Residential delivery area · Michigan
ZIP Code 49646: Kalkaska, MI
ZIP code 49646 uses the postal name Kalkaska, Michigan and lies entirely in Kalkaska County (Census 2020 ZIP-county file). About 8,900 people live there (Census Bureau, ACS 2020-2024). Median household income is $64,863 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Bear Lake (3%), Manistee Lake (2%) and Kalkaska (1%); 95% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Kalkaska · its only residential ZIP
- County
- Kalkaska County
- Census places
- Bear Lake (3%) census-designated place; Manistee Lake (2%) census-designated place; Kalkaska (1%)
- Metro area
- Traverse City, MI
- House district
- MI-1 119th Congress
- State
- Michigan
- Time zone
- Eastern
- Land area
- 219.3 sq mi · 40 people per sq mi
Where is ZIP code 49646?
49646 centers on 44.720°, -85.036° and covers 219.3 square miles of land plus 5.3 of water. It borders 8 ZIP codes: 49680, 49659, 49633, 49676, 49733, 49690, 49738, 49696.
The map draws ZIP code areas only. For the streets inside 49646, 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 49646 compare with the rest of Kalkaska County?
| Measure | 49646 | In Kalkaska County | In MI |
|---|---|---|---|
| People (ACS 2020-2024) | 8,852 | 2nd of 8 | 355th of 992 |
| Median household income | $65k | 6th of 8 | 488th of 774 |
| Median home value | $182k | 5th of 8 | 456th of 779 |
Its median household income is higher than in 38% of U.S. residential ZIP codes, and it is denser than 38% 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 49646?
The 2020 Census counted 8,582 people in 49646; the ACS, which samples households over 2020-2024, estimates 8,852. Between the 2010 and 2020 censuses its population grew 4.3% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 8,852
- 2020 Census count
- 8,582+4.3% since 2010 (8,229)
- Households
- 3,979
- Median age
- 46.1
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 49646?
Of the 8,852 people the ACS estimates in 49646, 17.8% are under 18 and 23.8% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (91.3%).
- Under 1817.8%
- 18 to 6458.5%
- 65 and older23.8%
- White, not Hispanic91.3%
- Other or two or more4.3%
- Hispanic or Latino3.1%
- Black, not Hispanic0.9%
- Asian, not Hispanic0.4%
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 49646 earn?
Median household income is $64,863 (ACS 2020-2024), the 6th highest of the 8 ranked ZIP codes in Kalkaska County. It rose from $56,390 in 2015-2019 (in 2024 dollars), a change larger than the surveys' margins of error.
- Median household income
- $64,863
- Income per person
- $33,275
- Below the poverty line
- 10.7%
- Unemployed (of the labor force)
- 3.8%
- Adults 25+ with a bachelor's degree
- 15.7%
- Adjusted gross income per tax return, 2022
- $56,3224,280 returns; wages 67% 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 49646?
FHFA's house price index for 49646, built from repeat sales and appraisals of the same homes, rose 179% from 2015 to 2025 and rose 95% from 2020 to 2025, and moved +22.9% in 2025.
- Median home value (owners' estimate)
- $182,200
- Median gross rent
- $690
- Homes owned by their occupants
- 84.4%
- Housing units
- 5,724
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 49646?
243 business establishments had a location in this ZIP code in 2023, 5 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade47
- Other services (except public administration)32
- Construction27
- Accommodation and food services25
- Health care and social assistance20
- Transportation and warehousing11
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 49646?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 49680 | South Boardman | 2,206 | $77k | 11.2 mi |
| 49659 | Mancelona | 7,140 | $62k | 12.8 mi |
| 49633 | Fife Lake | 3,410 | $74k | 13.1 mi |
| 49676 | Rapid City | 3,620 | $76k | 15.3 mi |
| 49733 | Frederic | 1,997 | $66k | 15.9 mi |
| 49690 | Williamsburg | 6,657 | $109k | 18.1 mi |
| 49738 | Grayling | 9,696 | $60k | 21.8 mi |
| 49696 | Traverse City | 10,477 | $95k | 22.4 mi |
| 49612 | Alden | 1,220 | $85k | 13.6 mi (near) |
| 49611 | Alba | 259 | $101k | 18.2 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.