Cedar, MI · standard
ZIP Code 49621
Leelanau County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 3,096
- 20/sq mi Moderate-density area
- $95,446
- Median income Above-median income area
- $396,600
- Median home value Above-median home value
- 42.6%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Cedar pairs an upper-quartile household income with upper-quartile home values, in a rural, homeowner-dominated area.
- Top 22%
- household income, US ZIPs
- Top 21%
- home value, US ZIPs
- 20
- people per sq mi
- 91%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49621 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 49621 (Cedar, MI) rose +3.2% from 2023 to 2024. The all-transactions index moved from 246.2 in 2023 to 254.1 in 2024 (2000 = 100).
ZIP code 49621 covers 151.8 square miles in Cedar, Leelanau County, Michigan (a standard USPS delivery area), with a modest 3,096 residents on file, a density of 20 people per square mile, in the Detroit time zone.
ZIP 49621 lands in the middle-income range, with a median household income of $95,446 (30% above the average Michigan ZIP), while per-capita income is $47,478. Both reported hardship measures are comparatively low in absolute terms: poverty is 6.5% and unemployment is 1.8%. Housing is both higher-cost and owner-heavy: median home value is $396,600 (81% above the average Michigan ZIP), while 91.2% of occupied homes are owner-occupied and median rent is $1,012.
A solid share of residents have a four-year degree: 42.6% of adults hold a bachelor's degree or higher, the median age is 50, and the average commute is 27 minutes. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in Leelanau County, so 49621 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 49621
Top 5 sectors by establishment count in Cedar, MI
Which industries have the most business establishments in ZIP 49621.
- Construction
Construction
24 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
10 establishments
- Other services (except public administration)
Other services (except public administration)
10 establishments
- Retail trade 7
Retail trade
7 establishments
- Administrative and support and waste management and remediation services 7
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 49621, Cedar, 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
3,096
Population
151.8
Area (sq mi)
20
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 49621?
50.0
Median Age
50.1%
Male
49.9%
Female
1.0%
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?
$95,446
Median Household Income
+30% vs state ZIP avg
$47,478
Per Capita Income
6.5%
Poverty Rate
1.8%
Unemployment Rate
27.3 min
Mean Commute Time
How ZIP 49621 ranks among Michigan ZIPs
Cedar, 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)
$95,446 Top 14% higher than 86% 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
2,003housing units
2,003
Total Housing Units
1,403
Occupied Units
600
Vacant Units
2.48
Avg Household Size
Occupancy Type
$396,600
Median Home Value
+81% vs state ZIP avg
$1,012
Median Rent
1987
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
+3.2%
YoY Change (2024)
254
HPI Index (2000 = 100)
+154%
Total Change Since 2000
Home values in ZIP 49621 have increased 3.2% over the past year (2024). Since 2000, this ZIP has seen +154% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.8% | 164 |
| 2021 | +11.2% | 182 |
| 2022 | +29.3% | 236 |
| 2023 | +4.5% | 246 |
| 2024 | +3.2% | 254 |
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 79 business establishments in ZIP 49621, employing approximately 301 people with a combined annual payroll of $12,443,000.
79
Businesses
301
Employees
$12.4M
Annual Payroll
8
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 24 | 30.4% |
| Professional, scientific, and technical services | 10 | 12.7% |
| Other services (except public administration) | 10 | 12.7% |
| Retail trade | 7 | 8.9% |
| Administrative and support and waste management and remediation services | 7 | 8.9% |
| Manufacturing | 6 | 7.6% |
| Real estate and rental and leasing | 3 | 3.8% |
| Accommodation and food services | 3 | 3.8% |
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 49621 vs 49664 →
ZIP 49621 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49684
Traverse City (49684)
37,963 residents
- 49682 4,253
Suttons Bay (49682)
4,253 residents
- 49650 3,144
Lake Ann (49650)
3,144 residents
- 49621 3,096
Cedar (49621)
3,096 residents
- 49664 2,067
Maple City (49664)
2,067 residents
- 49653 1,922
Lake Leelanau (49653)
1,922 residents
What this shows Among its immediate neighbors, ZIP 49621 ranks #4 by population - useful context the national average alone can't give.
ZIP 49621 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49682
Suttons Bay (49682)
$97,813 median income
- 49621
Cedar (49621)
$95,446 median income
- 49650
Lake Ann (49650)
$87,500 median income
- 49653
Lake Leelanau (49653)
$85,787 median income
- 49684
Traverse City (49684)
$80,788 median income
- 49664
Maple City (49664)
$77,500 median income
What this shows By household income, ZIP 49621 ranks #2 of 6 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 49621, 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 (3,096 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Leelanau County
Related Areas
Frequently Asked Questions
What county is ZIP code 49621 in?
ZIP code 49621 (Cedar) is located in Leelanau County, Michigan. Leelanau County contains multiple ZIP codes, see the full list at /counties/leelanau-mi.
What is the population of ZIP code 49621?
ZIP code 49621 in Cedar, MI has a population of 3,096 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49621?
The median household income in ZIP 49621 is $95,446, which is 25% above the national average of $76,288.
What is the average home value in ZIP 49621?
The median home value in ZIP 49621 is $396,600, which is 43% above the national average of $278,155.
What is the demographic makeup of ZIP 49621?
The largest racial group in ZIP 49621 is White at 95.5%. Hispanic or Latino residents make up 2.2% of the population.
How many businesses are in ZIP code 49621?
ZIP code 49621 has 79 business establishments employing approximately 301 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 49621?
The top industries by establishment count in ZIP 49621 are: Construction (24), Professional, scientific, and technical services (10), Other services (except public administration) (10). There are 8 industry sectors represented in total.
How have home values changed in ZIP code 49621?
According to the FHFA House Price Index, home values in ZIP 49621 increased by 3.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 154%. 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 49621?
In ZIP code 49621, 68.5% of residents aged 25+ have a high school diploma or higher, and 42.6% 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 49621?
The mean commute time for workers in ZIP code 49621 is 27.3 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 49621?
In ZIP code 49621, approximately 91.2% of occupied housing units are owner-occupied and 8.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 49621?
The poverty rate in ZIP code 49621 is 6.5% 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 49621's numbers, next.
- See how ZIP 49621 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Cedar, 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.