White Cloud, MI · standard
ZIP Code 49349
Newaygo County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 8,087
- 16/sq mi Moderate-density area
- $54,028
- Median income Below-median income area
- $156,900
- Median home value Below-median home value
- 11.2%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
White Cloud pairs one of the lowest household incomes in the country with below-median home values, in a rural, homeowner-dominated area.
- 20th pct
- household income, US ZIPs
- 28th pct
- home value, US ZIPs
- 16
- people per sq mi
- 86%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49349 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 49349 (White Cloud, MI) rose +22.2% from 2023 to 2024. The all-transactions index moved from 179.7 in 2023 to 219.5 in 2024 (2000 = 100).
ZIP code 49349 is a mid-sized community (a standard USPS delivery area) in White Cloud, Newaygo County, Michigan, home to 8,087 residents across 499.2 square miles, a density of 16 people per square mile, in the Detroit time zone.
ZIP 49349 reports a modest median household income of $54,028 (26% below the average Michigan ZIP), while per-capita income is $29,283. The poverty rate is 17.3%, with unemployment at 7.1%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $156,900 (29% below the average Michigan ZIP), and median rent is $874; owner occupancy is 86.1%.
Formal educational attainment runs low here: just 11.2% of adults hold a bachelor's degree or higher, the median age is 45.7, and the average commute is 34 minutes. The page also surfaces 2 ZIP codes within roughly 10 miles and 5 more in Newaygo County, so 49349 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 49349
Top 5 sectors by establishment count in White Cloud, MI
Which industries have the most business establishments in ZIP 49349.
- Retail trade
Retail trade
17 establishments
- Health care and social assistance
Health care and social assistance
15 establishments
- Other services (except public administration)
Other services (except public administration)
14 establishments
- Construction
Construction
9 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
7 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 49349, White Cloud, MI · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
8,087
Population
499.2
Area (sq mi)
16
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 49349?
45.7
Median Age
52.2%
Male
47.8%
Female
2.0%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$54,028
Median Household Income
-26% vs state ZIP avg
$29,283
Per Capita Income
17.3%
Poverty Rate
7.1%
Unemployment Rate
33.6 min
Mean Commute Time
How ZIP 49349 ranks among Michigan ZIPs
White Cloud, MI household income vs. every Michigan ZIP code
Median household income among 962 reporting Michigan ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$54,028 18th percentile higher than 18% of 962 Michigan ZIPs
Each bar is a $20K-wide band; taller bars hold more Michigan ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
4,178housing units
4,178
Total Housing Units
3,193
Occupied Units
985
Vacant Units
2.49
Avg Household Size
Occupancy Type
$156,900
Median Home Value
-29% vs state ZIP avg
$874
Median Rent
1979
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+22.2%
YoY Change (2024)
220
HPI Index (2000 = 100)
+120%
Total Change Since 2000
Home values in ZIP 49349 have increased 22.2% over the past year (2024). Since 2000, this ZIP has seen +120% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.5% | 137 |
| 2021 | +11.0% | 152 |
| 2022 | +16.6% | 177 |
| 2023 | +1.6% | 180 |
| 2024 | +22.2% | 220 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 92 business establishments in ZIP 49349, employing approximately 823 people with a combined annual payroll of $44,472,000.
92
Businesses
823
Employees
$44.5M
Annual Payroll
10
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 17 | 18.5% |
| Health care and social assistance | 15 | 16.3% |
| Other services (except public administration) | 14 | 15.2% |
| Construction | 9 | 9.8% |
| Administrative and support and waste management and remediation services | 7 | 7.6% |
| Wholesale trade | 6 | 6.5% |
| Accommodation and food services | 6 | 6.5% |
| Finance and insurance | 5 | 5.4% |
| Professional, scientific, and technical services | 5 | 5.4% |
| Manufacturing | 4 | 4.3% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 49349 vs 49312 →
ZIP 49349 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49337
Newaygo (49337)
12,088 residents
- 49349
White Cloud (49349)
8,087 residents
- 49312 274
Brohman (49312)
274 residents
What this shows Among its immediate neighbors, ZIP 49349 ranks #2 by population - useful context the national average alone can't give.
ZIP 49349 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49337
Newaygo (49337)
$67,526 median income
- 49349
White Cloud (49349)
$54,028 median income
- 49312
Brohman (49312)
$40,694 median income
What this shows By household income, ZIP 49349 ranks #2 of 3 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 49349, both outside MI so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (8,087 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Newaygo County
Related Areas
Frequently Asked Questions
What county is ZIP code 49349 in?
ZIP code 49349 (White Cloud) is located in Newaygo County, Michigan. Newaygo County contains multiple ZIP codes, see the full list at /counties/newaygo-mi.
What is the population of ZIP code 49349?
ZIP code 49349 in White Cloud, MI has a population of 8,087 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49349?
The median household income in ZIP 49349 is $54,028, which is 29% below the national average of $76,288.
What is the average home value in ZIP 49349?
The median home value in ZIP 49349 is $156,900, which is 44% below the national average of $278,155.
What is the demographic makeup of ZIP 49349?
The largest racial group in ZIP 49349 is White at 87.6%. Hispanic or Latino residents make up 5.0% of the population.
How many businesses are in ZIP code 49349?
ZIP code 49349 has 92 business establishments employing approximately 823 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 49349?
The top industries by establishment count in ZIP 49349 are: Retail trade (17), Health care and social assistance (15), Other services (except public administration) (14). There are 10 industry sectors represented in total.
How have home values changed in ZIP code 49349?
According to the FHFA House Price Index, home values in ZIP 49349 increased by 22.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 120%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 49349?
In ZIP code 49349, 53.3% of residents aged 25+ have a high school diploma or higher, and 11.2% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 49349?
The mean commute time for workers in ZIP code 49349 is 33.6 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 49349?
In ZIP code 49349, approximately 86.1% of occupied housing units are owner-occupied and 13.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 49349?
The poverty rate in ZIP code 49349 is 17.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 49349's numbers, next.
- See how ZIP 49349 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where White Cloud, MI ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.