Harbor Springs, MI · standard
ZIP Code 49740
Emmet County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 7,042
- 22/sq mi Moderate-density area
- $89,250
- Median income Above-median income area
- $363,500
- Median home value Above-median home value
- 47.5%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Harbor Springs pairs an above-median household income with upper-quartile home values, in a rural, homeowner-dominated area.
- Top 28%
- household income, US ZIPs
- Top 25%
- home value, US ZIPs
- 22
- people per sq mi
- 88%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49740 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 49740 (Harbor Springs, MI) rose +3.7% from 2023 to 2024. The all-transactions index moved from 236.0 in 2023 to 244.6 in 2024 (2000 = 100).
ZIP code 49740 is a mid-sized community (a standard USPS delivery area) in Harbor Springs, Emmet County, Michigan, home to 7,042 residents across 320.1 square miles, a density of 22 people per square mile, in the Detroit time zone.
ZIP 49740 lands in the middle-income range, with a median household income of $89,250 (22% above the average Michigan ZIP), while per-capita income is $59,642. Both reported hardship measures are comparatively low in absolute terms: poverty is 6.7% and unemployment is 3.6%. Housing is both higher-cost and owner-heavy: median home value is $363,500 (66% above the average Michigan ZIP), while 87.7% of occupied homes are owner-occupied and median rent is $991.
A solid share of residents have a four-year degree: 47.5% of adults hold a bachelor's degree or higher, the median age is 56.2, and the average commute is 21 minutes. The page also surfaces 2 ZIP codes within roughly 10 miles and 6 more in Emmet County, so 49740 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 49740
Top 5 sectors by establishment count in Harbor Springs, MI
Which industries have the most business establishments in ZIP 49740.
- Construction
Construction
82 establishments
- Retail trade
Retail trade
45 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
33 establishments
- Other services (except public administration)
Other services (except public administration)
33 establishments
- Accommodation and food services 32
Accommodation and food services
32 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 49740, Harbor Springs, 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
7,042
Population
320.1
Area (sq mi)
22
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 49740?
56.2
Median Age
53.0%
Male
47.0%
Female
1.8%
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?
$89,250
Median Household Income
+22% vs state ZIP avg
$59,642
Per Capita Income
6.7%
Poverty Rate
3.6%
Unemployment Rate
21.1 min
Mean Commute Time
How ZIP 49740 ranks among Michigan ZIPs
Harbor Springs, 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)
$89,250 Top 19% higher than 81% 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
6,052housing units
6,052
Total Housing Units
3,321
Occupied Units
2,731
Vacant Units
2.14
Avg Household Size
Occupancy Type
$363,500
Median Home Value
+66% vs state ZIP avg
$991
Median Rent
1984
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
+3.7%
YoY Change (2024)
245
HPI Index (2000 = 100)
+145%
Total Change Since 2000
Home values in ZIP 49740 have increased 3.7% over the past year (2024). Since 2000, this ZIP has seen +145% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +1.6% | 139 |
| 2021 | +15.4% | 160 |
| 2022 | +18.4% | 190 |
| 2023 | +24.4% | 236 |
| 2024 | +3.7% | 245 |
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 376 business establishments in ZIP 49740, employing approximately 3,563 people with a combined annual payroll of $190,981,000.
376
Businesses
3,563
Employees
$191.0M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 82 | 21.8% |
| Retail trade | 45 | 12.0% |
| Administrative and support and waste management and remediation services | 33 | 8.8% |
| Other services (except public administration) | 33 | 8.8% |
| Accommodation and food services | 32 | 8.5% |
| Professional, scientific, and technical services | 31 | 8.2% |
| Health care and social assistance | 23 | 6.1% |
| Real estate and rental and leasing | 19 | 5.0% |
| Arts, entertainment, and recreation | 18 | 4.8% |
| Manufacturing | 17 | 4.5% |
| Finance and insurance | 12 | 3.2% |
| Wholesale trade | 10 | 2.7% |
| Educational services | 6 | 1.6% |
| Agriculture, forestry, fishing and hunting | 4 | 1.1% |
| Information | 4 | 1.1% |
| Transportation and warehousing | 3 | 0.8% |
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 49740 vs 49769 →
ZIP 49740 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49740
Harbor Springs (49740)
7,042 residents
- 49769 1,644
Pellston (49769)
1,644 residents
- 49722 220
Conway (49722)
220 residents
What this shows Among its immediate neighbors, ZIP 49740 ranks the most populous - useful context the national average alone can't give.
ZIP 49740 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49740
Harbor Springs (49740)
$89,250 median income
- 49722
Conway (49722)
$87,721 median income
- 49769
Pellston (49769)
$67,558 median income
What this shows By household income, ZIP 49740 ranks the highest 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 49740, 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 (7,042 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Emmet County
Related Areas
Frequently Asked Questions
What county is ZIP code 49740 in?
ZIP code 49740 (Harbor Springs) is located in Emmet County, Michigan. Emmet County contains multiple ZIP codes, see the full list at /counties/emmet-mi.
What is the population of ZIP code 49740?
ZIP code 49740 in Harbor Springs, MI has a population of 7,042 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49740?
The median household income in ZIP 49740 is $89,250, which is 17% above the national average of $76,288.
What is the average home value in ZIP 49740?
The median home value in ZIP 49740 is $363,500, which is 31% above the national average of $278,155.
What is the demographic makeup of ZIP 49740?
The largest racial group in ZIP 49740 is White at 89.7%. Hispanic or Latino residents make up 3.3% of the population.
How many businesses are in ZIP code 49740?
ZIP code 49740 has 376 business establishments employing approximately 3,563 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 49740?
The top industries by establishment count in ZIP 49740 are: Construction (82), Retail trade (45), Administrative and support and waste management and remediation services (33). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 49740?
According to the FHFA House Price Index, home values in ZIP 49740 increased by 3.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 145%. 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 49740?
In ZIP code 49740, 66.7% of residents aged 25+ have a high school diploma or higher, and 47.5% 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 49740?
The mean commute time for workers in ZIP code 49740 is 21.1 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 49740?
In ZIP code 49740, approximately 87.7% of occupied housing units are owner-occupied and 12.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 49740?
The poverty rate in ZIP code 49740 is 6.7% 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 49740's numbers, next.
- See how ZIP 49740 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Harbor Springs, 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.