Indian River, MI · standard

ZIP Code 49749

Cheboygan County, Michigan — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

Reviewed by PlainZIP Editorial Team, ZIP Code Data Editors · June 14, 2026

4,283
23/sq mi: $65,608
Median income: $244,300
Median home value: 37.1%
Bachelor's or higher

The verdict

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.

ZIP code 49749 is classified by USPS as a standard delivery area and covers roughly 187.9 square miles in Indian River, Cheboygan County, Michigan. The area is home to 4,283 residents, producing a population density of 23 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 49749 against Michigan and the nation.

On the economic side, the median household income for ZIP 49749 sits at $65,608 (11% below the Michigan average), while per-capita income is $47,873. The poverty rate stands at 11.7% and the unemployment rate at 4.3%. On housing, the median home value is $244,300 (11% above the state average) with median rent at $950 per month, and 88.1% of occupied units are owner-occupied, a direct signal of whether 49749 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 37.1% of adults hold a bachelor's degree or higher, the median age is 60.4, and the average commute is 30 minutes. We also surface 3 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Cheboygan County, so you can benchmark 49749 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 49749

Retail trade

25
Accommodation and food services

23
Other services (except public administration)

19
Construction

17
Health care and social assistance

13

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 49749, Indian River, MI · 2023 Accessed 2026-06-14 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

4,283

Population

187.9

Area (sq mi)

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 49749?

60.4

Median Age

49.7%

Male

50.3%

Female

2.7%

Foreign-Born

White 90.8%

African American 0.0%

Asian 0.2%

American Indian or Alaska Native 1.7%

Native Hawaiian or Pacific Islander 0.0%

Two or More Ethnicities 7.1%

Hispanic or Latino 1.0%

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

$47,873

Per Capita Income

11.7%

Poverty Rate

4.3%

Unemployment Rate

29.5 min

Mean Commute Time

How ZIP 49749 ranks nationally

Household income vs. every US ZIP code

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

$65,608 39th percentile higher than 39% 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?

High School Graduate or Higher 66.3%

Bachelor's Degree or Higher 37.1%

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

What does housing look like?

3,860

Total Housing Units

2,140

Occupied Units

1,720

Vacant Units

2.06

Avg Household Size

Occupancy Type

Owner 88.1%

Renter 11.9%

$244,300

Median Home Value

+11% vs state

$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

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 →

49749

4,283
49705

937
49791

329
49717

72

What this shows Among its immediate neighbors, ZIP 49749 ranks the most populous — useful context the national average alone can't give.

49705

$77,500
49749

$65,608
49791

$59,750

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.

ZIP Code	City	Population	Distance
49791	Topinabee, MI	329	4.8 mi
49717	Burt Lake, MI	72	6.1 mi
49705	Afton, MI	937	7.0 mi

More ZIP Codes in Cheboygan County

Cheboygan County Indian River, MI Michigan

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.