Indian River, MI · standard
ZIP Code 49749
Cheboygan County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 4,283
- 23/sq mi Moderate-density area
- $65,608
- Median income Near-median income area
- $244,300
- Median home value Near-median home value
- 37.1%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Indian River pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.
- 39th pct
- household income, US ZIPs
- Top 44%
- home value, US ZIPs
- 23
- people per sq mi
- 88%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49749 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 49749 (Indian River, MI) rose +4.7% from 2023 to 2024. The all-transactions index moved from 234.4 in 2023 to 245.4 in 2024 (2000 = 100).
ZIP code 49749 covers 187.9 square miles in Indian River, Cheboygan County, Michigan (a standard USPS delivery area), with a modest 4,283 residents on file, a density of 23 people per square mile, in the Detroit time zone.
ZIP 49749 reports a modest median household income of $65,608 (11% below the average Michigan ZIP), while per-capita income is $47,873. The poverty rate is 11.7%, with unemployment at 4.3%; those measures add context to the income figure. Median home value is $244,300 (11% above the average Michigan ZIP) and median rent is $950; 88.1% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 37.1% of adults hold a bachelor's degree or higher, the median age is 60.4, and the average commute is 30 minutes. The page also surfaces 3 ZIP codes within roughly 10 miles and 6 more in Cheboygan County, so 49749 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 49749
Top 5 sectors by establishment count in Indian River, MI
Which industries have the most business establishments in ZIP 49749.
- Retail trade
Retail trade
25 establishments
- Accommodation and food services
Accommodation and food services
23 establishments
- Other services (except public administration)
Other services (except public administration)
19 establishments
- Construction
Construction
17 establishments
- Health care and social assistance
Health care and social assistance
13 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 49749, Indian River, 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
4,283
Population
187.9
Area (sq mi)
23
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 49749?
60.4
Median Age
49.7%
Male
50.3%
Female
2.7%
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?
$65,608
Median Household Income
-11% vs state ZIP avg
$47,873
Per Capita Income
11.7%
Poverty Rate
4.3%
Unemployment Rate
29.5 min
Mean Commute Time
How ZIP 49749 ranks among Michigan ZIPs
Indian River, 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)
$65,608 43rd percentile higher than 43% 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
3,860housing units
3,860
Total Housing Units
2,140
Occupied Units
1,720
Vacant Units
2.06
Avg Household Size
Occupancy Type
$244,300
Median Home Value
+11% vs state ZIP avg
$950
Median Rent
1983
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
+4.7%
YoY Change (2024)
245
HPI Index (2000 = 100)
+145%
Total Change Since 2000
Home values in ZIP 49749 have increased 4.7% over the past year (2024). Since 2000, this ZIP has seen +145% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.6% | 138 |
| 2021 | +13.8% | 156 |
| 2022 | +22.9% | 192 |
| 2023 | +21.9% | 234 |
| 2024 | +4.7% | 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 149 business establishments in ZIP 49749, employing approximately 965 people with a combined annual payroll of $43,203,000.
149
Businesses
965
Employees
$43.2M
Annual Payroll
12
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 25 | 16.8% |
| Accommodation and food services | 23 | 15.4% |
| Other services (except public administration) | 19 | 12.8% |
| Construction | 17 | 11.4% |
| Health care and social assistance | 13 | 8.7% |
| Professional, scientific, and technical services | 12 | 8.1% |
| Administrative and support and waste management and remediation services | 10 | 6.7% |
| Real estate and rental and leasing | 8 | 5.4% |
| Finance and insurance | 6 | 4.0% |
| Manufacturing | 5 | 3.4% |
| Wholesale trade | 5 | 3.4% |
| Arts, entertainment, and recreation | 5 | 3.4% |
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 49749 vs 49791 →
ZIP 49749 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49749
Indian River (49749)
4,283 residents
- 49705 937
Afton (49705)
937 residents
- 49791 329
Topinabee (49791)
329 residents
- 49717 72
Burt Lake (49717)
72 residents
What this shows Among its immediate neighbors, ZIP 49749 ranks the most populous - useful context the national average alone can't give.
ZIP 49749 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49705
Afton (49705)
$77,500 median income
- 49749
Indian River (49749)
$65,608 median income
- 49791
Topinabee (49791)
$59,750 median income
What this shows By household income, ZIP 49749 ranks #2 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 49749, 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 (4,283 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 49749 in?
ZIP code 49749 (Indian River) 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 49749?
ZIP code 49749 in Indian River, MI has a population of 4,283 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49749?
The median household income in ZIP 49749 is $65,608, which is 14% below the national average of $76,288.
What is the average home value in ZIP 49749?
The median home value in ZIP 49749 is $244,300, which is 12% below the national average of $278,155.
What is the demographic makeup of ZIP 49749?
The largest racial group in ZIP 49749 is White at 90.8%. Hispanic or Latino residents make up 1.0% of the population.
How many businesses are in ZIP code 49749?
ZIP code 49749 has 149 business establishments employing approximately 965 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 49749?
The top industries by establishment count in ZIP 49749 are: Retail trade (25), Accommodation and food services (23), Other services (except public administration) (19). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 49749?
According to the FHFA House Price Index, home values in ZIP 49749 increased by 4.7% 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 49749?
In ZIP code 49749, 66.3% of residents aged 25+ have a high school diploma or higher, and 37.1% 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 49749?
The mean commute time for workers in ZIP code 49749 is 29.5 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 49749?
In ZIP code 49749, approximately 88.1% of occupied housing units are owner-occupied and 11.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 49749?
The poverty rate in ZIP code 49749 is 11.7% 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 49749's numbers, next.
- See how ZIP 49749 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Indian River, 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.