| ZIP Code | 49431 |
|---|---|
| City | Ludington |
| State | Michigan (MI) |
| County | Mason County |
| Area Code | 231 |
| Elevation | 639 ft |
| Latitude | 43.964611 |
|---|---|
| Longitude | -86.409251 |
| Timezone | Detroit (DST) |
| FIPS | 26105 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 48.5 yrs ↑ 4% since 2019 |
|---|---|
| Avg Household Size | 2.24 |
| Below Poverty | 14.8% ▲ 48% above avg |
| College Grads | 43.6% ▲ 13% above avg |
| Unemployment | 3.7% ▼ 25% below avg |
| No HS Diploma | 62 (0.5%) |
| HS Graduate | 3,595 (30%) |
| Some College | 1,302 (10.9%) |
| Associates | 1,790 (14.9%) |
| Bachelors | 1,679 (14%) |
| Graduate Degree | 3,547 (29.6%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $63,313 ▼ 17% below avg ↑ 20% since 2019 |
|---|---|
| Median Home Value | $218,600 ▼ 22% below avg ↑ 43% since 2019 |
| Home/Income Ratio | 3.5x (nat avg ~3.5x) |
| Median Rent | $850/mo ↑ 22% since 2019 |
| Total Units | 9,959 |
| Vacant Units | 2,494 |
| Avg HH Size | 2.24 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 9,959 |
|---|---|
| Vacant | 2,494 |
| Owner Occupied | 72.3% |
| Renter Occupied | 27.7% |
| Avg HH Size | 2.24 |
ZIP code 49431 is located in Ludington, Michigan, within Mason County. With a population of 17,027, this is a moderately populated ZIP code with a mature community — the median age is 48.5 years. Economically, 49431 is a solidly middle-class ZIP code: the median household income of $63,313 is below the national average.
Real estate in ZIP code 49431 represents an affordable housing market. The median home value of $218,600 is below the national average. Renters can expect to pay around $850 per month in median rent. Homeownership is strong here — 72.3% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 43% since 2019.
The population of 49431 is primarily White (90.31%). Residents are well-educated — 43.6% hold a bachelor's degree or higher, which is near the national average. Poverty affects some residents at 14.8%. Household income has grown by 20% since 2019.
The unemployment rate in 49431 stands at 3.7%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 73%.
Overall, ZIP code 49431 in Ludington, MI is characterized as solidly middle-class, well-educated, a mature community, and predominantly owner-occupied. With 17,027 residents, a median household income of $63,313, and a median home value of $218,600, it offers a clear picture of life in this part of Michigan.