Charlevoix, MI · standard
ZIP Code 49720
Charlevoix County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 9,172
- 37/sq mi Moderate-density area
- $77,603
- Median income Near-median income area
- $297,500
- Median home value Above-median home value
- 41.4%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Charlevoix pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.
- Top 41%
- household income, US ZIPs
- Top 34%
- home value, US ZIPs
- 37
- people per sq mi
- 82%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49720 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 49720 (Charlevoix, MI) rose +14.2% from 2023 to 2024. The all-transactions index moved from 207.0 in 2023 to 236.4 in 2024 (2000 = 100).
ZIP code 49720 is a mid-sized community (a standard USPS delivery area) in Charlevoix, Charlevoix County, Michigan, home to 9,172 residents across 247.9 square miles, a density of 37 people per square mile, in the Detroit time zone.
ZIP 49720 lands in the middle-income range, with a median household income of $77,603 (6% above the average Michigan ZIP), while per-capita income is $55,084. The poverty rate is 10.2%, with unemployment at 3.2%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $297,500 (35% above the average Michigan ZIP), while 81.9% of occupied homes are owner-occupied and median rent is $1,010.
A solid share of residents have a four-year degree: 41.4% of adults hold a bachelor's degree or higher, the median age is 52.6, and the average commute is 18 minutes. The page also surfaces 2 ZIP codes within roughly 10 miles and 5 more in Charlevoix County, so 49720 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 49720
Top 5 sectors by establishment count in Charlevoix, MI
Which industries have the most business establishments in ZIP 49720.
- Retail trade
Retail trade
71 establishments
- Construction
Construction
51 establishments
- Accommodation and food services
Accommodation and food services
48 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
41 establishments
- Other services (except public administration)
Other services (except public administration)
34 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 49720, Charlevoix, 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
9,172
Population
247.9
Area (sq mi)
37
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 49720?
52.6
Median Age
50.4%
Male
49.6%
Female
2.4%
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?
$77,603
Median Household Income
+6% vs state ZIP avg
$55,084
Per Capita Income
10.2%
Poverty Rate
3.2%
Unemployment Rate
18.0 min
Mean Commute Time
How ZIP 49720 ranks among Michigan ZIPs
Charlevoix, MI household income vs. every Michigan ZIP code
Median household income among 962 reporting Michigan ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$77,603 Top 34% higher than 66% of 962 Michigan ZIPs
Each bar is a $20K-wide band; taller bars hold more Michigan 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
6,215housing units
6,215
Total Housing Units
4,416
Occupied Units
1,799
Vacant Units
2.01
Avg Household Size
Occupancy Type
$297,500
Median Home Value
+35% vs state ZIP avg
$1,010
Median Rent
1980
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
+14.2%
YoY Change (2024)
236
HPI Index (2000 = 100)
+136%
Total Change Since 2000
Home values in ZIP 49720 have increased 14.2% over the past year (2024). Since 2000, this ZIP has seen +136% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.1% | 138 |
| 2021 | +16.7% | 161 |
| 2022 | +17.8% | 190 |
| 2023 | +9.2% | 207 |
| 2024 | +14.2% | 236 |
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 378 business establishments in ZIP 49720, employing approximately 3,415 people with a combined annual payroll of $202,076,000.
378
Businesses
3,415
Employees
$202.1M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 71 | 18.8% |
| Construction | 51 | 13.5% |
| Accommodation and food services | 48 | 12.7% |
| Professional, scientific, and technical services | 41 | 10.8% |
| Other services (except public administration) | 34 | 9.0% |
| Health care and social assistance | 27 | 7.1% |
| Administrative and support and waste management and remediation services | 23 | 6.1% |
| Manufacturing | 20 | 5.3% |
| Finance and insurance | 17 | 4.5% |
| Arts, entertainment, and recreation | 15 | 4.0% |
| Real estate and rental and leasing | 14 | 3.7% |
| Wholesale trade | 6 | 1.6% |
| Transportation and warehousing | 4 | 1.1% |
| Information | 4 | 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 49720 vs 49729 →
ZIP 49720 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49720
Charlevoix (49720)
9,172 residents
- 49727
East Jordan (49727)
7,145 residents
- 49729 1,446
Ellsworth (49729)
1,446 residents
What this shows Among its immediate neighbors, ZIP 49720 ranks the most populous - useful context the national average alone can't give.
ZIP 49720 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49729
Ellsworth (49729)
$77,870 median income
- 49720
Charlevoix (49720)
$77,603 median income
- 49727
East Jordan (49727)
$70,865 median income
What this shows By household income, ZIP 49720 ranks #2 of 3 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 49720, 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 (9,172 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Charlevoix County
Related Areas
Frequently Asked Questions
What county is ZIP code 49720 in?
ZIP code 49720 (Charlevoix) 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 49720?
ZIP code 49720 in Charlevoix, MI has a population of 9,172 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49720?
The median household income in ZIP 49720 is $77,603, which is 2% above the national average of $76,288.
What is the average home value in ZIP 49720?
The median home value in ZIP 49720 is $297,500, which is 7% above the national average of $278,155.
What is the demographic makeup of ZIP 49720?
The largest racial group in ZIP 49720 is White at 92.3%. Hispanic or Latino residents make up 2.5% of the population.
How many businesses are in ZIP code 49720?
ZIP code 49720 has 378 business establishments employing approximately 3,415 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 49720?
The top industries by establishment count in ZIP 49720 are: Retail trade (71), Construction (51), Accommodation and food services (48). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 49720?
According to the FHFA House Price Index, home values in ZIP 49720 increased by 14.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 136%. 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 49720?
In ZIP code 49720, 64.6% of residents aged 25+ have a high school diploma or higher, and 41.4% 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 49720?
The mean commute time for workers in ZIP code 49720 is 18.0 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 49720?
In ZIP code 49720, approximately 81.9% of occupied housing units are owner-occupied and 18.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 49720?
The poverty rate in ZIP code 49720 is 10.2% 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 49720's numbers, next.
- See how ZIP 49720 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Charlevoix, 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.