| ZIP Code | 49740 |
|---|---|
| City | Harbor Springs |
| State | Michigan (MI) |
| County | Emmet County |
| Area Code | 231 |
| Elevation | 979 ft |
| Latitude | 45.521875 |
|---|---|
| Longitude | -84.990777 |
| Timezone | Detroit (DST) |
| FIPS | 26047 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 55.0 yrs |
|---|---|
| Avg Household Size | 2.25 |
| Below Poverty | 6.9% ▼ 31% below avg |
| College Grads | 54.8% ▲ 41% above avg |
| Unemployment | 3.9% ▼ 19% below avg |
| No HS Diploma | 35 (0.6%) |
| HS Graduate | 1,126 (19.9%) |
| Some College | 507 (9%) |
| Associates | 890 (15.7%) |
| Bachelors | 532 (9.4%) |
| Graduate Degree | 2,567 (45.4%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $85,230 ▲ 12% above avg ↑ 25% since 2019 |
|---|---|
| Median Home Value | $332,600 ▲ 19% above avg ↑ 37% since 2019 |
| Home/Income Ratio | 3.9x (nat avg ~3.5x) |
| Median Rent | $997/mo ↑ 4% since 2019 |
| Total Units | 6,057 |
| Vacant Units | 2,864 |
| Avg HH Size | 2.25 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 6,057 |
|---|---|
| Vacant | 2,864 |
| Owner Occupied | 88.8% |
| Renter Occupied | 11.2% |
| Avg HH Size | 2.25 |
ZIP code 49740 is located in Harbor Springs, Michigan, within Emmet County. With a population of 7,277, this is a lightly populated ZIP code with an older community — the median age is 55 years. Economically, 49740 is a middle-income ZIP code: the median household income of $85,230 is near the national average.
Real estate in ZIP code 49740 represents a mid-range housing market. The median home value of $332,600 is above the national average. Renters can expect to pay around $997 per month in median rent. Homeownership is strong here — 88.8% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 37% since 2019.
The population of 49740 is primarily White (88.04%). Residents are well-educated — 54.8% hold a bachelor's degree or higher, which is above the national average. Poverty affects a relatively small share of residents at 6.9%. Household income has grown by 25% since 2019.
The unemployment rate in 49740 stands at 3.9%, which is below the national average. About 14% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 77%.
Overall, ZIP code 49740 in Harbor Springs, MI is characterized as middle-income, well-educated, an older community, and predominantly owner-occupied. With 7,277 residents, a median household income of $85,230, and a median home value of $332,600, it offers a clear picture of life in this part of Michigan.