 14.5% · MI 11.6%692nd of 961 in MI
Population8,203
13th
U.S. 334,922,499 · MI 10,077,761372nd of 962 in MI
Average commute18.8 min
8th
StrengthU.S. 26.4 min · MI 24.2 min840th of 941 in MI
Diversity index14.8
8th
U.S. 61.4 · MI 45.3671st of 962 in MI
Foreign-born residents1.3%
8th
U.S. 14.1% · MI 7.2%597th of 962 in MI

Measure	49712	Charlevoix	MI	U.S.	National percentile	Rank in MI
Median age	50.8	50.4	40.2	38.9	96th	185th of 962
Housing vacancy	24%	30.5%	11.8%	10.1%	96th	273rd of 958
Residents 65 and older	26.9%	27.1%	18.6%	17.2%	94th	201st of 962
Self-employed workers	13.3%	13.8%	8.6%	10%	84th	194th of 961
Homeownership rateStrength	81%	83.5%	73.2%	65.2%	81st	609th of 958
Rent-burdened rentersWeakness	58.8%	49.4%	50.4%	51.1%	80th	166th of 931
Per capita income	$46,413	$48,894	$40,735	$44,673	65th	184th of 962
Veterans	6.5%	7.3%	5.8%	6.2%	59th	512th of 962
Bachelor's degree or higher	34%	35.2%	32.4%	35.7%	55th	235th of 961
Income inequality (Gini)	0.438	0.461	0.465	0.483	53rd	315th of 958
Healthcare workers	9.6%	10.2%	10.1%	9.7%	52nd	466th of 961
Uninsured rate	6.9%	6.2%	4.9%	8.4%	51st	218th of 961
Work from home	11.7%	12.4%	13.5%	15.1%	45th	341st of 961
Median home value	$294,800	$276,800	$231,600	$332,700	43rd	181st of 946
Broadband access	91.3%	90.1%	90.5%	91%	43rd	318th of 958
Median household income	$74,033	$76,531	$72,875	$80,734	42nd	384th of 952
Unemployment rate	4%	3.4%	5.7%	5.2%	34th	566th of 961
Median earnings per worker	$42,352	$46,328	$47,178	$49,666	30th	568th of 960
Poverty rate	7%	8.7%	13.2%	12.5%	25th	714th of 959
Tech workers	1.4%	1.6%	3.1%	3.8%	20th	537th of 961
Median gross rent	$941	$949	$1,129	$1,413	17th	470th of 851
Residents under 18	17.3%	17.6%	21.2%	22%	15th	696th of 962
Population density	113/sq mi	63/sq mi	178/sq mi	95/sq mi	14th	488th of 962
Government workers	9.3%	9.9%	11.6%	14.5%	14th	692nd of 961
Population	8,203	26,108	10,077,761	334,922,499	13th	372nd of 962
Average commuteStrength	18.8 min	19.9 min	24.2 min	26.4 min	8th	840th of 941
Diversity index	14.8	14.6	45.3	61.4	8th	671st of 962
Foreign-born residents	1.3%	1.8%	7.2%	14.1%	8th	597th of 962

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

10%

35–44

12%

45–54

17%

55–64

17%

65–74

10%

75+

Median age

50.8

Under 18

17.3%

65 and over

26.9%

Race and ethnicity

White92%
Black0.7%
Hispanic2%
Asian0.7%
Native American0.7%
Pacific Islander0%
Other0.3%
Multiracial3%

Diversity index

14.8

U.S. 61.4

Foreign-born

1.3%

U.S. 14.1%

Born in state

82.6%

Language spoken at home (households)

English only

95%

Spanish

Other Indo-European

Asian / Pacific

0.9%

Other

0.6%

Households

Households: 3,871
Average household size: 2.1
Family households: 64.7%
Married couples: 53%
Living alone: 28%
Veterans (of adults): 6.5%
Male / female: 48% / 52%

Income and poverty

Household income distribution

<$25k

11%

$25–50k

18%

$50–75k

22%

$75–100k

16%

$100–150k

16%

$150–200k

$200k+

Median household income

49712

$74,033

Charlevoix Co.

$76,531

Michigan

$72,875

United States

$80,734

Per capita income

$46,413

U.S. $44,673

Poverty rate

U.S. 12.5%

Households earning $150K+

16.8%

U.S. 23%

Income inequality (Gini)

0.438

U.S. 0.483

Housing

Median home value

49712

$294,800

Charlevoix Co.

$276,800

Michigan

$231,600

United States

$332,700

Median gross rent

49712

$941

Charlevoix Co.

$949

Michigan

$1,129

United States

$1,413

Types of housing

Single-family

79%

2–4 units

5–19 units

20+ units

Mobile home

Boat, RV, van

0.1%

Housing units: 5,092
Owner-occupied: 81%
Vacant: 24%
Median year built: 1982
Median rooms: 5.9
Renters paying 30%+ of income: 58.8%
Renters paying 50%+ of income: 8.6%
Home value to income: 4.0× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

75%

Carpooled

Transit

0.7%

Walked

Bicycle

0.3%

Worked from home

12%

Other

Commute time (one way)

<10 min

29%

10–19

29%

20–29

19%

30–44

15%

45–59

60+

Average commute

18.8 min

U.S. 26.4 min

Unemployment

U.S. 5.2%

In labor force

61%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

12%

Cleaning and personal care

10%

Construction and repair

10%

Healthcare

10%

Office and admin

Sales

Food service

Production

Education

Engineering and science

Transportation and moving

Business and finance

Legal and social services

Arts, media and sports

Computer and math

Police and fire

Farming, fishing and forestry

0.2%

Industries

Manufacturing

14%

Health care and social assistance

13%

Retail

11%

Restaurants and hotels

10%

Construction

Education

Admin, support and management

Professional and technical services

Other services

Finance, insurance and real estate

Transportation, warehousing and utilities

Arts and recreation

Public administration

Agriculture and mining

Wholesale

0.9%

Information

0.4%

Median earnings per worker

$42,352

U.S. $49,666

Self-employed

13.3%

U.S. 10%

Government workers

9.3%

U.S. 14.5%

Nonprofit workers

8.6%

U.S. 8.8%

Median earnings by type of work

Type of work	49712	U.S.
Management, business, science and arts	$68,315	$74,888
Service	$24,961	$26,804
Sales and office	$41,209	$40,476
Construction and maintenance	$41,250	$49,199
Production and transportation	$36,875	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

26%

Some college

23%

Associate's

14%

Bachelor's

20%

Graduate

14%

High school graduate or higher: 96.8%
Bachelor's degree or higher: 34%
Graduate or professional degree: 14.1%
Households with broadband: 91.3%
Cable, fiber or DSL: 78.2%
No internet access: 6%
Without health insurance: 6.9%
Limited-English households: 0.4%

Geography

City (USPS): Boyne City
State: Michigan
County: Charlevoix County
Center point: 45.2112° N, 85.0110° W
Land area: 73 sq mi
Water area: 11 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

49712 spans 2 counties

Charlevoix County90% of land
Antrim County10% of land

Cities and towns within this zip

Horton Bay (unincorporated)6% of zip
Boyne City6% of zip
Advance (unincorporated)4% of zip

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

Zip codes near 49712

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
49796	Walloon Lake, MI	5.2 mi	359	$87,434	$282,300
49727	East Jordan, MI	7 mi	6,755	$70,865	$222,200
49713	Boyne Falls, MI	8.1 mi	2,011	$82,563	$244,000
49770	Petoskey, MI	10 mi	18,221	$79,590	$355,200
49711	Bay Shore, MI · PO box	11 mi	—	—	—
49720	Charlevoix, MI	12 mi	9,017	$77,603	$297,500
49730	Elmira, MI	14 mi	2,170	$79,679	$207,200
49729	Ellsworth, MI	14 mi	1,470	$77,870	$243,200
49622	Central Lake, MI	16 mi	2,634	$70,098	$234,400
49611	Alba, MI	16 mi	259	$101,304	—
49722	Conway, MI	16 mi	73	$87,721	$488,200
49764	Oden, MI	17 mi	46	—	—

Zip codes like 49712 elsewhere

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

Questions about 49712

What city is zip code 49712?

49712 is assigned to Boyne City, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 49712 in?

49712 is mostly in Charlevoix County, but it extends into 1 other county.

What is the population of 49712?

About 8,203 people live in 49712, according to the Census Bureau's American Community Survey.

What time zone is 49712 in?

49712 is in Eastern Time.

What is the median household income in 49712?

The median household income in 49712 is $74,033.

What zip codes are near 49712?

The closest zip codes to 49712 are 49796, 49727, 49713, 49770, 49711.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 49712, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.