Cheboygan, MI · standard
ZIP Code 49721
Cheboygan County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 14,436
- 22/sq mi Moderate-density area
- $61,174
- Median income Below-median income area
- $172,200
- Median home value Near-median home value
- 22.2%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Cheboygan pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.
- 31st pct
- household income, US ZIPs
- 35th pct
- home value, US ZIPs
- 22
- people per sq mi
- 83%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49721 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 49721 (Cheboygan, MI) rose +16.8% from 2023 to 2024. The all-transactions index moved from 190.8 in 2023 to 222.7 in 2024 (2000 = 100).
ZIP code 49721 is a mid-sized community (a standard USPS delivery area) in Cheboygan, Cheboygan County, Michigan, home to 14,436 residents across 668.3 square miles, a density of 22 people per square mile, in the Detroit time zone.
ZIP 49721 reports a modest median household income of $61,174 (17% below the average Michigan ZIP), while per-capita income is $35,437. The poverty rate is 10.8%, with unemployment at 6.0%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $172,200 (22% below the average Michigan ZIP), and median rent is $732; owner occupancy is 83.4%.
Educational attainment sits below the national norm: 22.2% of adults hold a bachelor's degree or higher, the median age is 50.6, and the average commute is 21 minutes. The page also surfaces 1 ZIP codes within roughly 10 miles and 6 more in Cheboygan County, so 49721 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 49721
Top 5 sectors by establishment count in Cheboygan, MI
Which industries have the most business establishments in ZIP 49721.
- Retail trade
Retail trade
75 establishments
- Construction
Construction
62 establishments
- Health care and social assistance
Health care and social assistance
53 establishments
- Other services (except public administration)
Other services (except public administration)
53 establishments
- Accommodation and food services
Accommodation and food services
40 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 49721, Cheboygan, 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
14,436
Population
668.3
Area (sq mi)
22
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 49721?
50.6
Median Age
50.9%
Male
49.1%
Female
2.1%
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?
$61,174
Median Household Income
-17% vs state ZIP avg
$35,437
Per Capita Income
10.8%
Poverty Rate
6.0%
Unemployment Rate
21.4 min
Mean Commute Time
How ZIP 49721 ranks among Michigan ZIPs
Cheboygan, 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)
$61,174 31st percentile higher than 31% 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
8,528housing units
8,528
Total Housing Units
5,904
Occupied Units
2,624
Vacant Units
2.32
Avg Household Size
Occupancy Type
$172,200
Median Home Value
-22% vs state ZIP avg
$732
Median Rent
1977
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
+16.8%
YoY Change (2024)
223
HPI Index (2000 = 100)
+123%
Total Change Since 2000
Home values in ZIP 49721 have increased 16.8% over the past year (2024). Since 2000, this ZIP has seen +123% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.4% | 127 |
| 2021 | +14.0% | 145 |
| 2022 | +16.2% | 168 |
| 2023 | +13.3% | 191 |
| 2024 | +16.8% | 223 |
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 414 business establishments in ZIP 49721, employing approximately 2,965 people with a combined annual payroll of $131,361,000.
414
Businesses
2,965
Employees
$131.4M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 75 | 18.1% |
| Construction | 62 | 15.0% |
| Health care and social assistance | 53 | 12.8% |
| Other services (except public administration) | 53 | 12.8% |
| Accommodation and food services | 40 | 9.7% |
| Professional, scientific, and technical services | 26 | 6.3% |
| Finance and insurance | 22 | 5.3% |
| Administrative and support and waste management and remediation services | 20 | 4.8% |
| Manufacturing | 16 | 3.9% |
| Real estate and rental and leasing | 15 | 3.6% |
| Wholesale trade | 8 | 1.9% |
| Transportation and warehousing | 8 | 1.9% |
| Arts, entertainment, and recreation | 7 | 1.7% |
| Information | 6 | 1.4% |
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 49721 vs 49791 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 49791 | Topinabee, MI | 329 | 9.2 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 49721, 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 (14,436 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Cheboygan County
Related Areas
Frequently Asked Questions
What county is ZIP code 49721 in?
ZIP code 49721 (Cheboygan) is located in Cheboygan County, Michigan. Cheboygan County contains multiple ZIP codes, see the full list at /counties/cheboygan-mi.
What is the population of ZIP code 49721?
ZIP code 49721 in Cheboygan, MI has a population of 14,436 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49721?
The median household income in ZIP 49721 is $61,174, which is 20% below the national average of $76,288.
What is the average home value in ZIP 49721?
The median home value in ZIP 49721 is $172,200, which is 38% below the national average of $278,155.
What is the demographic makeup of ZIP 49721?
The largest racial group in ZIP 49721 is White at 90.1%. Hispanic or Latino residents make up 1.9% of the population.
How many businesses are in ZIP code 49721?
ZIP code 49721 has 414 business establishments employing approximately 2,965 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 49721?
The top industries by establishment count in ZIP 49721 are: Retail trade (75), Construction (62), Health care and social assistance (53). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 49721?
According to the FHFA House Price Index, home values in ZIP 49721 increased by 16.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 123%. 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 49721?
In ZIP code 49721, 58.0% of residents aged 25+ have a high school diploma or higher, and 22.2% 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 49721?
The mean commute time for workers in ZIP code 49721 is 21.4 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 49721?
In ZIP code 49721, approximately 83.4% of occupied housing units are owner-occupied and 16.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 49721?
The poverty rate in ZIP code 49721 is 10.8% 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 49721's numbers, next.
- See how ZIP 49721 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Cheboygan, 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.