Residential delivery area · Michigan
ZIP Code 49431: Ludington, MI
ZIP code 49431 uses the postal name Ludington, Michigan and lies entirely in Mason County (Census 2020 ZIP-county file). About 17,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $66,336 (Census Bureau, ACS 2020-2024). By Census place, 4% of its land lies in Ludington; 97% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Ludington · its only residential ZIP
- County
- Mason County
- Census places
- Ludington
- Micro area
- Ludington, MI
- House district
- MI-2 119th Congress
- State
- Michigan
- Time zone
- Eastern
- Land area
- 96.1 sq mi · 179 people per sq mi
Where is ZIP code 49431?
49431 centers on 43.965°, -86.409° and covers 96.1 square miles of land plus 15.5 of water. It borders 3 ZIP codes: 49454, 49449, 49411.
The map draws ZIP code areas only. For the streets inside 49431, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 49431 compare with the rest of Mason County?
| Measure | 49431 | In Mason County | In MI |
|---|---|---|---|
| People (ACS 2020-2024) | 17,184 | 1st of 10 | 232nd of 992 |
| Median household income | $66k | 3rd of 9 | 454th of 774 |
| Median home value | $238k | 3rd of 9 | 281st of 779 |
Its median household income is higher than in 41% of U.S. residential ZIP codes, and it is denser than 61% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 49431?
The 2020 Census counted 17,044 people in 49431; the ACS, which samples households over 2020-2024, estimates 17,184. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 17,184
- 2020 Census count
- 17,044
- Households
- 7,765
- Median age
- 48.6
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 49431?
Of the 17,184 people the ACS estimates in 49431, 18.5% are under 18 and 28.6% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (89.7%).
- Under 1818.5%
- 18 to 6452.9%
- 65 and older28.6%
- White, not Hispanic89.7%
- Hispanic or Latino4.4%
- Other or two or more4.0%
- Black, not Hispanic1.2%
- Asian, not Hispanic0.6%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 49431 earn?
Median household income is $66,336 (ACS 2020-2024), the 3rd highest of the 9 ranked ZIP codes in Mason County.
- Median household income
- $66,336
- Income per person
- $40,407
- Below the poverty line
- 14.0%
- Unemployed (of the labor force)
- 3.6%
- Adults 25+ with a bachelor's degree
- 31.3%
- Adjusted gross income per tax return, 2022
- $66,3178,820 returns; wages 58% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 49431?
FHFA's house price index for 49431, built from repeat sales and appraisals of the same homes, rose 117% from 2015 to 2025 and rose 67% from 2020 to 2025, and moved +1.3% in 2025.
- Median home value (owners' estimate)
- $237,700
- Median gross rent
- $914
- Homes owned by their occupants
- 72.3%
- Housing units
- 10,051
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 49431?
579 business establishments had a location in this ZIP code in 2023, 33 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade90
- Accommodation and food services79
- Health care and social assistance64
- Other services (except public administration)63
- Construction57
- Professional, scientific, and technical services40
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 49431?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 49454 | Scottville | 4,873 | $61k | 6.3 mi |
| 49449 | Pentwater | 2,587 | $81k | 11.9 mi |
| 49411 | Free Soil | 1,698 | $62k | 12.8 mi |
| 49405 | Custer | 1,635 | $70k | 11.6 mi (near) |
| 49410 | Fountain | 1,734 | $62k | 13.7 mi (near) |
| 49458 | Walhalla | 169 | $113k | 14.7 mi (near) |
| 49420 | Hart | 6,202 | $59k | 18.0 mi (near) |
| 49634 | Filer City | 178 | $47k | 18.3 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.