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
- $61,174
- Median income
- $172,200
- Median home value
- 22.2%
- Bachelor's or higher
The verdict
Cheboygan pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.
- 31th 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.
ZIP code 49721 is classified by USPS as a standard delivery area and covers roughly 668.3 square miles in Cheboygan, Cheboygan County, Michigan. The area is home to 14,436 residents, producing a population density of 22 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 49721 against Michigan and the nation.
On the economic side, the median household income for ZIP 49721 sits at $61,174 (17% below the Michigan average), while per-capita income is $35,437. The poverty rate stands at 10.8% and the unemployment rate at 6.0%. On housing, the median home value is $172,200 (22% below the state average) with median rent at $732 per month, and 83.4% of occupied units are owner-occupied, a direct signal of whether 49721 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 22.2% of adults hold a bachelor's degree or higher, the median age is 50.6, and the average commute is 21 minutes. We also surface 1 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Cheboygan County, so you can benchmark 49721 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 →
Top industries in ZIP 49721
Top 5 sectors by establishment count
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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
$35,437
Per Capita Income
10.8%
Poverty Rate
6.0%
Unemployment Rate
21.4 min
Mean Commute Time
How ZIP 49721 ranks nationally
Household income vs. every US ZIP code
Median household income — the full national distribution, with this ZIP marked
$61,174 31st percentile higher than 31% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
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
$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 |
More ZIP Codes in Cheboygan County
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Frequently Asked Questions
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How many businesses are in ZIP code 49721? ▼
What are the main industries in ZIP code 49721? ▼
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What percentage of residents own vs. rent in ZIP 49721? ▼
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ZIP Code Research Guides
Official Data Resources for Cheboygan, MI
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.