Rapid City, MI · standard
ZIP Code 49676
Kalkaska County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 3,407
- 31/sq mi Moderate-density area
- $75,781
- Median income Near-median income area
- $269,300
- Median home value Near-median home value
- 33.0%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Rapid City pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.
- Top 44%
- household income, US ZIPs
- Top 39%
- home value, US ZIPs
- 31
- people per sq mi
- 91%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49676 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 49676 (Rapid City, MI) fell -8.6% from 2023 to 2024. The all-transactions index moved from 292.2 in 2023 to 267.2 in 2024 (2000 = 100).
ZIP code 49676 covers 111.7 square miles in Rapid City, Kalkaska County, Michigan (a standard USPS delivery area), with a modest 3,407 residents on file, a density of 31 people per square mile, in the Detroit time zone.
ZIP 49676 lands in the middle-income range, with a median household income of $75,781 (3% above the average Michigan ZIP), while per-capita income is $43,208. The poverty rate is 8.3%, with unemployment at 4.5%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $269,300 (23% above the average Michigan ZIP), while 90.8% of occupied homes are owner-occupied and median rent is $965.
A solid share of residents have a four-year degree: 33.0% of adults hold a bachelor's degree or higher, the median age is 47.6, and the average commute is 31 minutes. The page also surfaces 4 ZIP codes within roughly 10 miles and 3 more in Kalkaska County, so 49676 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 49676
Top 5 sectors by establishment count in Rapid City, MI
Which industries have the most business establishments in ZIP 49676.
- Construction
Construction
17 establishments
- Retail trade
Retail trade
8 establishments
- Professional, scientific, and technical services 6
Professional, scientific, and technical services
6 establishments
- Other services (except public administration) 5
Other services (except public administration)
5 establishments
- Wholesale trade 4
Wholesale trade
4 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 49676, Rapid City, 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
3,407
Population
111.7
Area (sq mi)
31
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 49676?
47.6
Median Age
50.1%
Male
49.9%
Female
0.9%
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?
$75,781
Median Household Income
+3% vs state ZIP avg
$43,208
Per Capita Income
8.3%
Poverty Rate
4.5%
Unemployment Rate
30.9 min
Mean Commute Time
How ZIP 49676 ranks among Michigan ZIPs
Rapid City, 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)
$75,781 Top 36% higher than 64% 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
2,479housing units
2,479
Total Housing Units
1,579
Occupied Units
900
Vacant Units
2.28
Avg Household Size
Occupancy Type
$269,300
Median Home Value
+23% vs state ZIP avg
$965
Median Rent
1984
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
-8.6%
YoY Change (2024)
267
HPI Index (2000 = 100)
+167%
Total Change Since 2000
Home values in ZIP 49676 have decreased 8.6% over the past year (2024). Since 2000, this ZIP has seen +167% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.1% | 163 |
| 2021 | +15.3% | 188 |
| 2022 | +23.0% | 231 |
| 2023 | +26.5% | 292 |
| 2024 | -8.6% | 267 |
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 58 business establishments in ZIP 49676, employing approximately 263 people with a combined annual payroll of $12,630,000.
58
Businesses
263
Employees
$12.6M
Annual Payroll
8
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 17 | 29.3% |
| Retail trade | 8 | 13.8% |
| Professional, scientific, and technical services | 6 | 10.3% |
| Other services (except public administration) | 5 | 8.6% |
| Wholesale trade | 4 | 6.9% |
| Administrative and support and waste management and remediation services | 4 | 6.9% |
| Health care and social assistance | 4 | 6.9% |
| Accommodation and food services | 3 | 5.2% |
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 49676 vs 49612 →
ZIP 49676 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49690
Williamsburg (49690)
6,182 residents
- 49615
Bellaire (49615)
4,131 residents
- 49676
Rapid City (49676)
3,407 residents
- 49629 2,223
Elk Rapids (49629)
2,223 residents
- 49612 1,121
Alden (49612)
1,121 residents
What this shows Among its immediate neighbors, ZIP 49676 ranks #3 by population - useful context the national average alone can't give.
ZIP 49676 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49690
Williamsburg (49690)
$108,712 median income
- 49612
Alden (49612)
$85,156 median income
- 49615
Bellaire (49615)
$79,469 median income
- 49676
Rapid City (49676)
$75,781 median income
- 49629
Elk Rapids (49629)
$65,302 median income
What this shows By household income, ZIP 49676 ranks #4 of 5 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 49676, 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 (3,407 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Kalkaska County
Related Areas
Frequently Asked Questions
What county is ZIP code 49676 in?
ZIP code 49676 (Rapid City) is located in Kalkaska County, Michigan. Kalkaska County contains multiple ZIP codes, see the full list at /counties/kalkaska-mi.
What is the population of ZIP code 49676?
ZIP code 49676 in Rapid City, MI has a population of 3,407 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49676?
The median household income in ZIP 49676 is $75,781, which is 1% below the national average of $76,288.
What is the average home value in ZIP 49676?
The median home value in ZIP 49676 is $269,300, which is 3% below the national average of $278,155.
What is the demographic makeup of ZIP 49676?
The largest racial group in ZIP 49676 is White at 92.6%. Hispanic or Latino residents make up 1.4% of the population.
How many businesses are in ZIP code 49676?
ZIP code 49676 has 58 business establishments employing approximately 263 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 49676?
The top industries by establishment count in ZIP 49676 are: Construction (17), Retail trade (8), Professional, scientific, and technical services (6). There are 8 industry sectors represented in total.
How have home values changed in ZIP code 49676?
According to the FHFA House Price Index, home values in ZIP 49676 decreased by 8.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 167%. 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 49676?
In ZIP code 49676, 65.5% of residents aged 25+ have a high school diploma or higher, and 33.0% 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 49676?
The mean commute time for workers in ZIP code 49676 is 30.9 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 49676?
In ZIP code 49676, approximately 90.8% of occupied housing units are owner-occupied and 9.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 49676?
The poverty rate in ZIP code 49676 is 8.3% 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 49676's numbers, next.
- See how ZIP 49676 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Rapid City, 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.