Residential delivery area · Michigan
ZIP Code 49770: Petoskey, MI
ZIP code 49770 uses the postal name Petoskey, Michigan and lies mostly in Emmet County (96% of its land), reaching into Charlevoix County and Cheboygan County (Census 2020 ZIP-county file). About 18,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $79,590 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Petoskey (5%) and Bay View (under 1%); 95% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Petoskey · its only residential ZIP
- County
- Emmet County (96%); Charlevoix County (3%); Cheboygan County (1%)
- Census places
- Petoskey (5%); Bay View (under 1%) census-designated place
- Micro area
- Petoskey, MI
- House district
- MI-1 119th Congress
- State
- Michigan
- Time zone
- Eastern
- Land area
- 109.4 sq mi · 167 people per sq mi
Where is ZIP code 49770?
49770 centers on 45.331°, -84.897° and covers 109.4 square miles of land plus 17.9 of water. It borders 8 ZIP codes: 49796, 49722, 49713, 49706, 49712, 49740, 49799, 49720.
The map draws ZIP code areas only. For the streets inside 49770, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 49770 compare with the rest of Emmet County?
| Measure | 49770 | In Emmet County | In MI |
|---|---|---|---|
| People (ACS 2020-2024) | 18,221 | 1st of 11 | 216th of 992 |
| Median household income | $80k | 3rd of 6 | 262nd of 774 |
| Median home value | $355k | 2nd of 7 | 88th of 779 |
Its median household income is higher than in 61% of U.S. residential ZIP codes, and it is denser than 60% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 49770?
The 2020 Census counted 17,643 people in 49770; the ACS, which samples households over 2020-2024, estimates 18,221. Between the 2010 and 2020 censuses its population grew 4.6% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 18,221
- 2020 Census count
- 17,643+4.6% since 2010 (16,862)
- Households
- 7,945
- Median age
- 45.1
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 49770?
Of the 18,221 people the ACS estimates in 49770, 19.8% are under 18 and 24.1% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (92.0%).
- Under 1819.8%
- 18 to 6456.0%
- 65 and older24.1%
- White, not Hispanic92.0%
- Other or two or more5.5%
- Hispanic or Latino1.7%
- Asian, not Hispanic0.5%
- Black, not Hispanic0.3%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 49770 earn?
Median household income is $79,590 (ACS 2020-2024), the 3rd highest of the 6 ranked ZIP codes in Emmet County. It is not measurably different from 2015-2019 ($70,815 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $79,590
- Income per person
- $50,101
- Below the poverty line
- 7.6%
- Unemployed (of the labor force)
- 2.7%
- Adults 25+ with a bachelor's degree
- 46.8%
- Adjusted gross income per tax return, 2022
- $96,4389,510 returns; wages 53% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 49770?
FHFA's house price index for 49770, built from repeat sales and appraisals of the same homes, rose 132% from 2015 to 2025 and rose 71% from 2020 to 2025, and moved +4.7% in 2025.
- Median home value (owners' estimate)
- $355,200
- Median gross rent
- $1,144
- Homes owned by their occupants
- 71.5%
- Housing units
- 10,440
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 49770?
1,010 business establishments had a location in this ZIP code in 2023, 61 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade179
- Health care and social assistance160
- Construction128
- Accommodation and food services91
- Other services (except public administration)89
- Professional, scientific, and technical services75
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 49770?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 49796 | Walloon Lake | 359 | $87k | 4.8 mi |
| 49722 | Conway | 73 | $88k | 6.4 mi |
| 49713 | Boyne Falls | 2,011 | $83k | 8.0 mi |
| 49706 | Alanson | 4,920 | $77k | 9.3 mi |
| 49712 | Boyne City | 8,203 | $74k | 10.0 mi |
| 49740 | Harbor Springs | 7,197 | $89k | 13.9 mi |
| 49799 | Wolverine | 2,331 | $58k | 16.1 mi |
| 49720 | Charlevoix | 9,017 | $78k | 17.3 mi |
| 49764 | Oden | 46 | – | 7.2 mi (near) |
| 49717 | Burt Lake | 43 | – | 12.1 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.