| ZIP Code | 49712 |
|---|---|
| City | Boyne City |
| State | Michigan (MI) |
| County | Charlevoix County |
| Area Code | 231 |
| Elevation | 973 ft |
| Latitude | 45.21121 |
|---|---|
| Longitude | -85.010975 |
| Timezone | Detroit (DST) |
| FIPS | 26029 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 49.8 yrs ↑ 5% since 2019 |
|---|---|
| Avg Household Size | 2.12 |
| Below Poverty | 6.6% ▼ 34% below avg |
| College Grads | 49.3% ▲ 27% above avg |
| Unemployment | 4.9% ≈ Avg |
| No HS Diploma | 29 (0.5%) |
| HS Graduate | 1,385 (23.5%) |
| Some College | 823 (13.9%) |
| Associates | 753 (12.8%) |
| Bachelors | 787 (13.3%) |
| Graduate Degree | 2,124 (36%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $74,202 ≈ Avg ↑ 26% since 2019 |
|---|---|
| Median Home Value | $252,400 ▼ 9% below avg ↑ 46% since 2019 |
| Home/Income Ratio | 3.4x (nat avg ~3.5x) |
| Median Rent | $955/mo ↑ 23% since 2019 |
| Total Units | 5,075 |
| Vacant Units | 1,238 |
| Avg HH Size | 2.12 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 5,075 |
|---|---|
| Vacant | 1,238 |
| Owner Occupied | 82.3% |
| Renter Occupied | 17.7% |
| Avg HH Size | 2.12 |
ZIP code 49712 is located in Boyne City, Michigan, within Charlevoix County. With a population of 8,177, this is a lightly populated ZIP code with a mature community — the median age is 49.8 years. Economically, 49712 is a solidly middle-class ZIP code: the median household income of $74,202 is near the national average.
Real estate in ZIP code 49712 represents a mid-range housing market. The median home value of $252,400 is near the national average. Renters can expect to pay around $955 per month in median rent. Homeownership is strong here — 82.3% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 46% since 2019.
The population of 49712 is primarily White (93.00%). Residents are well-educated — 49.3% hold a bachelor's degree or higher, which is above the national average. Poverty affects a relatively small share of residents at 6.6%. Household income has grown by 26% since 2019.
The unemployment rate in 49712 stands at 4.9%, which is near the national average. About 11% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 76%.
Overall, ZIP code 49712 in Boyne City, MI is characterized as solidly middle-class, well-educated, a mature community, and predominantly owner-occupied. With 8,177 residents, a median household income of $74,202, and a median home value of $252,400, it offers a clear picture of life in this part of Michigan.