Traverse City, MI · standard
ZIP Code 49684
Grand Traverse County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 37,963
- 145/sq mi High-density area
- $80,788
- Median income Near-median income area
- $420,200
- Median home value Above-median home value
- 47.3%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Traverse City pairs an above-median household income with upper-quartile home values, in a rural, homeowner-dominated area.
- Top 37%
- household income, US ZIPs
- Top 19%
- home value, US ZIPs
- 145
- people per sq mi
- 69%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49684 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 49684 (Traverse City, MI) rose +6.5% from 2023 to 2024. The all-transactions index moved from 273.4 in 2023 to 291.2 in 2024 (2000 = 100).
ZIP code 49684 is a densely settled ZIP (a standard USPS delivery area) in Traverse City, Grand Traverse County, Michigan, with 37,963 residents across 261.1 square miles, a density of 145 people per square mile, in the Detroit time zone.
ZIP 49684 lands in the middle-income range, with a median household income of $80,788 (10% above the average Michigan ZIP), while per-capita income is $53,800. The poverty rate is 10.3%, with unemployment at 3.4%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $420,200 (91% above the average Michigan ZIP), while 69.3% of occupied homes are owner-occupied and median rent is $1,306.
A solid share of residents have a four-year degree: 47.3% of adults hold a bachelor's degree or higher, the median age is 48.7, and the average commute is 18 minutes. The page also surfaces 3 ZIP codes within roughly 10 miles and 6 more in Grand Traverse County, so 49684 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 49684
Top 5 sectors by establishment count in Traverse City, MI
Which industries have the most business establishments in ZIP 49684.
- Retail trade
Retail trade
257 establishments
- Health care and social assistance
Health care and social assistance
204 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
188 establishments
- Accommodation and food services
Accommodation and food services
145 establishments
- Construction
Construction
136 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 49684, Traverse 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
37,963
Population
261.1
Area (sq mi)
145
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 49684?
48.7
Median Age
48.7%
Male
51.3%
Female
1.7%
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?
$80,788
Median Household Income
+10% vs state ZIP avg
$53,800
Per Capita Income
10.3%
Poverty Rate
3.4%
Unemployment Rate
17.9 min
Mean Commute Time
How ZIP 49684 ranks nationally
Traverse City, MI household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$80,788 Top 37% higher than 63% of 30,318 US ZIPs
Each bar is a $20K-wide band; taller bars hold more US 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
11,042housing units
11,042
Total Housing Units
9,429
Occupied Units
1,613
Vacant Units
2.21
Avg Household Size
Occupancy Type
$420,200
Median Home Value
+91% vs state ZIP avg
$1,306
Median Rent
1982
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
+6.5%
YoY Change (2024)
291
HPI Index (2000 = 100)
+191%
Total Change Since 2000
Home values in ZIP 49684 have increased 6.5% over the past year (2024). Since 2000, this ZIP has seen +191% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.8% | 180 |
| 2021 | +13.8% | 205 |
| 2022 | +19.1% | 244 |
| 2023 | +12.3% | 273 |
| 2024 | +6.5% | 291 |
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 1,532 business establishments in ZIP 49684, employing approximately 25,190 people with a combined annual payroll of $1,607,938,000.
1,532
Businesses
25,190
Employees
$1.6B
Annual Payroll
18
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 257 | 16.8% |
| Health care and social assistance | 204 | 13.3% |
| Professional, scientific, and technical services | 188 | 12.3% |
| Accommodation and food services | 145 | 9.5% |
| Construction | 136 | 8.9% |
| Other services (except public administration) | 121 | 7.9% |
| Finance and insurance | 105 | 6.8% |
| Real estate and rental and leasing | 87 | 5.7% |
| Administrative and support and waste management and remediation services | 69 | 4.5% |
| Manufacturing | 44 | 2.9% |
| Information | 37 | 2.4% |
| Wholesale trade | 34 | 2.2% |
| Arts, entertainment, and recreation | 30 | 2.0% |
| Transportation and warehousing | 29 | 1.9% |
| Mining, quarrying, and oil and gas extraction | 13 | 0.8% |
| Educational services | 13 | 0.8% |
| Management of companies and enterprises | 11 | 0.7% |
| Utilities | 5 | 0.3% |
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 49684 vs 49637 →
ZIP 49684 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
- 49643 6,253
Interlochen (49643)
6,253 residents
- 49637 3,405
Grawn (49637)
3,405 residents
- 49621 3,096
Cedar (49621)
3,096 residents
What this shows Among its immediate neighbors, ZIP 49684 ranks the most populous - useful context the national average alone can't give.
ZIP 49684 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49621
Cedar (49621)
$95,446 median income
- 49643
Interlochen (49643)
$81,222 median income
- 49684
Traverse City (49684)
$80,788 median income
- 49637
Grawn (49637)
$75,000 median income
What this shows By household income, ZIP 49684 ranks #3 of 4 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 49684, 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 (37,963 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Grand Traverse County
Related Areas
Frequently Asked Questions
What county is ZIP code 49684 in?
ZIP code 49684 (Traverse City) is located in Grand Traverse County, Michigan. Grand Traverse County contains multiple ZIP codes, see the full list at /counties/grand-traverse-mi.
What is the population of ZIP code 49684?
ZIP code 49684 in Traverse City, MI has a population of 37,963 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49684?
The median household income in ZIP 49684 is $80,788, which is 6% above the national average of $76,288.
What is the average home value in ZIP 49684?
The median home value in ZIP 49684 is $420,200, which is 51% above the national average of $278,155.
What is the demographic makeup of ZIP 49684?
The largest racial group in ZIP 49684 is White at 91.2%. Hispanic or Latino residents make up 3.6% of the population.
How many businesses are in ZIP code 49684?
ZIP code 49684 has 1,532 business establishments employing approximately 25,190 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 49684?
The top industries by establishment count in ZIP 49684 are: Retail trade (257), Health care and social assistance (204), Professional, scientific, and technical services (188). There are 18 industry sectors represented in total.
How have home values changed in ZIP code 49684?
According to the FHFA House Price Index, home values in ZIP 49684 increased by 6.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 191%. 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 49684?
In ZIP code 49684, 65.3% of residents aged 25+ have a high school diploma or higher, and 47.3% 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 49684?
The mean commute time for workers in ZIP code 49684 is 17.9 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 49684?
In ZIP code 49684, approximately 69.3% of occupied housing units are owner-occupied and 30.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 49684?
The poverty rate in ZIP code 49684 is 10.3% 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 49684's numbers, next.
- See how ZIP 49684 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Traverse 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.