49740 ZIP Code — Harbor Springs, MI

Emmet County, Michigan

ZIP code 49740 is located in Harbor Springs, Michigan, within Emmet County. It covers approximately 124.93 square miles and serves a population of 7,451 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 231.

About ZIP code 49740

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $297,800. Owner-occupancy is high at 89%, well above the national average.

The gap between median ($80,250) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 7% is below the national average. 46% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 20 minutes is near the national average.

Educational attainment is high — 46% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 49740 reflects a community defined by high homeownership and a significant Social Security-dependent population.

7,451

population

124.93

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49740 ZIP code map

Cities in ZIP code 49740

Below are the cities the US Postal Service accepts for ZIP code 49740. Using any city not on this list may result in mail delivery delays.

City	Status
Harbor Springs	Acceptable
Harbor Springs	Acceptable
Harbor Springs	Preferred

Nearby ZIP codes

49769 Pellston (6.8 mi) 49755 Levering (10.7 mi) 49706 Alanson (12.9 mi) 49718 Carp Lake (13.7 mi) 49770 Petoskey (14.4 mi) 49701 Mackinaw City (18.6 mi)

Demographics updated 06/2026

Population
Total population	7,451
Population density	60 / sq mi
State FIPS	26
County FIPS	047

Geography
Land area	124.93 sq mi
Water area	17.44 sq mi
Latitude	45.5440
Longitude	-84.9915
Timezone	Eastern (ET)
Area code	231

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	36.9%	42.7%	42.6%
$50k – $100k	34.2%	33.8%	31.1%
$100k – $200k	19.2%	17.5%	20.6%
Over $200k	9.7%	6.0%	5.7%

Demographics & statistics

7,451

Population

People per sq mi

54.9

Median age

$80,250

Median household income

$50,928

Per capita income

$297,800

Median home value

$1,085

Median monthly rent

89.2%

Home ownership

6.7%

Poverty rate

4.2%

Unemployment

5,730

Housing units

45.8%

Bachelor's or higher

Age distribution

Male Female

139

Under 5

121

168

5–9

146

175

10–14

153

191

15–19

167

122

20–24

107

354

25–34

308

409

35–44

355

438

45–54

380

334

55–59

290

344

60–64

299

834

65–74

726

386

75–84

336

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,121	15.0%
18 and over	6,330	85.0%
65 and over	2,451	32.9%
Median age	54.9 years

Race & ethnicity

White 87.8%

Two or more races 4.8%

Hispanic or Latino 3.2%

American Indian / Alaska Native 1.7%

Black or African American 1.3%

Other race 0.7%

Asian 0.3%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	6,761	87.8%
Two or more races	371	4.8%
Hispanic or Latino	250	3.2%
American Indian / Alaska Native	128	1.7%
Black or African American	103	1.3%
Other race	57	0.7%
Asian	24	0.3%
Native Hawaiian / Pacific Islander	7	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	36.9%	42.7%	42.6%
$50k – $100k	34.2%	33.8%	31.1%
$100k – $200k	19.2%	17.5%	20.6%
Over $200k	9.7%	6.0%	5.7%

Under $10k 3.9%

$10k–$15k 3.2%

$15k–$25k 7.6%

$25k–$35k 6.3%

$35k–$50k 8.9%

$50k–$75k 18.1%

$75k–$100k 15.0%

$100k–$150k 17.1%

$150k–$200k 7.1%

$200k+ 12.8%

Range	% of households
Under $10k	3.9%
$10k–$15k	3.2%
$15k–$25k	7.6%
$25k–$35k	6.3%
$35k–$50k	8.9%
$50k–$75k	18.1%
$75k–$100k	15.0%
$100k–$150k	17.1%
$150k–$200k	7.1%
$200k+	12.8%
Median income	$80,250

Housing

Home values

Under $50k 2.8%

$50k–$100k 2.2%

$100k–$150k 6.0%

$150k–$200k 10.5%

$200k–$300k 29.2%

$300k–$500k 28.3%

$500k–$1M 15.0%

$1M+ 6.2%

Housing overview

Metric	Value
Median home value	$297,800
Median rent / month	$1,085
Owner occupied	89.2%
Renter occupied	10.8%
Vacant	46.2%
Single-family detached	81.1%
Large apartment buildings	1.2%
Mobile homes	2.7%
Median rooms	6.2
Avg household size (owned)	2.24

Year built

Era	%
2020 or later	0.2%
2010–2019	3.0%
2000–2009	14.5%
1990–1999	19.1%
1980–1989	16.3%
1970–1979	18.6%
1960–1969	6.3%
1950–1959	3.7%
1940–1949	4.1%
1939 or earlier	14.2%

Bedrooms

Size	% of units
No bedroom (studio)	1.5%
1 bedroom	5.3%
2 bedrooms	18.6%
3 bedrooms	45.3%
4 bedrooms	20.7%
5+ bedrooms	8.6%

Vehicles per household

Vehicles	% of households
No vehicle	3.4%
1 vehicle	30.2%
2 vehicles	40.0%
3 or more	26.4%

Heating fuel

Fuel type	%
Utility gas	60.4%
Electricity	6.0%
Propane / LP gas	19.2%
Fuel oil	0.2%
Wood	12.9%
Solar	0.2%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	1,936	59.2%
Cohabiting couple	139	4.2%
Male householder, no spouse	553	16.9%
Female householder, no spouse	645	19.7%
Households with children under 18	615	18.8%
Households with seniors (65+)	1,560	47.7%
Average household size	2.24

Marital status

Status	Male	Female
Never married	23.6%	15.7%
Married	63.3%	62.8%
Separated	0.8%	0.3%
Widowed	4.1%	11.5%
Divorced	8.3%	9.7%

Education

Less than 9th grade 0.9%

Some HS, no diploma 2.3%

HS graduate 20.4%

Some college, no degree 21.8%

Associate's degree 8.8%

Bachelor's degree 26.3%

Graduate / professional 19.5%

Metric	%
HS diploma or higher	96.8%
Bachelor's or higher	45.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	51	4.5%
Kindergarten	53	4.7%
Elementary school	488	43.1%
High school	300	26.5%
College / grad school	240	21.2%

Employment

Industry of employment

Education & healthcare 19.6%

Arts, food & hospitality 14.6%

Retail trade 13.2%

Construction 11.6%

Professional & management 9.2%

Manufacturing 8.9%

Finance & real estate 5.7%

Public administration 4.2%

Other services 3.9%

Transportation & utilities 3.7%

Wholesale trade 2.5%

Agriculture & mining 1.6%

Information 1.3%

Occupation

Category	%
Management, business & arts	44.6%
Service	14.6%
Sales & office	19.2%
Natural resources & construction	10.5%
Production & transportation	11.1%

Employment type

Type	%
Private sector	79.1%
Government	10.2%
Self-employed	10.7%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	79.7%
Carpool	5.4%
Public transit	0.1%
Walk	1.8%
Work from home	12.0%
Other means	1.0%
Avg commute (minutes)	20.3

Poverty

All people 6.7%

Under 18 years 2.7%

18 and over 7.4%

Married-couple families 1.9%

Female-led households 12.9%

Income support

Source	% of households
Social Security	45.5%
Retirement income	34.3%
Supplemental Security	3.5%
Cash public assistance	0.6%
Food stamps / SNAP	4.2%

Health indicators

Condition	%
Obesity	33.3%
High blood pressure	35.4%
High cholesterol	38.9%
Diabetes	11.1%
Heart disease	7.4%
Stroke	3.2%
Asthma	10.2%
Arthritis	32.7%
Kidney disease	3.2%
Pulmonary disease	7.2%
Cancer	9.1%

Behavior / access	%
Smoking	14.4%
Binge drinking	17.0%
No physical activity	17.2%
Less than 7 hrs sleep	28.9%
Depression	20.3%
Fair or poor health	12.1%
Poor mental health	13.5%
Poor physical health	9.9%
No health insurance	6.5%
Visited doctor (checkup)	77.8%
Visited dentist	76.5%
Cholesterol screening	94.5%
Teeth loss	8.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	449	7.1%

Disability	%
Any disability	11.7%
Under 18	2.9%
18–64 years	7.1%
65 and over	23.5%

Health insurance coverage

Type	%
Private insurance	76.2%
Public insurance	41.2%
No insurance	6.2%
Uninsured under 19	5.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	7,191	96.5%
Spanish	22	0.3%
Other Indo-European	8	0.1%
Asian & Pacific Islander	0	0.0%
Other languages	9	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	7,359	98.8%
Born in same state	7,316	98.2%
Born in different state	5,639	75.7%
Foreign born	43	0.6%
Naturalized citizen	92	1.2%
Not a US citizen	64	69.6%

Ancestry

Ancestry	Count	%
French	1,337	17.9%
Italian	1,063	14.3%
Arab	321	4.3%
English	276	3.7%
German	93	1.2%

Ancestry	Count	%
Polish	67	0.9%
Dutch	50	0.7%
Irish	30	0.4%
Norwegian	15	0.2%

Technology access

Metric	% of households
Computer access	43.9%
Internet access	95.9%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 49740

What city is ZIP code 49740 in?

ZIP code 49740 is primarily assigned to Harbor Springs, Michigan.

What county is ZIP code 49740 in?

ZIP code 49740 falls within Emmet County, Michigan.

Does ZIP code 49740 have an older population?

33% of residents in ZIP code 49740 are 65 or older, above the national average of ~17%.

Is ZIP code 49740 mostly owner-occupied?

89% of occupied units in ZIP code 49740 are owner-occupied, well above the national average.

Does ZIP code 49740 have a large retiree population?

46% of households in ZIP code 49740 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 49740?

46% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What timezone is ZIP code 49740 in?

ZIP code 49740 observes the EST timezone.