| City: | Walloon Lake, Michigan |
| County: | Charlevoix County |
| Timezone: | Eastern (GMT -05:00) |
| Local Time: | 8:06:24 AM |
| Population: | 300 [See All] |
| Area Code: | 231 |
| Classification: | PO Box |
| Coordinates: | 45.2660, -84.9380 |
| Land Area: | 1.582 sq mi |
| Quick Link: |
Of the 306 total housing units here, 107 sit vacant seasonally. That's 35% of all housing, and it explains why PO Box adoption reaches 2.04 times the number of occupied households. Many property owners live elsewhere most of the year but maintain boxes for tax bills, HOA notices, and property management correspondence. The median home value of $267,700 reflects vacation property prices, not year-round housing stock.
Walloon Lake operates as a rural delivery zone with one rural carrier route serving 33 records. N Shore Dr handles the most delivery points with 11 records, while Waters Edge Dr and Renwick Ln (which includes unit designations) follow. The single street route supplements 344 PO Boxes, creating a delivery system that accommodates both permanent residents and seasonal property owners.
The 169 occupied households represent the year-round community, with a median age of 49 and median household income of $84,667. The area spans just over 3 square miles, mixing 1.58 square miles of land with 0.43 square miles of water. The post office location serves as the community's postal anchor in Charlevoix County, where rural character meets vacation property ownership.
Street names emphasize waterfront location with Shore, Waters Edge, and directional references. The presence of unit designations on Renwick Ln suggests some multi-family or condo development amid primarily single-family vacation properties.
ZIP Code 49796 has 300 residents and 169 households (average 1.73 persons per household). The median age is 49.0 years, significantly older than the state (40.1) and significantly older than the nation (38.8). The gender split is 45.3% male and 54.7% female, which is lower than the state male share (49.3%), making this a female-majority area. Largest groups are White (97.3%, much higher than the state average of 73.9% and well above the national average of 61.6%) and Hispanic or Latino (2.3%); Hispanic or Latino residents make up 2.3%, which is much lower than the national average (18.7%).
Explore More:Population Over TimeBy Age & GenderBy RaceBy GenderNativity & Citizenship
| 2020 Population: | 300Source: Census DHC |
| 2024 ACS Population Estimate: | 359Source: Census ACS |
| 2026 ZC Population Estimate: | 0Source: ZIP-Codes.com |
| Population Density: | 189.6 people per sq mile |
| Average Income: | $87,434Source: Census ACS |
| Households: | 169Source: Census DHC |
| Average House Value: | $282,300Source: Census ACS |
| Persons Per Household: | 1.73Source: Census DHC |
| Average Family Size: | 2.21Source: Census ACS |
| Group | 2010 | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Census ACS Population Estimate | -- | 228 | 238 | 361 | 404 | 430 | 335 | 377 | 337 | 283 | 321 | 354 | 375 | 316 | 359 |
| Decennial Census | 320 | -- | -- | -- | -- | -- | -- | -- | -- | -- | 300 | -- | -- | -- | -- |
Median Age: 49
Male Median Age: 33.5
Female Median Age: 54
| 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 | 7 | 7 | 8 | 10 | 13 | 9 | 15 | 7 | 6 | 12 | 3 | 7 | 8 | 9 | 4 | 5 | 5 | 1 |
| Female | 1 | 6 | 4 | 1 | 10 | 6 | 6 | 8 | 7 | 14 | 21 | 8 | 18 | 15 | 18 | 15 | 6 | 0 |
| Total | 8 | 13 | 12 | 11 | 23 | 15 | 21 | 15 | 13 | 26 | 24 | 15 | 26 | 24 | 22 | 20 | 11 | 1 |
| White: | 292 | 96.37% |
| Black: | 0 | 0% |
| Hispanic:* | 7 | 2.31% |
| Asian: | 3 | 0.99% |
| American Indian: | 1 | 0.33% |
| Hawaiian: | 0 | 0% |
| Other: | 0 | 0% |
| Total: | 303 | 100% |
| Gender | Count | % | Median Age |
|---|---|---|---|
| Males: | 136 | 45.33% | 33.5 years |
| Females: | 164 | 54.67% | 54.0 years |
| Total: | 300 | 100% | 49.0 years |
| Native, born in the United States: | 354 | 98.61% |
| Native, born in PR, Island Areas, or abroad: | 5 | 1.39% |
| Foreign born, naturalized U.S. citizen: | 0 | 0.00% |
| Foreign born, not a U.S. citizen: | 0 | 0.00% |
| Total Population: | 359 | 100% |
| Total Native Population: | 359 | 100.00% |
| Total Foreign-born Population: | 0 | 0.00% |
In 2024, the Median household income is $87,434, which is much higher than the national median ($80,734), is up $43,238 (97.8%) since 2011 and above its 2019 pre-pandemic level by $22,017. Family households earn a median of $140,208 versus $29,688 for nonfamily households (a difference of $110,520). By gender, male median income is $63,864 and female is $94,792, which is much higher than the national female median ($55,274), with a current gap of $30,928 that has narrowed from 2011 to 2024. The labor-force participation rate is 50.3%, which is considerably lower than the national rate (63.5%). The unemployment rate is 1.3%, which is much lower than the national rate (5.2%). The largest occupation group is Management (36.5%).
Explore More:Income Over TimeHousehold IncomeEmployment StatusBy Occupation
| Income Type | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Household Income | $44,196 | $43,229 | $65,625 | $46,875 | $47,019 | $61,375 | $62,721 | $54,000 | $65,417 | $71,250 | $73,583 | $89,219 | $84,667 | $87,434 |
| Median Family Income | $63,333 | $65,750 | $73,625 | $72,250 | $76,250 | $91,500 | $79,375 | $81,250 | $92,778 | $72,344 | $81,250 | $111,477 | $113,977 | $140,208 |
| Median NonFamily Income | $32,031 | $31,389 | $30,278 | $34,306 | $33,611 | $32,232 | $35,139 | $37,875 | $0 | $0 | $0 | $29,643 | $40,536 | $29,688 |
| Median Male Income | $44,583 | $45,972 | $46,125 | $37,176 | $0 | $43,750 | $54,250 | $52,250 | $59,583 | $65,625 | $71,000 | $68,000 | $82,917 | $63,864 |
| Median Female Income | $30,625 | $29,583 | $31,528 | $31,250 | $0 | $0 | $0 | $36,250 | $0 | $38,676 | $41,250 | $0 | $97,692 | $94,792 |
| Employed: | 148 | 49.66% |
| Unemployed: | 2 | 0.67% |
| Not In Labor Force: | 148 | 49.66% |
| Total: | 298 | 100% |
| Management, business, science, and arts: | 54 | 36.49% |
| Service: | 28 | 18.92% |
| Sales and Office: | 0 | 0.00% |
| Natural resources, construction, and maintenance: | 21 | 14.19% |
| Production, transportation, and material moving: | 45 | 30.41% |
| Total Civilian Employed Population: | 148 | 100% |
In 2024, the median home value is $282,300, which is considerably lower than the national median ($332,700), is up $125,500 (80.04%) since 2011 and above its 2019 pre-pandemic level by $282,300. The median gross rent is $0, which is well under the national median ($1,413), is down $703 (100.00%) since 2011 and below its 2019 pre-pandemic level by $794. Of occupied housing, owners make up 85.89% (50.00% with a mortgage, 50.00% free-and-clear) and renters 14.11% - making this ZIP Code under national rental averages. The vacancy rate is 46.38%, which is far higher than the national rate (10.12%).
Explore More:Compare Home ValueHome Value Over TimeRent & Over TimeHousing Occupancy
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Home Value | $156,800 | $167,900 | $169,700 | $225,000 | $273,400 | $291,700 | $0 | $0 | $0 | $200,000 | $196,900 | $225,900 | $267,700 | $282,300 |
| Less than $500: | 0 | 0.00% |
| $500 to $999: | 8 | 34.78% |
| $1,000 to $1,499: | 0 | 0.00% |
| $1,500 to $1,999: | 0 | 0.00% |
| $2,000 to $2,499: | 10 | 43.48% |
| $2,500 to $2,999: | 0 | 0.00% |
| $3,000 or more: | 0 | 0.00% |
| No Rent: | 5 | 21.74% |
| Total: | 23 | 100% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Rent | $703 | $753 | $911 | $775 | $758 | $723 | $731 | $784 | $794 | $1,028 | $1,000 | $1,307 | $0 | $0 |
| Owner Occupied (with mortgage): | 70 | 42.94% |
| Owner Occupied (free and clear, no mortgage): | 70 | 42.94% |
| Renter Occupied: | 23 | 14.11% |
| Total Occupied Housing Units: | 163 | 100% |
| Occupied Housing Units: | 163 | 53.62% |
| Vacant Housing Units (not graphed): | 141 | 46.38% |
| Total Housing Units: | 304 | 100% |
| Single-Family Units: | 275 | 90.46% |
| Multi-Family Units: | 21 | 6.91% |
| Other Units: | 8 | 2.63% |
| Total Housing Units: | 304 | 100% |
In 2024, 49.30% 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 100.00%, which is far higher than the national rate (89.60%). The uninsured rate is 0.60%, which is far lower than the national rate (8.40%). The share of people in poverty is 3.10%, which is far lower than the national rate (8.80%), down 0.90 percentage points since 2011 and above its 2019 pre-pandemic level by 3.60 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 (45.16%). College enrollment is 17.74%, which is comparable to the national rate (26.70%), meaning the community mirrors broader higher-education participation.
Explore More:Educational AttainmentHealth InsurancePoverty Over TimeSchool Enrollment
| Less than 9th grade: | 0 | 0.00% |
| 9th to 12th grade, no diploma: | 0 | 0.00% |
| High school graduate (includes equivalency): | 53 | 18.40% |
| Some college, no degree: | 63 | 21.88% |
| Associate's degree: | 30 | 10.42% |
| Bachelor's degree: | 71 | 24.65% |
| Graduate or professional degree: | 71 | 24.65% |
| Total: | 288 | 100% |
| High school or higher: | 288 | 100.00% |
| Bachelor's degree or higher: | 142 | 49.31% |
| Private Insurance: | 284 | 67.62% |
| Public Insurance: | 134 | 31.90% |
| No Insurance: | 2 | 0.48% |
| Total: | 420 | 100% |
| Has Health Insurance: | 418 | 99.52% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| % of People in Poverty | 4.5% | 4.9% | 3.8% | 3.0% | 2.9% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 3.6% | 3.1% |
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.
| Nursery School, Preschool: | 2 | 3.23% |
| Kindergarten: | 0 | 0.00% |
| Elementary school (grades 1-8): | 28 | 45.16% |
| High school (grades 9-12): | 21 | 33.87% |
| College or graduate school: | 11 | 17.74% |
| Total: | 62 | 100% |
| Early Childhood: | 2 | 3.23% |
| K-12 (Primary & Secondary School): | 49 | 79.03% |
ZIP Code 49796 supports both business and residential activity. According to the Business Census (2024), there are 21 business establishments, employing about 181 people with an annual payroll of $9,916,000.
| # Residential Mailboxes: | 0Source: USPS |
| # Business Mailboxes: | 0Source: USPS |
| Total Delivery Receptacles: | 376Source: USPS |
| Single Family Delivery Units: | 0Source: USPS |
| Multi Family Delivery Units: | 0Source: USPS |
| # of Businesses: | 21Source: CBP |
| 1st Quarter Payroll: | $1,900,000Source: CBP |
| Annual Payroll: | $9,916,000Source: CBP |
| # of Employees: | 181Source: CBP |
ZIP Code 49796 is located in Charlevoix County, Michigan, within the Metropolitan Statistical Area (CBSA ) and Michigan's 1st Congressional District. This area has a population of 0 people, about 0.00% of whom live in ZIP Code 49796. It covers 1.582 sq mi of land and a water area of 0.427 sq mi.
| CBSA Name: | --Source: Census |
| CBSA Number: | --Source: Census |
| CBSA Type: | --Source: Census |
| CBSA Division: | --Source: Census |
| CBSA Population: | 0Source: Census |
| MSA: | Source: Census |
| Land Area: | 1.582 sq miSource: Census |
| Water Area: | 0.427 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: | 2683140Source: Census |
| Place Name: | Walloon Lake CDP; MichiganSource: Census |
We could not locate which school district 49796 belongs to, but we will update this once new district data is released. There are no public schools nor private schools with a mailing address in this ZIP Code. Listing Nearby schools instead. It also has 6 colleges, universities or post secondary education institutions nearby which would be a short commute to.
Our sources include trusted federal and licensed data from the United States Postal Service, U.S. Census Bureau, U.S. Geological Survey, Centers for Medicare & Medicaid Services, and the National Center for Education Statistics, along with proprietary datasets created by ZIP-Codes.com. Data last updated on February 1, 2026.