ZIP Code 49712

ZIP code 49712 is classified by USPS as a standard delivery area and covers roughly 185.6 square miles in Boyne City, Charlevoix County, Michigan. The area is home to 7,890 residents, producing a population density of 43 people per square mile, and falls within the Detroit time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 49712 against Michigan and the nation.

On the economic side, the median household income for ZIP 49712 sits at $74,033 (1% above the Michigan average), while per-capita income is $46,413. The poverty rate stands at 7.0% and the unemployment rate at 4.0%. On housing, the median home value is $294,800 (34% above the state average) with median rent at $941 per month, and 81.0% of occupied units are owner-occupied, a direct signal of whether 49712 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 34.0% of adults hold a bachelor's degree or higher, the median age is 50.8, and the average commute is 19 minutes. We also surface 3 nearby ZIP codes within roughly 10 miles and 5 additional ZIPs sharing Charlevoix County, so you can benchmark 49712 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →