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Population & Demographics

ZIP Code 49770 has 17,643 residents and 7,577 households (average 2.29 persons per household). The median age is 44.3 years, older than the state (40.1) and older than the nation (38.8). The gender split is 49.4% male and 50.6% female, which is about the same as the national male share (49.1%), making this a female-majority area. Largest groups are White (90.0%, much higher than the state average of 73.9% and well above the national average of 61.6%) and American Indian & Alaska Native (2.8%, slightly higher than the state average of 0.6%); Hispanic or Latino residents make up 2.0%, which is much lower than the national average (18.7%).

Explore More:Population Over Time By Age & Gender By Race By Gender Nativity & Citizenship

Source: U.S. Census 2020 Demographics & Housing Characteristics (DHC) and U.S. Census 2011-2024 American Community Survey (ACS) 5-Year Estimates.

2020 Population:	17,643Source: Census DHC
2024 ACS Population Estimate:	18,221Source: Census ACS
2026 ZC Population Estimate:	21,498Source: ZIP-Codes.com
Population Density:	161.3 people per sq mile
Average Income:	$79,590Source: Census ACS

Households:	7,577Source: Census DHC
Average House Value:	$355,200Source: Census ACS
Persons Per Household:	2.29Source: Census DHC
Average Family Size:	2.97Source: Census ACS

Population Over Time (with 2010 & 2020 Census Benchmarks)

Line chart of ZIP 49770 population estimates from 2011-2024, with markers for the 2010 and 2020 Decennial Census counts to show growth or decline over time. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2010	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Census ACS Population Estimate	--	17,232	17,011	17,038	17,078	17,199	17,148	17,062	16,977	17,045	17,205	17,450	17,555	17,813	18,221
Decennial Census	16,862	--	--	--	--	--	--	--	--	--	17,643	--	--	--	--

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. DP05. DEMOGRAPHIC AND HOUSING ESTIMATES

Population by Age & Gender (Total, Male, Female)

Median Age: 44.3

Male Median Age: 41.6

Female Median Age: 47

Line chart for ZIP 49770 showing total, male, and female population by age group. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	< 5	5-9	10-14	15-19	20-24	25-29	30-34	35-39	40-44	45-49	50-54	55-59	60-64	65-69	70-74	75-79	80-84	85+
Male	394	454	605	557	574	487	558	555	482	492	509	612	606	645	493	304	211	177
Female	375	446	443	537	502	484	501	505	509	477	588	601	795	633	549	349	272	362
Total	769	900	1,048	1,094	1,076	971	1,059	1,060	991	969	1,097	1,213	1,401	1,278	1,042	653	483	539

Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

Pie Chart & Table Comparison Chart

Population by Race

Pie chart of the racial and ethnic makeup of ZIP 49770. Table below includes counts and percentages. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

White:	15,881	93.09%
Black:	94	0.55%
Hispanic:*	346	2.03%
Asian:	118	0.69%
American Indian:	493	2.89%
Hawaiian:	12	0.07%
Other:	116	0.68%
Total:	17,060	100%

Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

* NOTE: Hispanic or Latino is an ethnicity, not a race. This means individuals who identify as Hispanic will also be included in one of the race categories (such as White or Black). As a result, the totals shown here may exceed 100% when Hispanic is displayed alongside racial groups.

Pie Chart & Table Comparison Chart

Gender Breakdown

Simple chart showing male vs female share of the population in ZIP Code 49770. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Gender	Count	%	Median Age
Males:	8,715	49.40%	41.6 years
Females:	8,928	50.60%	47.0 years
Total:	17,643	100%	44.3 years

Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

Nativity & Citizenship

Pie chart showing nativity in ZIP 49770. Categories include native residents (born in the United States, Puerto Rico, U.S. Island Areas, or abroad to American parents) and foreign-born residents. A table below lists counts and percentages. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Native, born in the United States:	17,667	96.96%
Native, born in PR, Island Areas, or abroad:	222	1.22%
Foreign born, naturalized U.S. citizen:	211	1.16%
Foreign born, not a U.S. citizen:	121	1.82%
Total Population:	18,221	100%
Total Native Population:	17,889	98.18%
Total Foreign-born Population:	332	1.82%

Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP02. SELECTED SOCIAL CHARACTERISTICS

Note: Nativity and Citizenship derived from American Community Survey (ACS) 5-year estimates. Total Population listed here will not match official ZIP Code population totals, which are based on the Decennial Census.

Income & Employment

In 2024, the Median household income is $79,590, which is slightly below the national median ($80,734), is up $28,736 (56.5%) since 2011 and above its 2019 pre-pandemic level by $21,876. Family households earn a median of $107,578 versus $49,231 for nonfamily households (a difference of $58,347). By gender, male median income is $64,578 and female is $52,775, which is falls short of the national female median ($55,274), with a current gap of $11,803 that has stayed about the same from 2011 to 2024. The labor-force participation rate is 60.6%, which is modestly under the national rate (63.5%). The unemployment rate is 2.7%, which is far lower than the national rate (5.2%). The largest occupation group is Management (41.6%).

Explore More:Income Over Time Household Income Employment Status By Occupation

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. Using data from Tables DP02, DP03, DP04 and DP05.

Median Income Over Time (Household, Family, Nonfamily, Male, Female)

Line chart showing median income in ZIP 49770 from 2011-2024 for five series: household, family, nonfamily, male, and female. The table below lists the yearly values. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Income Type	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Median Household Income	$50,854	$52,895	$52,267	$52,326	$51,143	$51,687	$51,114	$54,941	$57,714	$62,264	$68,396	$76,971	$80,431	$79,590
Median Family Income	$66,038	$68,576	$65,244	$67,288	$67,604	$67,000	$69,069	$73,022	$74,848	$76,985	$84,645	$97,037	$101,587	$107,578
Median NonFamily Income	$26,730	$26,937	$27,318	$27,534	$30,103	$31,341	$32,321	$33,224	$34,983	$36,147	$43,619	$46,729	$45,643	$49,231
Median Male Income	$45,513	$46,055	$43,050	$44,634	$43,493	$44,456	$45,315	$46,590	$47,875	$51,078	$54,762	$57,333	$62,773	$64,578
Median Female Income	$33,973	$35,183	$36,919	$36,340	$34,453	$35,050	$34,667	$38,033	$39,201	$39,696	$43,206	$49,752	$52,199	$52,775

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. DP03. SELECTED ECONOMIC CHARACTERISTICS

Average Household Income

Bar chart showing average household income comparing ZIP 49770, city of Petoskey, Emmet County, state of Michigan, and United States national values. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS

Pie Chart & Table Comparison Chart

Employment Status

Pie chart of employment status for ZIP 49770, showing the shares who are employed, unemployed, and not in the labor force. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Employed:	8,883	58.92%
Unemployed:	247	1.64%
Not In Labor Force:	5,946	39.44%
Total:	15,076	100%

Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS

Employment by Occupation (Civilian Employed Population, 16 and Over)

Donut Chart showing the distribution of employed civilians aged 16 and over by occupation category: management, service, sales and office, natural resources and construction, and production and transportation. A table with the same data and percentages is provided as well.Load Chart Manually (if needed)

Management, business, science, and arts:	3,693	41.57%
Service:	1,714	19.30%
Sales and Office:	2,042	22.99%
Natural resources, construction, and maintenance:	854	9.61%
Production, transportation, and material moving:	580	6.53%
Total Civilian Employed Population:	8,883	100%

Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS.

Housing & Affordability

In 2024, the median home value is $355,200, which is above the national median ($332,700), is up $160,800 (82.72%) since 2011 and above its 2019 pre-pandemic level by $158,800. The median gross rent is $1,144, which is well under the national median ($1,413), is up $403 (54.39%) since 2011 and above its 2019 pre-pandemic level by $312. Of occupied housing, owners make up 71.54% (53.33% with a mortgage, 46.67% free-and-clear) and renters 28.46% - making this ZIP Code under national rental averages. The vacancy rate is 23.90%, which is far higher than the national rate (10.12%).

Explore More:Compare Home Value Home Value Over Time Rent & Over Time Housing Occupancy

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. Using data from Table DP03, SELECTED ECONOMIC CHARACTERISTICS.

Median Home Value (Comparison)

Bar chart showing the median home value for ZIP 49770, compared with Petoskey, Emmet County, state of Michigan, and the U.S. National Average. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Median Home Value Over Time

Line chart showing median home values for ZIP 49770 across years 2011-2024 using ACS 5-year estimates. The chart displays the typical dollar value of owner-occupied housing units. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Median Home Value	$194,400	$188,900	$176,500	$176,300	$170,400	$173,800	$183,000	$190,800	$196,400	$223,900	$232,400	$269,800	$309,900	$355,200

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. DP04. SELECTED HOUSING CHARACTERISTICS

Gross Rent Paid

Pie chart of gross rent for renter-occupied homes in ZIP 49770, showing monthly rent brackets and the share of units in each range. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Less than $500:	88	3.89%
$500 to $999:	751	33.22%
$1,000 to $1,499:	631	27.91%
$1,500 to $1,999:	374	16.54%
$2,000 to $2,499:	84	3.72%
$2,500 to $2,999:	96	4.25%
$3,000 or more:	106	4.69%
No Rent:	131	5.79%
Total:	2,261	100%

Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Median Gross Rent Over Time

Line chart displaying median gross rent for ZIP 49770 over the years 2011-2024 using ACS 5-year estimates. The chart represents typical monthly housing costs for renter households. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Median Rent	$741	$734	$744	$778	$780	$773	$779	$809	$832	$851	$953	$1,010	$1,077	$1,144

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. DP04. SELECTED HOUSING CHARACTERISTICS

Housing Occupancy

Pie chart showing housing occupancy for ZIP 49770. Categories include owner-occupied units with a mortgage, owner-occupied units free and clear, and renter-occupied units. A table below lists counts and percentages. Vacant housing units are shown separately in the Vacancy chart. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Owner Occupied (with mortgage):	3,031	38.15%
Owner Occupied (free and clear, no mortgage):	2,653	33.39%
Renter Occupied:	2,261	28.46%
Total Occupied Housing Units:	7,945	100%

Occupied Housing Units:	7,945	76.10%
Vacant Housing Units (not graphed):	2,495	23.90%
Total Housing Units:	10,440	100%

Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Housing Type (Single-Family, Multi-Family, Other)

Pie chart showing housing type distribution for ZIP 49770. Categories include single-family units (detached or attached), multi-family units (from 2 units up to 50 or more units), and other structures such as mobile homes or boats/RVs. A table below lists counts and percentages for each group.Load Chart Manually (if needed)

Single-Family Units:	7,585	72.65%
Multi-Family Units:	2,480	23.75%
Other Units:	375	3.59%
Total Housing Units:	10,440	100%

Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Education, Health & Community

In 2024, 46.80% of adults (25+) have a bachelor's degree or higher, which is far higher than the national rate (35.70%). High school or higher is 97.10%, which is far higher than the national rate (89.60%). The uninsured rate is 5.20%, which is falls below the national rate (8.40%). The share of people in poverty is 4.90%, which is falls below the national rate (8.80%), down 1.20 percentage points since 2011 and below its 2019 pre-pandemic level by 0.20 percentage points. This suggests a positive shift in the local economic and social landscape - higher incomes, steadier consumer demand, and a strengthening tax base. Among residents ages 3+, the largest enrollment group is elementary (40.54%). College enrollment is 19.52%, which is far lower than the national rate (26.70%), indicating the community may be more oriented toward vocational/trade or direct-to-workforce opportunities.

Explore More:Educational Attainment Health Insurance Poverty Over Time School Enrollment

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. Using data from Tables DP02 and DP03.

Educational Attainment of Adults (25 and Older)

Pie chart of educational attainment for adults (25+) in ZIP 49770, including each level from less than 9th grade to graduate/professional. Summary rows show high school or higher and bachelor's or higher. A table lists counts and percentages.Load Chart Manually (if needed)

Less than 9th grade:	72	0.54%
9th to 12th grade, no diploma:	310	2.33%
High school graduate (includes equivalency):	2,777	20.85%
Some college, no degree:	2,660	19.97%
Associate's degree:	1,272	9.55%
Bachelor's degree:	3,337	25.05%
Graduate or professional degree:	2,893	21.72%
Total:	13,321	100%
High school or higher:	12,939	97.13%
Bachelor's degree or higher:	6,230	46.77%

Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP02. SELECTED SOCIAL CHARACTERISTICS

Pie Chart & Table Comparison Chart

Health Insurance Coverage by Type (Private, Public, Uninsured)

Pie chart illustrating health insurance coverage by type for ZIP Code 49770. Categories include private insurance, public coverage such as Medicare and Medicaid, and individuals with no health insurance. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Private Insurance:	12,998	61.24%
Public Insurance:	7,280	34.30%
No Insurance:	948	4.47%
Total:	21,226	100%
Has Health Insurance:	20,278	95.53%

Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS

Percentage of People in Poverty Over Time (2011-2024)

Line chart displaying the share of families and people in ZIP 49770 whose income falls below the federal poverty threshold, using ACS 5-year estimates from 2011 through 2024. The chart shows year-to-year changes in the percentage of people in poverty. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
% of People in Poverty	6.3%	6.8%	7.0%	7.7%	6.8%	7.4%	7.1%	5.8%	5.3%	5.3%	3.8%	3.9%	5.1%	4.9%

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. DP03. SELECTED ECONOMIC CHARACTERISTICS

Note: Counts of Families & People in poverty are not published at the ZIP Code level due to small sample sizes. Percentages shown are survey estimates from the American Community Survey (ACS). They may differ from official poverty statistics. The U.S. Census Bureau defines poverty status by comparing a family's or individual's total income with federal poverty thresholds that vary by family size and composition.

School Enrollment by Education Level (Ages 3 and Older)

Pie Chart showing enrollment of residents ages 3 and older in Nursery School or Preschool, Kindergarten, Elementary (grades 1-8), High School (grades 9-12), and College or Graduate School. A table with the same data and percentages is provided as well.Load Chart Manually (if needed)

Nursery School, Preschool:	188	5.30%
Kindergarten:	397	11.18%
Elementary school (grades 1-8):	1,439	40.54%
High school (grades 9-12):	833	23.46%
College or graduate school:	693	19.52%
Total:	3,550	100%
Early Childhood:	585	16.48%
K-12 (Primary & Secondary School):	2,669	75.18%

Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP02. SELECTED SOCIAL CHARACTERISTICS

City:	Petoskey, Michigan
City Alias:	Bay Harbor, Bay View
Counties:	Emmet County[Primary] Charlevoix County Cheboygan County
Timezone:	Eastern (GMT -05:00)
Local Time:	8:06:11 AM
Population:	17,643 [See All]
Area Code:	231
Classification:	Standard [Normal Street Delivery]
Coordinates:	45.3423, -84.9135
Land Area:	109.386 sq mi
Quick Link:	https://www.zip-codes.com/zip-code/49770/zip-code-49770.asp

# Residential Mailboxes:	9,388Source: USPS
# Business Mailboxes:	980Source: USPS
Total Delivery Receptacles:	10,969Source: USPS
Single Family Delivery Units:	7,057Source: USPS
Multi Family Delivery Units:	1,267Source: USPS

# of Businesses:	1,010Source: CBP
1st Quarter Payroll:	$141,471,000Source: CBP
Annual Payroll:	$600,298,000Source: CBP
# of Employees:	11,723Source: CBP

CBSA Name:	Petoskey, MISource: Census
CBSA Number:	37950Source: Census
CBSA Type:	MicroSource: Census
CBSA Division:	--Source: Census
CBSA Population:	0Source: Census
MSA:	Source: Census
Land Area:	109.386 sq miSource: Census
Water Area:	17.856 sq miSource: Census

Congressional District:	01Source: USPS
Congressional Land Area:	25027.75 sq miSource: Census
PMSA:	Source: Census
Intro Date:	< 2004-10Source: ZIP-Codes.com
Place FIPS Code:	2663820Source: Census
Place Name:	Petoskey city; MichiganSource: Census

ZIP Code 49770 in Petoskey, MI

Population & Demographics

Population Over Time (with 2010 & 2020 Census Benchmarks)

Population by Age & Gender (Total, Male, Female)

Population by Race

Gender Breakdown

Nativity & Citizenship

Income & Employment

Median Income Over Time (Household, Family, Nonfamily, Male, Female)

Average Household Income

Employment Status

Employment by Occupation (Civilian Employed Population, 16 and Over)

Housing & Affordability

Median Home Value (Comparison)

Median Home Value Over Time

Gross Rent Paid

Median Gross Rent Over Time

Housing Occupancy

Housing Type (Single-Family, Multi-Family, Other)

Education, Health & Community

Educational Attainment of Adults (25 and Older)

Health Insurance Coverage by Type (Private, Public, Uninsured)

Percentage of People in Poverty Over Time (2011-2024)

School Enrollment by Education Level (Ages 3 and Older)

Business & Employment Statistics

Geography, Land Area, & Statistical Classifications

Adjacent & Nearby ZIP Codes

Schools in ZIP Code 49770

Colleges & Post Secondary Schools near ZIP Code 49770

Sources & References