PlainZIP

Boyne City, MI · standard

ZIP Code 49712

Charlevoix County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

7,890
43/sq mi
$74,033
Median income
$294,800
Median home value
34.0%
Bachelor's or higher

The verdict

Boyne City pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.

Top 47%
household income, US ZIPs
Top 34%
home value, US ZIPs
43
people per sq mi
81%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49712 against every reporting US ZIP.

ZIP code 49712 is a mid-sized community (a standard USPS delivery area) in Boyne City, Charlevoix County, Michigan, home to 7,890 residents across 185.6 square miles, a density of 43 people per square mile, in the Detroit time zone.

ZIP 49712 lands in the middle-income range, with a median household income of $74,033 (1% above the Michigan average), while per-capita income is $46,413. 7.0% of residents live below the poverty line, and the unemployment rate reads 4.0%. Housing costs here run $294,800 for a typical home value (34% above the state average), with rent averaging $941 a month; 81.0% of homes are owner-occupied.

A solid share of residents have a four-year degree: 34.0% of adults hold a bachelor's degree or higher, the median age is 50.8, and the average commute is 19 minutes. To put 49712 in local context, 3 ZIP codes within roughly 10 miles appear further down this page alongside 5 additional ZIPs in Charlevoix County, for a geography-aware comparison.

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 49712

Top 5 sectors by establishment count in Boyne City, MI

Which industries have the most business establishments in ZIP 49712.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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 49712, Boyne 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

7,890

Population

185.6

Area (sq mi)

43

People / sq mi

Detroit

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 49712?

50.8

Median Age

48.1%

Male

51.9%

Female

1.3%

Foreign-Born

White 93.2%
African American 0.7%
Asian 0.7%
American Indian or Alaska Native 0.8%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.9%
Hispanic or Latino 2.0%

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?

$74,033

Median Household Income

+1% vs state

$46,413

Per Capita Income

7.0%

Poverty Rate

4.0%

Unemployment Rate

18.8 min

Mean Commute Time

How ZIP 49712 ranks nationally

Boyne City, MI household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$74,033 Top 47% higher than 53% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

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?

High School Graduate or Higher 60.3%
Bachelor's Degree or Higher 34.0%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

5,092

Total Housing Units

3,871

Occupied Units

1,221

Vacant Units

2.11

Avg Household Size

Occupancy Type

Owner 81.0%
Renter 19.0%

$294,800

Median Home Value

+34% vs state

$941

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

+3.7%

YoY Change (2024)

266

HPI Index (2000 = 100)

+166%

Total Change Since 2000

Home values in ZIP 49712 have increased 3.7% over the past year (2024). Since 2000, this ZIP has seen +166% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.0% 153
2021 +15.8% 177
2022 +29.9% 229
2023 +11.8% 256
2024 +3.7% 266

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 262 business establishments in ZIP 49712, employing approximately 2,998 people with a combined annual payroll of $157,324,000.

262

Businesses

2,998

Employees

$157.3M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Construction 42 16.0%
Retail trade 34 13.0%
Other services (except public administration) 31 11.8%
Health care and social assistance 30 11.4%
Accommodation and food services 23 8.8%
Professional, scientific, and technical services 22 8.4%
Manufacturing 18 6.9%
Administrative and support and waste management and remediation services 15 5.7%
Finance and insurance 13 5.0%
Real estate and rental and leasing 13 5.0%
Wholesale trade 6 2.3%
Utilities 3 1.1%
Transportation and warehousing 3 1.1%
Arts, entertainment, and recreation 3 1.1%

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 49712 vs 49796 →

ZIP 49712 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 49712 ranks #2 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 49712 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 49712 ranks #3 of 4 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
49796 Walloon Lake, MI 320 4.8 mi
49727 East Jordan, MI 7,145 7.1 mi
49770 Petoskey, MI 16,862 11.0 mi

More ZIP Codes in Charlevoix County

49720 standard
Charlevoix, MI
Pop: 9,172
49727 standard
East Jordan, MI
Pop: 7,145
49713 standard
Boyne Falls, MI
Pop: 1,864
49782 standard
Beaver Island, MI
Pop: 657
49796 standard
Walloon Lake, MI
Pop: 320

Related Areas

Charlevoix County Boyne City, MI Michigan

Frequently Asked Questions

What county is ZIP code 49712 in? ▼
ZIP code 49712 (Boyne City) is located in Charlevoix County, Michigan. Charlevoix County contains multiple ZIP codes, see the full list at /counties/charlevoix-mi.
What is the population of ZIP code 49712? ▼
ZIP code 49712 in Boyne City, MI has a population of 7,890 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49712? ▼
The median household income in ZIP 49712 is $74,033, which is 3% below the national average of $76,288.
What is the average home value in ZIP 49712? ▼
The median home value in ZIP 49712 is $294,800, which is 6% above the national average of $278,155.
What is the demographic makeup of ZIP 49712? ▼
The largest racial group in ZIP 49712 is White at 93.2%. Hispanic or Latino residents make up 2.0% of the population.
How many businesses are in ZIP code 49712? ▼
ZIP code 49712 has 262 business establishments employing approximately 2,998 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 49712? ▼
The top industries by establishment count in ZIP 49712 are: Construction (42), Retail trade (34), Other services (except public administration) (31). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 49712? ▼
According to the FHFA House Price Index, home values in ZIP 49712 increased by 3.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 166%. 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 49712? ▼
In ZIP code 49712, 60.3% of residents aged 25+ have a high school diploma or higher, and 34.0% 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 49712? ▼
The mean commute time for workers in ZIP code 49712 is 18.8 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 49712? ▼
In ZIP code 49712, approximately 81.0% of occupied housing units are owner-occupied and 19.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 49712? ▼
The poverty rate in ZIP code 49712 is 7.0% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.