Residential delivery area · Michigan
ZIP Code 49684: Traverse City, MI
ZIP code 49684 uses the postal name Traverse City, Michigan and lies mostly in Leelanau County (61% of its land), reaching into Grand Traverse County and Benzie County (Census 2020 ZIP-county file). About 22,000 people live there (Census Bureau, ACS 2020-2024), the 2nd most populous of Traverse City's 4 residential ZIP codes. Median household income is $80,788 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Greilickville (8%) and Traverse City (6%); 87% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Traverse City · 4 residential ZIPs
- County
- Leelanau County (61%); Grand Traverse County (33%); Benzie County (6%)
- Census places
- Greilickville (8%) census-designated place; Traverse City (6%)
- Metro area
- Traverse City, MI
- House district
- MI-1 119th Congress
- State
- Michigan
- Time zone
- Eastern
- Land area
- 52.8 sq mi · 409 people per sq mi
Where is ZIP code 49684?
49684 centers on 44.762°, -85.685° and covers 52.8 square miles of land plus 4.8 of water. It borders 7 ZIP codes: 49685, 49621, 49686, 49650, 49664, 49653, 49682.
The map draws ZIP code areas only. For the streets inside 49684, 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 49684 compare with the rest of Traverse City?
| Measure | 49684 | In Traverse City | In Leelanau County | In MI |
|---|---|---|---|---|
| People (ACS 2020-2024) | 21,585 | 2nd of 4 | 1st of 11 | 172nd of 992 |
| Median household income | $81k | 3rd of 4 | 7th of 8 | 250th of 774 |
| Median home value | $420k | 1st of 4 | 4th of 7 | 34th of 779 |
Its median household income is higher than in 63% of U.S. residential ZIP codes, and it is denser than 70% 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 49684?
The 2020 Census counted 22,025 people in 49684; the ACS, which samples households over 2020-2024, estimates 21,585. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 21,585
- 2020 Census count
- 22,025
- Households
- 9,429
- Median age
- 48.7
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 49684?
Of the 21,585 people the ACS estimates in 49684, 17.5% are under 18 and 27.8% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (90.1%).
- Under 1817.5%
- 18 to 6454.7%
- 65 and older27.8%
- White, not Hispanic90.1%
- Other or two or more5.0%
- Hispanic or Latino3.6%
- Asian, not Hispanic0.7%
- Black, not Hispanic0.6%
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 49684 earn?
Median household income is $80,788 (ACS 2020-2024), the 7th highest of the 8 ranked ZIP codes in Leelanau County.
- Median household income
- $80,788
- Income per person
- $53,800
- Below the poverty line
- 10.3%
- Unemployed (of the labor force)
- 3.4%
- Adults 25+ with a bachelor's degree
- 47.3%
- Adjusted gross income per tax return, 2022
- $98,68411,710 returns; wages 53% 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 49684?
FHFA's house price index for 49684, built from repeat sales and appraisals of the same homes, rose 119% from 2015 to 2025 and rose 65% from 2020 to 2025, and moved +1.7% in 2025.
- Median home value (owners' estimate)
- $420,200
- Median gross rent
- $1,306
- Homes owned by their occupants
- 69.3%
- Housing units
- 11,042
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 49684?
1,532 business establishments had a location in this ZIP code in 2023, 103 fewer than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade257
- Health care and social assistance204
- Professional, scientific, and technical services188
- Accommodation and food services145
- Construction136
- Other services (except public administration)121
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 49684?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 49685 | Traverse City | 21,308 | $85k | 4.4 mi |
| 49621 | Cedar | 3,483 | $95k | 7.8 mi |
| 49686 | Traverse City | 25,492 | $72k | 9.2 mi |
| 49650 | Lake Ann | 3,411 | $88k | 10.0 mi |
| 49664 | Maple City | 2,332 | $78k | 13.6 mi |
| 49653 | Lake Leelanau | 1,766 | $86k | 14.7 mi |
| 49682 | Suttons Bay | 4,699 | $98k | 15.7 mi |
| 49637 | Grawn | 3,646 | $75k | 8.8 mi (near) |
| 49643 | Interlochen | 6,963 | $81k | 11.0 mi (near) |
| 49696 | Traverse City | 10,477 | $95k | 11.5 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.