Residential delivery area · Michigan
ZIP Code 49712: Boyne City, MI
ZIP code 49712 uses the postal name Boyne City, Michigan and lies mostly in Charlevoix County (90% of its land) with the rest in Antrim County (Census 2020 ZIP-county file). About 8,200 people live there (Census Bureau, ACS 2020-2024). Median household income is $74,033 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Horton Bay (6%), Boyne City (6%) and Advance (4%); 85% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Boyne City · its only residential ZIP
- County
- Charlevoix County (90%); Antrim County (10%)
- Census places
- Horton Bay (6%) census-designated place; Boyne City (6%); Advance (4%) census-designated place
- House district
- MI-1 119th Congress
- State
- Michigan
- Time zone
- Eastern
- Land area
- 72.9 sq mi · 112 people per sq mi
Where is ZIP code 49712?
49712 centers on 45.211°, -85.011° and covers 72.9 square miles of land plus 10.5 of water. It borders 6 ZIP codes: 49796, 49727, 49713, 49770, 49720, 49730.
The map draws ZIP code areas only. For the streets inside 49712, 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 49712 compare with the rest of Charlevoix County?
| Measure | 49712 | In Charlevoix County | In MI |
|---|---|---|---|
| People (ACS 2020-2024) | 8,203 | 3rd of 10 | 372nd of 992 |
| Median household income | $74k | 6th of 8 | 334th of 774 |
| Median home value | $295k | 3rd of 8 | 167th of 779 |
Its median household income is higher than in 53% of U.S. residential ZIP codes, and it is denser than 56% 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 49712?
The 2020 Census counted 8,113 people in 49712; the ACS, which samples households over 2020-2024, estimates 8,203. Between the 2010 and 2020 censuses its population grew 2.8% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 8,203
- 2020 Census count
- 8,113+2.8% since 2010 (7,890)
- Households
- 3,871
- Median age
- 50.8
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 49712?
Of the 8,203 people the ACS estimates in 49712, 17.3% are under 18 and 26.9% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (92.2%).
- Under 1817.3%
- 18 to 6455.8%
- 65 and older26.9%
- White, not Hispanic92.2%
- Other or two or more4.4%
- Hispanic or Latino2.0%
- Asian, not Hispanic0.7%
- Black, not Hispanic0.7%
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 49712 earn?
Median household income is $74,033 (ACS 2020-2024), the 6th highest of the 8 ranked ZIP codes in Charlevoix County. It is not measurably different from 2015-2019 ($72,261 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $74,033
- Income per person
- $46,413
- Below the poverty line
- 7.0%
- Unemployed (of the labor force)
- 4.0%
- Adults 25+ with a bachelor's degree
- 34.0%
- Adjusted gross income per tax return, 2022
- $83,7014,310 returns; wages 51% 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 49712?
FHFA's house price index for 49712, built from repeat sales and appraisals of the same homes, rose 138% from 2015 to 2025 and rose 80% from 2020 to 2025, and moved +5.3% in 2025.
- Median home value (owners' estimate)
- $294,800
- Median gross rent
- $941
- Homes owned by their occupants
- 81.0%
- Housing units
- 5,092
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 49712?
262 business establishments had a location in this ZIP code in 2023, 19 more than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction42
- Retail trade34
- Other services (except public administration)31
- Health care and social assistance30
- Accommodation and food services23
- Professional, scientific, and technical services22
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 49712?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 49796 | Walloon Lake | 359 | $87k | 5.2 mi |
| 49727 | East Jordan | 6,755 | $71k | 7.0 mi |
| 49713 | Boyne Falls | 2,011 | $83k | 8.1 mi |
| 49770 | Petoskey | 18,221 | $80k | 10.0 mi |
| 49720 | Charlevoix | 9,017 | $78k | 12.4 mi |
| 49730 | Elmira | 2,170 | $80k | 13.5 mi |
| 49729 | Ellsworth | 1,470 | $78k | 14.1 mi (near) |
| 49622 | Central Lake | 2,634 | $70k | 15.6 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.