Zip code 49740: Harbor Springs, Michigan

Q: What city is zip code 49740?

49740 is assigned to Harbor Springs, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 49740 in?

49740 is in Emmet County, Michigan.

Q: What is the population of 49740?

About 7,197 people live in 49740, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 49740?

The median household income in 49740 is $89,250.

Q: What zip codes are near 49740?

The closest zip codes to 49740 are 49769, 49737, 49723, 49722, 49764.

Residential delivery areaEmmet CountyEastern Time

Population

7,197

Median household income

$89K

U.S. $81K

Median home value

$364K

U.S. $333K

Median rent

$991/mo

U.S. $1,413

Median age

56.2

U.S. 38.9

Land area

125 sq mi

58 people/sq mi

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

About 49740

49740 is a small-town zip code in Harbor Springs, Michigan (Emmet County), covering 125 sq mi of land. About 7,197 people live here, or 58 per square mile. The median resident is 56.2 years old, compared with 38.9 nationally.

The median household earns $89,250 a year, close to the national median of $80,734. 6.7% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $363,500, or 4.1 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 88% of occupied homes are lived in by their owners, and renters pay a median of $991 a month.

48% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 21.1 minutes each way, and 15% of workers work from home. The most common jobs among working residents are in management; construction and repair; and sales. 25% of them are self-employed (U.S.: 10%).

How 49740 compares

Sorted from highest to lowest national percentile

Housing vacancy45.1%
99th
U.S. 10.1% · MI 11.8%108th of 958 in MI
Self-employed workers25.3%
99th
U.S. 10% · MI 8.6%20th of 961 in MI
Median age56.2
98th
U.S. 38.9 · MI 40.2111th of 962 in MI
Residents 65 and older33.6%
98th
U.S. 17.2% · MI 18.6%95th of 962 in MI
Homeownership rate87.7%
93rd
StrengthU.S. 65.2% · MI 73.2%374th of 958 in MI
Income inequality (Gini)0.501
89th
WeaknessU.S. 0.483 · MI 0.46564th of 958 in MI
Per capita income$59,642
84th
StrengthU.S. $44,673 · MI $40,73563rd of 962 in MI
Bachelor's degree or higher47.5%
76th
U.S. 35.7% · MI 32.4%100th of 961 in MI
Median household income$89,250
61st
U.S. $80,734 · MI $72,875186th of 952 in MI
Work from home15.1%
61st
U.S. 15.1% · MI 13.5%203rd of 961 in MI
Median home value$363,500
56th
U.S. $332,700 · MI $231,60090th of 946 in MI
Veterans6.2%
55th
U.S. 6.2% · MI 5.8%561st of 962 in MI
Uninsured rate7.1%
52nd
U.S. 8.4% · MI 4.9%203rd of 961 in MI
Healthcare workers9.3%
47th
U.S. 9.7% · MI 10.1%508th of 961 in MI
Broadband access91.5%
45th
U.S. 91% · MI 90.5%312th of 958 in MI
Median earnings per worker$46,628
45th
U.S. $49,666 · MI $47,178369th of 960 in MI
Unemployment rate3.6%
26th
U.S. 5.2% · MI 5.7%635th of 961 in MI
Poverty rate6.7%
23rd
U.S. 12.5% · MI 13.2%734th of 959 in MI
Median gross rent$991
21st
U.S. $1,413 · MI $1,129401st of 851 in MI
Average commute21.1 min
18th
StrengthU.S. 26.4 min · MI 24.2 min749th of 941 in MI
Tech workers1.3%
18th
U.S. 3.8% · MI 3.1%570th of 961 in MI
Diversity index21.1
14th
U.S. 61.4 · MI 45.3434th of 962 in MI
Population7,197
11th
U.S. 334,922,499 · MI 10,077,761397th of 962 in MI
Foreign-born residents1.8%
11th
U.S. 14.1% · MI 7.2%486th of 962 in MI
Government workers8.7%
10th
U.S. 14.5% · MI 11.6%743rd of 961 in MI
Population density58/sq mi
8th
U.S. 95/sq mi · MI 178/sq mi654th of 962 in MI
Rent-burdened renters30.8%
5th
StrengthU.S. 51.1% · MI 50.4%748th of 931 in MI
Residents under 1813.4%
5th
U.S. 22% · MI 21.2%837th of 962 in MI

Measure	49740	Emmet	MI	U.S.	National percentile	Rank in MI
Housing vacancy	45.1%	30.9%	11.8%	10.1%	99th	108th of 958
Self-employed workers	25.3%	15.2%	8.6%	10%	99th	20th of 961
Median age	56.2	47	40.2	38.9	98th	111th of 962
Residents 65 and older	33.6%	25%	18.6%	17.2%	98th	95th of 962
Homeownership rateStrength	87.7%	77%	73.2%	65.2%	93rd	374th of 958
Income inequality (Gini)Weakness	0.501	0.473	0.465	0.483	89th	64th of 958
Per capita incomeStrength	$59,642	$48,447	$40,735	$44,673	84th	63rd of 962
Bachelor's degree or higher	47.5%	41.6%	32.4%	35.7%	76th	100th of 961
Median household income	$89,250	$78,112	$72,875	$80,734	61st	186th of 952
Work from home	15.1%	10.7%	13.5%	15.1%	61st	203rd of 961
Median home value	$363,500	$315,700	$231,600	$332,700	56th	90th of 946
Veterans	6.2%	6.2%	5.8%	6.2%	55th	561st of 962
Uninsured rate	7.1%	6.4%	4.9%	8.4%	52nd	203rd of 961
Healthcare workers	9.3%	10.1%	10.1%	9.7%	47th	508th of 961
Broadband access	91.5%	91.1%	90.5%	91%	45th	312th of 958
Median earnings per worker	$46,628	$44,932	$47,178	$49,666	45th	369th of 960
Unemployment rate	3.6%	3.2%	5.7%	5.2%	26th	635th of 961
Poverty rate	6.7%	8.5%	13.2%	12.5%	23rd	734th of 959
Median gross rent	$991	$1,112	$1,129	$1,413	21st	401st of 851
Average commuteStrength	21.1 min	19.9 min	24.2 min	26.4 min	18th	749th of 941
Tech workers	1.3%	1.1%	3.1%	3.8%	18th	570th of 961
Diversity index	21.1	20.2	45.3	61.4	14th	434th of 962
Population	7,197	34,125	10,077,761	334,922,499	11th	397th of 962
Foreign-born residents	1.8%	1.5%	7.2%	14.1%	11th	486th of 962
Government workers	8.7%	13.1%	11.6%	14.5%	10th	743rd of 961
Population density	58/sq mi	73/sq mi	178/sq mi	95/sq mi	8th	654th of 962
Rent-burdened rentersStrength	30.8%	44.2%	50.4%	51.1%	5th	748th of 931
Residents under 18	13.4%	18.1%	21.2%	22%	5th	837th 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

11%

5–17

18–24

25–34

11%

35–44

12%

45–54

18%

55–64

22%

65–74

12%

75+

Median age

56.2

Under 18

13.4%

65 and over

33.6%

Race and ethnicity

White89%
Black0.2%
Hispanic3%
Asian0.6%
Native American1%
Pacific Islander0.1%
Other0.7%
Multiracial5%

Diversity index

21.1

U.S. 61.4

Foreign-born

1.8%

U.S. 14.1%

Born in state

73.9%

Language spoken at home (households)

English only

96%

Spanish

Other Indo-European

Asian / Pacific

0.5%

Other

0.1%

Households

Households: 3,321
Average household size: 2.1
Family households: 68.6%
Married couples: 57.9%
Living alone: 27.4%
Veterans (of adults): 6.2%
Male / female: 53% / 47%

Income and poverty

Household income distribution

<$25k

13%

$25–50k

14%

$50–75k

16%

$75–100k

14%

$100–150k

19%

$150–200k

$200k+

15%

Median household income

49740

$89,250

Emmet Co.

$78,112

Michigan

$72,875

United States

$80,734

Per capita income

$59,642

U.S. $44,673

Poverty rate

6.7%

U.S. 12.5%

Households earning $150K+

24.4%

U.S. 23%

Income inequality (Gini)

0.501

U.S. 0.483

Housing

Median home value

49740

$363,500

Emmet Co.

$315,700

Michigan

$231,600

United States

$332,700

Median gross rent

49740

$991

Emmet Co.

$1,112

Michigan

$1,129

United States

$1,413

Types of housing

Single-family

85%

2–4 units

5–19 units

20+ units

Mobile home

Boat, RV, van

0.0%

Housing units: 6,052
Owner-occupied: 87.7%
Vacant: 45.1%
Median year built: 1984
Median rooms: 6.1
Renters paying 30%+ of income: 30.8%
Renters paying 50%+ of income: 10.8%
Home value to income: 4.1× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

77%

Carpooled

Transit

0.5%

Walked

0.9%

Bicycle

0.4%

Worked from home

15%

Other

0.8%

Commute time (one way)

<10 min

22%

10–19

32%

20–29

24%

30–44

12%

45–59

60+

Average commute

21.1 min

U.S. 26.4 min

Unemployment

3.6%

U.S. 5.2%

In labor force

54.8%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

18%

Construction and repair

12%

Sales

11%

Healthcare

Office and admin

Cleaning and personal care

Transportation and moving

Production

Food service

Arts, media and sports

Business and finance

Education

Engineering and science

Legal and social services

Computer and math

Police and fire

Farming, fishing and forestry

0.2%

Industries

Construction

15%

Manufacturing

12%

Health care and social assistance

11%

Retail

11%

Restaurants and hotels

Education

Admin, support and management

Professional and technical services

Finance, insurance and real estate

Arts and recreation

Other services

Public administration

Transportation, warehousing and utilities

Wholesale

Agriculture and mining

Information

Median earnings per worker

$46,628

U.S. $49,666

Self-employed

25.3%

U.S. 10%

Government workers

8.7%

U.S. 14.5%

Nonprofit workers

8.3%

U.S. 8.8%

Median earnings by type of work

Type of work	49740	U.S.
Management, business, science and arts	$67,552	$74,888
Service	$28,021	$26,804
Sales and office	$45,833	$40,476
Construction and maintenance	$45,057	$49,199
Production and transportation	$16,350	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

19%

Some college

21%

Associate's

10%

Bachelor's

27%

Graduate

20%

High school graduate or higher: 97%
Bachelor's degree or higher: 47.5%
Graduate or professional degree: 20.2%
Households with broadband: 91.5%
Cable, fiber or DSL: 75%
No internet access: 4.5%
Without health insurance: 7.1%
Limited-English households: 0.1%

Geography

City (USPS): Harbor Springs
State: Michigan
County: Emmet County
Center point: 45.5219° N, 84.9908° W
Land area: 125 sq mi
Water area: 17 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Harbor Springs1% of zip

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

Zip codes near 49740

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
49769	Pellston, MI	7.1 mi	1,718	$67,558	$160,000
49737	Good Hart, MI · PO box	7.2 mi	—	—	—
49723	Cross Village, MI · PO box	7.6 mi	—	—	—
49722	Conway, MI	9.3 mi	73	$87,721	$488,200
49764	Oden, MI	10 mi	46	—	—
49755	Levering, MI	12 mi	1,799	$65,789	$188,900
49716	Brutus, MI	12 mi	1,006	$100,179	$307,100
49706	Alanson, MI	12 mi	4,920	$76,906	$248,500
49711	Bay Shore, MI · PO box	12 mi	—	—	—
49770	Petoskey, MI	14 mi	18,221	$79,590	$355,200
49718	Carp Lake, MI	15 mi	619	$48,750	$193,500
49717	Burt Lake, MI	16 mi	43	—	—

Zip codes like 49740 elsewhere

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

Questions about 49740

What city is zip code 49740?

49740 is assigned to Harbor Springs, Michigan. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 49740 in?

49740 is in Emmet County, Michigan.

What is the population of 49740?

About 7,197 people live in 49740, according to the Census Bureau's American Community Survey.

What time zone is 49740 in?

49740 is in Eastern Time.

What is the median household income in 49740?

The median household income in 49740 is $89,250.

What zip codes are near 49740?

The closest zip codes to 49740 are 49769, 49737, 49723, 49722, 49764.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 49740, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.