| ZIP Code | 49656 |
|---|---|
| City | Luther |
| State | Michigan (MI) |
| County | Lake County |
| Area Code | 231 |
| Elevation | 1,009 ft |
| Latitude | 44.055606 |
|---|---|
| Longitude | -85.697482 |
| Timezone | Detroit (DST) |
| FIPS | 26085 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 51.0 yrs ↑ 5% since 2019 |
|---|---|
| Avg Household Size | 2.66 |
| Below Poverty | 16.8% ▲ 68% above avg |
| College Grads | 20.1% ▼ 48% below avg |
| Unemployment | 4.7% ≈ Avg |
| No HS Diploma | 19 (1.3%) |
| HS Graduate | 756 (50.9%) |
| Some College | 214 (14.4%) |
| Associates | 198 (13.3%) |
| Bachelors | 118 (7.9%) |
| Graduate Degree | 180 (12.1%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $55,781 ▼ 27% below avg ↑ 41% since 2019 |
|---|---|
| Median Home Value | $120,600 ▼ 57% below avg ↑ 43% since 2019 |
| Home/Income Ratio | 2.2x (nat avg ~3.5x) |
| Median Rent | $922/mo ↑ 24% since 2019 |
| Total Units | 1,612 |
| Vacant Units | 819 |
| Avg HH Size | 2.66 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 1,612 |
|---|---|
| Vacant | 819 |
| Owner Occupied | 79.7% |
| Renter Occupied | 20.3% |
| Avg HH Size | 2.66 |
ZIP code 49656 is located in Luther, Michigan, within Lake County. With a population of 2,111, this is a sparsely populated ZIP code with a mature community — the median age is 51 years. Economically, 49656 is a solidly middle-class ZIP code: the median household income of $55,781 is below the national average.
Real estate in ZIP code 49656 represents one of the more affordable housing markets in the country. The median home value of $120,600 is well below the national average. Renters can expect to pay around $922 per month in median rent. Homeownership is strong here — 79.7% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 43% since 2019.
The population of 49656 is primarily White (75.32%). Residents are less-educated — 20.1% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 16.8%. Household income has grown by 41% since 2019.
The unemployment rate in 49656 stands at 4.7%, which is near the national average. As in most parts of the country, driving alone is the dominant commute mode at 77%.
Overall, ZIP code 49656 in Luther, MI is characterized as solidly middle-class, less-educated, a mature community, and predominantly owner-occupied. With 2,111 residents, a median household income of $55,781, and a median home value of $120,600, it offers a clear picture of life in this part of Michigan.