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 High-density area
- $84,877
- Median income Above-median income area
- $232,200
- Median home value Near-median home value
- 29.9%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 49445 (Muskegon, MI) rose +9.7% from 2023 to 2024. The all-transactions index moved from 213.6 in 2023 to 234.3 in 2024 (2000 = 100).
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 average Michigan ZIP), while per-capita income is $40,651. The poverty rate is 7.9%, with unemployment at 4.7%; those measures add context to the income figure. Median home value is $232,200 (6% above the average Michigan ZIP) and median rent is $1,154; 89.8% of occupied 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. The page also surfaces 6 ZIP codes within roughly 10 miles and 6 more in Muskegon County, so 49445 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 49445
Top 5 sectors by establishment count in Muskegon, MI
Which industries have the most business establishments in ZIP 49445.
- Retail trade
Retail trade
52 establishments
- Health care and social assistance
Health care and social assistance
46 establishments
- Accommodation and food services
Accommodation and food services
42 establishments
- Other services (except public administration)
Other services (except public administration)
41 establishments
- Construction
Construction
37 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 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
Who lives in ZIP 49445?
42.2
Median Age
50.0%
Male
50.0%
Female
1.3%
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?
$84,877
Median Household Income
+16% vs state ZIP avg
$40,651
Per Capita Income
7.9%
Poverty Rate
4.7%
Unemployment Rate
21.6 min
Mean Commute Time
How ZIP 49445 ranks among Michigan ZIPs
Muskegon, 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)
$84,877 Top 24% higher than 76% 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
8,980housing units
8,980
Total Housing Units
8,225
Occupied Units
755
Vacant Units
2.58
Avg Household Size
Occupancy Type
$232,200
Median Home Value
+6% vs state ZIP avg
$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.
- 49442
Muskegon (49442)
41,214 residents
- 49441
Muskegon (49441)
36,308 residents
- 49444
Muskegon (49444)
29,456 residents
- 49445
Muskegon (49445)
20,784 residents
- 49457 10,565
Twin Lake (49457)
10,565 residents
- 49461 8,929
Whitehall (49461)
8,929 residents
- 49440 953
Muskegon (49440)
953 residents
What this shows Among its immediate neighbors, ZIP 49445 ranks #4 by population - useful context the national average alone can't give.
ZIP 49445 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49445
Muskegon (49445)
$84,877 median income
- 49461
Whitehall (49461)
$83,363 median income
- 49457
Twin Lake (49457)
$78,225 median income
- 49441
Muskegon (49441)
$67,427 median income
- 49444
Muskegon (49444)
$53,054 median income
- 49442
Muskegon (49442)
$48,563 median income
- 49440
Muskegon (49440)
$46,808 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 49445, 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 (20,784 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Muskegon County
Related Areas
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.
Related
Take this with you
What to do with ZIP 49445's numbers, next.
- See how ZIP 49445 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Muskegon, 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.