Residential delivery area · Michigan
ZIP Code 49740: Harbor Springs, MI
ZIP code 49740 uses the postal name Harbor Springs, Michigan and lies entirely in Emmet County (Census 2020 ZIP-county file). About 7,200 people live there (Census Bureau, ACS 2020-2024). Median household income is $89,250 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Harbor Springs (1%) and Cross Village (under 1%); 98% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Harbor Springs · its only residential ZIP
- County
- Emmet County
- Census places
- Harbor Springs (1%); Cross Village (under 1%) census-designated place
- Neighborhood
- Cross Village, Harbor Springs GeoNames
- Micro area
- Petoskey, MI
- House district
- MI-1 119th Congress
- State
- Michigan
- Time zone
- Eastern
- Land area
- 124.9 sq mi · 58 people per sq mi
Where is ZIP code 49740?
49740 centers on 45.522°, -84.991° and covers 124.9 square miles of land plus 17.4 of water. It borders 5 ZIP codes: 49769, 49722, 49755, 49706, 49770.
The map draws ZIP code areas only. For the streets inside 49740, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0); neighborhoods from the GeoNames gazetteer (CC BY 4.0), placed in this ZIP code by PlainZIP.
How does 49740 compare with the rest of Emmet County?
| Measure | 49740 | In Emmet County | In MI |
|---|---|---|---|
| People (ACS 2020-2024) | 7,197 | 2nd of 11 | 397th of 992 |
| Median household income | $89k | 1st of 6 | 163rd of 774 |
| Median home value | $364k | 1st of 7 | 82nd of 779 |
Its median household income is higher than in 73% of U.S. residential ZIP codes, and it is denser than 45% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 49740?
The 2020 Census counted 7,511 people in 49740; the ACS, which samples households over 2020-2024, estimates 7,197. Between the 2010 and 2020 censuses its population grew 6.7% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 7,197
- 2020 Census count
- 7,511+6.7% since 2010 (7,042)
- Households
- 3,321
- Median age
- 56.2
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 49740?
Of the 7,197 people the ACS estimates in 49740, 13.4% are under 18 and 33.6% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (88.6%).
- Under 1813.4%
- 18 to 6453.0%
- 65 and older33.6%
- White, not Hispanic88.6%
- Other or two or more7.3%
- Hispanic or Latino3.3%
- Asian, not Hispanic0.6%
- Black, not Hispanic0.2%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 49740 earn?
Median household income is $89,250 (ACS 2020-2024), the highest of the 6 ranked ZIP codes in Emmet County. It is not measurably different from 2015-2019 ($83,470 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $89,250
- Income per person
- $59,642
- Below the poverty line
- 6.7%
- Unemployed (of the labor force)
- 3.6%
- Adults 25+ with a bachelor's degree
- 47.5%
- Adjusted gross income per tax return, 2022
- $136,8014,220 returns; wages 35% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 49740?
FHFA's house price index for 49740, built from repeat sales and appraisals of the same homes, rose 132% from 2015 to 2025 and rose 80% from 2020 to 2025, and moved −3.3% in 2025.
- Median home value (owners' estimate)
- $363,500
- Median gross rent
- $991
- Homes owned by their occupants
- 87.7%
- Housing units
- 6,052
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 49740?
376 business establishments had a location in this ZIP code in 2023, 13 fewer than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction82
- Retail trade45
- Administrative and support and waste management and remediation services33
- Other services (except public administration)33
- Accommodation and food services32
- Professional, scientific, and technical services31
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 49740?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 49769 | Pellston | 1,718 | $68k | 7.1 mi |
| 49722 | Conway | 73 | $88k | 9.3 mi |
| 49755 | Levering | 1,799 | $66k | 11.5 mi |
| 49706 | Alanson | 4,920 | $77k | 11.8 mi |
| 49770 | Petoskey | 18,221 | $80k | 13.9 mi |
| 49764 | Oden | 46 | – | 10.4 mi (near) |
| 49716 | Brutus | 1,006 | $100k | 11.7 mi (near) |
| 49718 | Carp Lake | 619 | $49k | 15.2 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.