Zip code 49720: Charlevoix, Michigan

Q: What city is zip code 49720?

49720 is assigned to Charlevoix, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 49720 in?

49720 is mostly in Charlevoix County, but it extends into 1 other county.

Q: What is the population of 49720?

About 9,017 people live in 49720, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 49720?

The median household income in 49720 is $77,603.

Q: What zip codes are near 49720?

The closest zip codes to 49720 are 49729, 49711, 49727, 49712, 49627.

Residential delivery areaCharlevoix CountyEastern Time

Population

9,017

Median household income

$78K

U.S. $81K

Median home value

$298K

U.S. $333K

Median rent

$1,010/mo

U.S. $1,413

Median age

52.6

U.S. 38.9

Land area

96 sq mi

94 people/sq mi

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

About 49720

49720 is a small-town zip code in Charlevoix, Michigan (Charlevoix County), covering 96 sq mi of land. About 9,017 people live here, or 94 per square mile. The median resident is 52.6 years old, compared with 38.9 nationally.

The median household earns $77,603 a year, close to the national median of $80,734. 10.2% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $297,500, or 3.8 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 82% of occupied homes are lived in by their owners, and renters pay a median of $1,010 a month.

41% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 18 minutes each way, and 12% of workers work from home. The most common jobs among working residents are in management; construction and repair; and healthcare. 16% of them are self-employed (U.S.: 10%).

How 49720 compares

Sorted from highest to lowest national percentile

Median age52.6
97th
U.S. 38.9 · MI 40.2154th of 962 in MI
Housing vacancy28.9%
97th
U.S. 10.1% · MI 11.8%230th of 958 in MI
Residents 65 and older29.2%
96th
U.S. 17.2% · MI 18.6%150th of 962 in MI
Self-employed workers16%
93rd
U.S. 10% · MI 8.6%97th of 961 in MI
Income inequality (Gini)0.492
86th
WeaknessU.S. 0.483 · MI 0.46580th of 958 in MI
Homeownership rate81.9%
83rd
StrengthU.S. 65.2% · MI 73.2%585th of 958 in MI
Per capita income$55,084
79th
U.S. $44,673 · MI $40,73585th of 962 in MI
Rent-burdened renters58.5%
79th
U.S. 51.1% · MI 50.4%171st of 931 in MI
Healthcare workers11.2%
73rd
U.S. 9.7% · MI 10.1%284th of 961 in MI
Veterans7.5%
72nd
U.S. 6.2% · MI 5.8%357th of 962 in MI
Bachelor's degree or higher41.4%
68th
U.S. 35.7% · MI 32.4%152nd of 961 in MI
Broadband access92.5%
53rd
U.S. 91% · MI 90.5%240th of 958 in MI
Work from home12.4%
48th
U.S. 15.1% · MI 13.5%312th of 961 in MI
Median earnings per worker$47,427
48th
U.S. $49,666 · MI $47,178345th of 960 in MI
Median household income$77,603
47th
U.S. $80,734 · MI $72,875329th of 952 in MI
Poverty rate10.2%
46th
U.S. 12.5% · MI 13.2%508th of 959 in MI
Median home value$297,500
43rd
U.S. $332,700 · MI $231,600175th of 946 in MI
Uninsured rate5.4%
37th
U.S. 8.4% · MI 4.9%360th of 961 in MI
Government workers11.2%
28th
U.S. 14.5% · MI 11.6%509th of 961 in MI
Tech workers1.6%
25th
U.S. 3.8% · MI 3.1%488th of 961 in MI
Median gross rent$1,010
22nd
U.S. $1,413 · MI $1,129373rd of 851 in MI
Unemployment rate3.2%
19th
StrengthU.S. 5.2% · MI 5.7%694th of 961 in MI
Population9,017
14th
U.S. 334,922,499 · MI 10,077,761350th of 962 in MI
Foreign-born residents2.4%
14th
U.S. 14.1% · MI 7.2%381st of 962 in MI
Population density94/sq mi
13th
U.S. 95/sq mi · MI 178/sq mi529th of 962 in MI
Residents under 1816.5%
12th
U.S. 22% · MI 21.2%737th of 962 in MI
Diversity index15.5
8th
U.S. 61.4 · MI 45.3640th of 962 in MI
Average commute18 min
6th
StrengthU.S. 26.4 min · MI 24.2 min870th of 941 in MI

Measure	49720	Charlevoix	MI	U.S.	National percentile	Rank in MI
Median age	52.6	50.4	40.2	38.9	97th	154th of 962
Housing vacancy	28.9%	30.5%	11.8%	10.1%	97th	230th of 958
Residents 65 and older	29.2%	27.1%	18.6%	17.2%	96th	150th of 962
Self-employed workers	16%	13.8%	8.6%	10%	93rd	97th of 961
Income inequality (Gini)Weakness	0.492	0.461	0.465	0.483	86th	80th of 958
Homeownership rateStrength	81.9%	83.5%	73.2%	65.2%	83rd	585th of 958
Per capita income	$55,084	$48,894	$40,735	$44,673	79th	85th of 962
Rent-burdened renters	58.5%	49.4%	50.4%	51.1%	79th	171st of 931
Healthcare workers	11.2%	10.2%	10.1%	9.7%	73rd	284th of 961
Veterans	7.5%	7.3%	5.8%	6.2%	72nd	357th of 962
Bachelor's degree or higher	41.4%	35.2%	32.4%	35.7%	68th	152nd of 961
Broadband access	92.5%	90.1%	90.5%	91%	53rd	240th of 958
Work from home	12.4%	12.4%	13.5%	15.1%	48th	312th of 961
Median earnings per worker	$47,427	$46,328	$47,178	$49,666	48th	345th of 960
Median household income	$77,603	$76,531	$72,875	$80,734	47th	329th of 952
Poverty rate	10.2%	8.7%	13.2%	12.5%	46th	508th of 959
Median home value	$297,500	$276,800	$231,600	$332,700	43rd	175th of 946
Uninsured rate	5.4%	6.2%	4.9%	8.4%	37th	360th of 961
Government workers	11.2%	9.9%	11.6%	14.5%	28th	509th of 961
Tech workers	1.6%	1.6%	3.1%	3.8%	25th	488th of 961
Median gross rent	$1,010	$949	$1,129	$1,413	22nd	373rd of 851
Unemployment rateStrength	3.2%	3.4%	5.7%	5.2%	19th	694th of 961
Population	9,017	26,108	10,077,761	334,922,499	14th	350th of 962
Foreign-born residents	2.4%	1.8%	7.2%	14.1%	14th	381st of 962
Population density	94/sq mi	63/sq mi	178/sq mi	95/sq mi	13th	529th of 962
Residents under 18	16.5%	17.6%	21.2%	22%	12th	737th of 962
Diversity index	15.5	14.6	45.3	61.4	8th	640th of 962
Average commuteStrength	18 min	19.9 min	24.2 min	26.4 min	6th	870th 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

13%

5–17

18–24

10%

25–34

10%

35–44

10%

45–54

19%

55–64

17%

65–74

13%

75+

Median age

52.6

Under 18

16.5%

65 and over

29.2%

Race and ethnicity

White92%
Black0.7%
Hispanic2%
Asian0.9%
Native American0.6%
Pacific Islander0%
Other0.5%
Multiracial3%

Diversity index

15.5

U.S. 61.4

Foreign-born

2.4%

U.S. 14.1%

Born in state

76.9%

Language spoken at home (households)

English only

95%

Spanish

Other Indo-European

Asian / Pacific

0.6%

Other

0.8%

Households

Households: 4,416
Average household size: 2
Family households: 63.9%
Married couples: 51%
Living alone: 30.4%
Veterans (of adults): 7.5%
Male / female: 50% / 50%

Income and poverty

Household income distribution

<$25k

15%

$25–50k

17%

$50–75k

16%

$75–100k

16%

$100–150k

15%

$150–200k

10%

$200k+

12%

Median household income

49720

$77,603

Charlevoix Co.

$76,531

Michigan

$72,875

United States

$80,734

Per capita income

$55,084

U.S. $44,673

Poverty rate

10.2%

U.S. 12.5%

Households earning $150K+

21.4%

U.S. 23%

Income inequality (Gini)

0.492

U.S. 0.483

Housing

Median home value

49720

$297,500

Charlevoix Co.

$276,800

Michigan

$231,600

United States

$332,700

Median gross rent

49720

$1,010

Charlevoix Co.

$949

Michigan

$1,129

United States

$1,413

Types of housing

Single-family

78%

2–4 units

5–19 units

20+ units

Mobile home

Boat, RV, van

Housing units: 6,215
Owner-occupied: 81.9%
Vacant: 28.9%
Median year built: 1980
Median rooms: 6.1
Renters paying 30%+ of income: 58.5%
Renters paying 50%+ of income: 32.2%
Home value to income: 3.8× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

74%

Carpooled

Transit

0.2%

Walked

Bicycle

Worked from home

12%

Other

0.3%

Commute time (one way)

<10 min

29%

10–19

36%

20–29

17%

30–44

12%

45–59

60+

Average commute

18 min

U.S. 26.4 min

Unemployment

3.2%

U.S. 5.2%

In labor force

55.4%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

11%

Construction and repair

11%

Healthcare

11%

Office and admin

11%

Sales

Cleaning and personal care

Transportation and moving

Production

Food service

Business and finance

Education

Engineering and science

Legal and social services

Arts, media and sports

Police and fire

Computer and math

Farming, fishing and forestry

0.2%

Industries

Health care and social assistance

17%

Manufacturing

15%

Retail

11%

Restaurants and hotels

Construction

Education

Professional and technical services

Finance, insurance and real estate

Public administration

Other services

Transportation, warehousing and utilities

Admin, support and management

Arts and recreation

Wholesale

Agriculture and mining

Information

Median earnings per worker

$47,427

U.S. $49,666

Self-employed

16%

U.S. 10%

Government workers

11.2%

U.S. 14.5%

Nonprofit workers

9.7%

U.S. 8.8%

Median earnings by type of work

Type of work	49720	U.S.
Management, business, science and arts	$73,451	$74,888
Service	$30,610	$26,804
Sales and office	$44,631	$40,476
Construction and maintenance	$50,865	$49,199
Production and transportation	$36,910	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

23%

Some college

22%

Associate's

Bachelor's

24%

Graduate

18%

High school graduate or higher: 95.2%
Bachelor's degree or higher: 41.4%
Graduate or professional degree: 17.6%
Households with broadband: 92.5%
Cable, fiber or DSL: 74.9%
No internet access: 6.4%
Without health insurance: 5.4%
Limited-English households: 0.7%

Geography

City (USPS): Charlevoix
State: Michigan
County: Charlevoix County
Center point: 45.2805° N, 85.2451° W
Land area: 96 sq mi
Water area: 30 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

49720 spans 2 counties

Charlevoix County91% of land
Antrim County9% of land

Cities and towns within this zip

Charlevoix2% of zip
Norwood (unincorporated)2% of zip
Bay Shore (unincorporated)2% of zip
Ironton (unincorporated)1% of zip

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

Zip codes near 49720

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
49729	Ellsworth, MI	8.4 mi	1,470	$77,870	$243,200
49711	Bay Shore, MI · PO box	9 mi	—	—	—
49727	East Jordan, MI	12 mi	6,755	$70,865	$222,200
49712	Boyne City, MI	12 mi	8,203	$74,033	$294,800
49627	Eastport, MI	13 mi	229	$56,196	$532,100
49622	Central Lake, MI	14 mi	2,634	$70,098	$234,400
49796	Walloon Lake, MI	14 mi	359	$87,434	$282,300
49770	Petoskey, MI	17 mi	18,221	$79,590	$355,200
49713	Boyne Falls, MI	20 mi	2,011	$82,563	$244,000
49648	Kewadin, MI	20 mi	2,577	$93,272	$633,500
49740	Harbor Springs, MI	21 mi	7,197	$89,250	$363,500
49722	Conway, MI	21 mi	73	$87,721	$488,200

Zip codes like 49720 elsewhere

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

Questions about 49720

What city is zip code 49720?

49720 is assigned to Charlevoix, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 49720 in?

49720 is mostly in Charlevoix County, but it extends into 1 other county.

What is the population of 49720?

About 9,017 people live in 49720, according to the Census Bureau's American Community Survey.

What time zone is 49720 in?

49720 is in Eastern Time.

What is the median household income in 49720?

The median household income in 49720 is $77,603.

What zip codes are near 49720?

The closest zip codes to 49720 are 49729, 49711, 49727, 49712, 49627.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 49720, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.