PlainZIP

Petoskey, MI · standard

ZIP Code 49770

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

16,862
59/sq mi
$79,590
Median income
$355,200
Median home value
46.8%
Bachelor's or higher

The verdict

Petoskey pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.

Top 39%
household income, US ZIPs
Top 26%
home value, US ZIPs
59
people per sq mi
72%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49770 against every reporting US ZIP.

ZIP code 49770 is classified by USPS as a standard delivery area and covers roughly 283.9 square miles in Petoskey, Emmet County, Michigan. The area is home to 16,862 residents, producing a population density of 59 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 49770 against Michigan and the nation.

On the economic side, the median household income for ZIP 49770 sits at $79,590 (9% above the Michigan average), while per-capita income is $50,101. The poverty rate stands at 7.6% and the unemployment rate at 2.7%. On housing, the median home value is $355,200 (62% above the state average) with median rent at $1,144 per month, and 71.5% of occupied units are owner-occupied, a direct signal of whether 49770 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 46.8% of adults hold a bachelor's degree or higher, the median age is 45.1, and the average commute is 18 minutes. We also surface 6 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Emmet County, so you can benchmark 49770 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 49770

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 49770.

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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 49770, Petoskey, MI · 2023 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

16,862

Population

283.9

Area (sq mi)

59

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 49770?

45.1

Median Age

47.6%

Male

52.4%

Female

1.8%

Foreign-Born

White 92.4%
African American 0.4%
Asian 0.5%
American Indian or Alaska Native 0.5%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.4%
Hispanic or Latino 1.7%

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?

$79,590

Median Household Income

+9% vs state

$50,101

Per Capita Income

7.6%

Poverty Rate

2.7%

Unemployment Rate

18.3 min

Mean Commute Time

How ZIP 49770 ranks nationally

Household income vs. every US ZIP code

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

$79,590 Top 39% higher than 61% 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%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $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 67.6%
Bachelor's Degree or Higher 46.8%

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

What does housing look like?

10,440

Total Housing Units

7,945

Occupied Units

2,495

Vacant Units

2.26

Avg Household Size

Occupancy Type

Owner 71.5%
Renter 28.5%

$355,200

Median Home Value

+62% vs state

$1,144

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

+6.8%

YoY Change (2024)

250

HPI Index (2000 = 100)

+150%

Total Change Since 2000

Home values in ZIP 49770 have increased 6.8% over the past year (2024). Since 2000, this ZIP has seen +150% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.9% 155
2021 +12.7% 174
2022 +18.4% 206
2023 +13.5% 234
2024 +6.8% 250

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 1,010 business establishments in ZIP 49770, employing approximately 11,723 people with a combined annual payroll of $600,298,000.

1,010

Businesses

11,723

Employees

$600.3M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Retail trade 179 17.7%
Health care and social assistance 160 15.8%
Construction 128 12.7%
Accommodation and food services 91 9.0%
Other services (except public administration) 89 8.8%
Professional, scientific, and technical services 75 7.4%
Administrative and support and waste management and remediation services 61 6.0%
Finance and insurance 58 5.7%
Real estate and rental and leasing 42 4.2%
Manufacturing 31 3.1%
Arts, entertainment, and recreation 26 2.6%
Wholesale trade 24 2.4%
Information 21 2.1%
Transportation and warehousing 10 1.0%
Educational services 6 0.6%
Management of companies and enterprises 5 0.5%

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 49770 vs 49722 →

ZIP 49770 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 49770 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 49770 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 49770 ranks #4 of 6 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
49722 Conway, MI 220 5.6 mi
49796 Walloon Lake, MI 320 6.2 mi
49764 Oden, MI 139 6.3 mi
49713 Boyne Falls, MI 1,864 9.1 mi
49706 Alanson, MI 4,585 8.5 mi
49712 Boyne City, MI 7,890 11.0 mi

More ZIP Codes in Emmet County

49740 standard
Harbor Springs, MI
Pop: 7,042
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 Petoskey, MI Michigan

Frequently Asked Questions

What county is ZIP code 49770 in? ▼
ZIP code 49770 (Petoskey) 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 49770? ▼
ZIP code 49770 in Petoskey, MI has a population of 16,862 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49770? ▼
The median household income in ZIP 49770 is $79,590, which is 4% above the national average of $76,288.
What is the average home value in ZIP 49770? ▼
The median home value in ZIP 49770 is $355,200, which is 28% above the national average of $278,155.
What is the demographic makeup of ZIP 49770? ▼
The largest racial group in ZIP 49770 is White at 92.4%. Hispanic or Latino residents make up 1.7% of the population.
How many businesses are in ZIP code 49770? ▼
ZIP code 49770 has 1,010 business establishments employing approximately 11,723 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 49770? ▼
The top industries by establishment count in ZIP 49770 are: Retail trade (179), Health care and social assistance (160), Construction (128). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 49770? ▼
According to the FHFA House Price Index, home values in ZIP 49770 increased by 6.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 150%. 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 49770? ▼
In ZIP code 49770, 67.6% of residents aged 25+ have a high school diploma or higher, and 46.8% 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 49770? ▼
The mean commute time for workers in ZIP code 49770 is 18.3 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 49770? ▼
In ZIP code 49770, approximately 71.5% of occupied housing units are owner-occupied and 28.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 49770? ▼
The poverty rate in ZIP code 49770 is 7.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Petoskey, MI

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

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