PlainZIP

Muskegon, MI · standard

ZIP Code 49445

Muskegon County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

20,784
131/sq mi
$84,877
Median income
$232,200
Median home value
29.9%
Bachelor's or higher

The verdict

Muskegon pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.

Top 32%
household income, US ZIPs
Top 47%
home value, US ZIPs
131
people per sq mi
90%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49445 against every reporting US ZIP.

ZIP code 49445 is a densely settled ZIP (a standard USPS delivery area) in Muskegon, Muskegon County, Michigan, with 20,784 residents across 158.5 square miles, a density of 131 people per square mile, in the Detroit time zone.

ZIP 49445 lands in the middle-income range, with a median household income of $84,877 (16% above the Michigan average), while per-capita income is $40,651. Poverty here runs at 7.9%, with unemployment measured at 4.7%. Housing costs here run $232,200 for a typical home value (6% above the state average), with rent averaging $1,154 a month; 89.8% of homes are owner-occupied.

Educational attainment sits below the national norm: 29.9% of adults hold a bachelor's degree or higher, the median age is 42.2, and the average commute is 22 minutes. To put 49445 in local context, 6 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Muskegon County, for a geography-aware comparison.

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 49445

Top 5 sectors by establishment count in Muskegon, MI

Which industries have the most business establishments in ZIP 49445.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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 49445, Muskegon, 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

20,784

Population

158.5

Area (sq mi)

131

People / sq mi

Detroit

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 49445?

42.2

Median Age

50.0%

Male

50.0%

Female

1.3%

Foreign-Born

White 86.4%
African American 2.1%
Asian 0.4%
American Indian or Alaska Native 0.6%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.3%
Hispanic or Latino 6.7%

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?

$84,877

Median Household Income

+16% vs state

$40,651

Per Capita Income

7.9%

Poverty Rate

4.7%

Unemployment Rate

21.6 min

Mean Commute Time

How ZIP 49445 ranks nationally

Muskegon, MI household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$84,877 Top 32% higher than 68% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 56.7%
Bachelor's Degree or Higher 29.9%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

8,980

Total Housing Units

8,225

Occupied Units

755

Vacant Units

2.58

Avg Household Size

Occupancy Type

Owner 89.8%
Renter 10.2%

$232,200

Median Home Value

+6% vs state

$1,154

Median Rent

1975

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

+9.7%

YoY Change (2024)

234

HPI Index (2000 = 100)

+134%

Total Change Since 2000

Home values in ZIP 49445 have increased 9.7% over the past year (2024). Since 2000, this ZIP has seen +134% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.8% 148
2021 +12.8% 167
2022 +17.6% 197
2023 +8.7% 214
2024 +9.7% 234

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 332 business establishments in ZIP 49445, employing approximately 3,462 people with a combined annual payroll of $145,691,000.

332

Businesses

3,462

Employees

$145.7M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Retail trade 52 15.7%
Health care and social assistance 46 13.9%
Accommodation and food services 42 12.7%
Other services (except public administration) 41 12.3%
Construction 37 11.1%
Administrative and support and waste management and remediation services 21 6.3%
Professional, scientific, and technical services 20 6.0%
Finance and insurance 19 5.7%
Manufacturing 13 3.9%
Wholesale trade 11 3.3%
Arts, entertainment, and recreation 10 3.0%
Transportation and warehousing 6 1.8%
Real estate and rental and leasing 5 1.5%
Information 4 1.2%

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 49445 vs 49440 →

ZIP 49445 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 49445 ranks #4 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 49445 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 49445 ranks the highest of 7 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
49440 Muskegon, MI 953 4.1 mi
49441 Muskegon, MI 36,308 7.7 mi
49461 Whitehall, MI 8,929 6.4 mi
49457 Twin Lake, MI 10,565 7.5 mi
49444 Muskegon, MI 29,456 9.0 mi
49442 Muskegon, MI 41,214 8.3 mi

More ZIP Codes in Muskegon County

49442 standard
Muskegon, MI
Pop: 41,214
49441 standard
Muskegon, MI
Pop: 36,308
49444 standard
Muskegon, MI
Pop: 29,456
49457 standard
Twin Lake, MI
Pop: 10,565
49461 standard
Whitehall, MI
Pop: 8,929
49437 standard
Montague, MI
Pop: 6,902

Related Areas

Muskegon County Muskegon, MI Michigan

Frequently Asked Questions

What county is ZIP code 49445 in? ▼
ZIP code 49445 (Muskegon) is located in Muskegon County, Michigan. Muskegon County contains multiple ZIP codes, see the full list at /counties/muskegon-mi.
What is the population of ZIP code 49445? ▼
ZIP code 49445 in Muskegon, MI has a population of 20,784 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49445? ▼
The median household income in ZIP 49445 is $84,877, which is 11% above the national average of $76,288.
What is the average home value in ZIP 49445? ▼
The median home value in ZIP 49445 is $232,200, which is 17% below the national average of $278,155.
What is the demographic makeup of ZIP 49445? ▼
The largest racial group in ZIP 49445 is White at 86.4%. Hispanic or Latino residents make up 6.7% of the population.
How many businesses are in ZIP code 49445? ▼
ZIP code 49445 has 332 business establishments employing approximately 3,462 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 49445? ▼
The top industries by establishment count in ZIP 49445 are: Retail trade (52), Health care and social assistance (46), Accommodation and food services (42). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 49445? ▼
According to the FHFA House Price Index, home values in ZIP 49445 increased by 9.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 134%. 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 49445? ▼
In ZIP code 49445, 56.7% of residents aged 25+ have a high school diploma or higher, and 29.9% 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 49445? ▼
The mean commute time for workers in ZIP code 49445 is 21.6 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 49445? ▼
In ZIP code 49445, approximately 89.8% of occupied housing units are owner-occupied and 10.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 49445? ▼
The poverty rate in ZIP code 49445 is 7.9% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.