PlainZIP

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
$89,250
Median income
$363,500
Median home value
47.5%
Bachelor's or higher

The verdict

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.

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 Michigan average), while per-capita income is $59,642. 6.7% of residents live below the poverty line, and the unemployment rate reads 3.6%. The typical home here is valued at $363,500 (66% above the state average); renters pay a median of $991 monthly, and 87.7% of units are owner-occupied.

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. We also surface 2 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Emmet County, so you can benchmark 49740 against its immediate geography rather than a national average alone.

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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 49740?

56.2

Median Age

53.0%

Male

47.0%

Female

1.8%

Foreign-Born

White 89.7%
African American 0.2%
Asian 0.6%
American Indian or Alaska Native 1.5%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 7.0%
Hispanic or Latino 3.3%

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

$59,642

Per Capita Income

6.7%

Poverty Rate

3.6%

Unemployment Rate

21.1 min

Mean Commute Time

How ZIP 49740 ranks nationally

Harbor Springs, MI household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$89,250 Top 28% higher than 72% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

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?

High School Graduate or Higher 66.7%
Bachelor's Degree or Higher 47.5%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

6,052

Total Housing Units

3,321

Occupied Units

2,731

Vacant Units

2.14

Avg Household Size

Occupancy Type

Owner 87.7%
Renter 12.3%

$363,500

Median Home Value

+66% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 49740 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 49740 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
49769 Pellston, MI 1,644 7.5 mi
49722 Conway, MI 220 9.6 mi

More ZIP Codes in Emmet County

49770 standard
Petoskey, MI
Pop: 16,862
49706 standard
Alanson, MI
Pop: 4,585
49755 standard
Levering, MI
Pop: 1,892
49769 standard
Pellston, MI
Pop: 1,644
49701 standard
Mackinaw City, MI
Pop: 1,036
49716 standard
Brutus, MI
Pop: 806

Related Areas

Emmet County Harbor Springs, MI Michigan

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.

Read our methodology to see how this data is sourced, computed, and verified.