49749 ZIP Code — Indian River, MI

Cheboygan County, Michigan

ZIP code 49749 is located in Indian River, Michigan, within Cheboygan County. It covers approximately 64.84 square miles and serves a population of 4,527 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 231.

About ZIP code 49749

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 $183,500. Owner-occupancy is high at 86%, well above the national average.

Median household income is $64,418. 58% 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 28 minutes is near the national average.

Educational attainment is near the national average, with 31% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (21%) compared to national benchmarks.

Overall, ZIP code 49749 reflects a community defined by high homeownership and a significant Social Security-dependent population.

4,527

population

64.84

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49749 ZIP code map

Cities in ZIP code 49749

Below are the cities the US Postal Service accepts for ZIP code 49749. Using any city not on this list may result in mail delivery delays.

City	Status
Indian River	Preferred

Nearby ZIP codes

49705 Afton (8.5 mi) 49799 Wolverine (9.3 mi) 49706 Alanson (9.8 mi) 49721 Cheboygan (11.6 mi) 49765 Onaway (15.9 mi) 49795 Vanderbilt (17 mi) 49769 Pellston (17.5 mi) 49770 Petoskey (17.7 mi) 49755 Levering (19.9 mi)

Demographics updated 06/2026

Population
Total population	4,527
Population density	70 / sq mi
State FIPS	26
County FIPS	031

Geography
Land area	64.84 sq mi
Water area	9.13 sq mi
Latitude	45.4228
Longitude	-84.5675
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	44.3%	51.3%	42.6%
$50k – $100k	37.8%	34.0%	31.1%
$100k – $200k	13.4%	12.5%	20.6%
Over $200k	4.5%	2.2%	5.7%

Demographics & statistics

4,527

Population

People per sq mi

58.0

Median age

$64,418

Median household income

$38,905

Per capita income

$183,500

Median home value

$807

Median monthly rent

85.8%

Home ownership

12.2%

Poverty rate

4.0%

Unemployment

3,467

Housing units

31.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

128

15–19

117

112

20–24

102

154

25–34

142

178

35–44

164

291

45–54

267

176

55–59

162

309

60–64

284

407

65–74

374

301

75–84

276

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	557	12.3%
18 and over	3,970	87.7%
65 and over	1,526	33.7%
Median age	58.0 years

Race & ethnicity

White 88.2%

Two or more races 6.3%

Hispanic or Latino 3.2%

American Indian / Alaska Native 1.5%

Other race 0.4%

Black or African American 0.3%

Asian 0.1%

Group	Count	%
White	4,125	88.2%
Two or more races	293	6.3%
Hispanic or Latino	150	3.2%
American Indian / Alaska Native	71	1.5%
Other race	18	0.4%
Black or African American	13	0.3%
Asian	7	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.3%	51.3%	42.6%
$50k – $100k	37.8%	34.0%	31.1%
$100k – $200k	13.4%	12.5%	20.6%
Over $200k	4.5%	2.2%	5.7%

Under $10k 5.9%

$10k–$15k 3.1%

$15k–$25k 12.0%

$25k–$35k 6.8%

$35k–$50k 10.5%

$50k–$75k 17.8%

$75k–$100k 16.7%

$100k–$150k 11.6%

$150k–$200k 6.2%

$200k+ 9.4%

Range	% of households
Under $10k	5.9%
$10k–$15k	3.1%
$15k–$25k	12.0%
$25k–$35k	6.8%
$35k–$50k	10.5%
$50k–$75k	17.8%
$75k–$100k	16.7%
$100k–$150k	11.6%
$150k–$200k	6.2%
$200k+	9.4%
Median income	$64,418

Housing

Home values

Under $50k 3.7%

$50k–$100k 9.7%

$100k–$150k 22.2%

$150k–$200k 17.7%

$200k–$300k 13.4%

$300k–$500k 16.4%

$500k–$1M 16.4%

$1M+ 0.5%

Housing overview

Metric	Value
Median home value	$183,500
Median rent / month	$807
Owner occupied	85.8%
Renter occupied	14.2%
Vacant	45.3%
Single-family detached	91.1%
Large apartment buildings	0.0%
Mobile homes	4.3%
Median rooms	5.3
Avg household size (owned)	2.18

Year built

Era	%
2020 or later	0.2%
2010–2019	4.0%
2000–2009	12.8%
1990–1999	23.1%
1980–1989	15.7%
1970–1979	20.0%
1960–1969	10.2%
1950–1959	7.4%
1940–1949	3.1%
1939 or earlier	3.5%

Bedrooms

Size	% of units
No bedroom (studio)	0.5%
1 bedroom	4.3%
2 bedrooms	23.9%
3 bedrooms	54.2%
4 bedrooms	15.4%
5+ bedrooms	1.7%

Vehicles per household

Vehicles	% of households
No vehicle	4.1%
1 vehicle	36.8%
2 vehicles	35.8%
3 or more	23.4%

Heating fuel

Fuel type	%
Utility gas	75.3%
Electricity	5.0%
Propane / LP gas	13.0%
Wood	6.3%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	1,067	51.9%
Cohabiting couple	134	6.5%
Male householder, no spouse	385	18.7%
Female householder, no spouse	471	22.9%
Households with children under 18	320	15.6%
Households with seniors (65+)	1,025	49.8%
Average household size	2.20

Marital status

Status	Male	Female
Never married	30.6%	15.0%
Married	51.1%	55.0%
Separated	0.6%	0.1%
Widowed	5.5%	9.9%
Divorced	12.2%	20.0%

Education

Less than 9th grade 0.4%

Some HS, no diploma 9.6%

HS graduate 32.4%

Some college, no degree 19.3%

Associate's degree 7.1%

Bachelor's degree 15.4%

Graduate / professional 15.8%

Metric	%
HS diploma or higher	90.0%
Bachelor's or higher	31.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	38	7.2%
Kindergarten	23	4.4%
Elementary school	195	37.0%
High school	180	34.2%
College / grad school	91	17.3%

Employment

Industry of employment

Education & healthcare 24.3%

Construction 14.7%

Professional & management 11.5%

Manufacturing 11.3%

Retail trade 11.2%

Arts, food & hospitality 9.4%

Other services 5.9%

Transportation & utilities 3.4%

Public administration 3.1%

Wholesale trade 2.0%

Agriculture & mining 1.9%

Finance & real estate 1.1%

Information 0.2%

Occupation

Category	%
Management, business & arts	29.5%
Service	21.0%
Sales & office	24.4%
Natural resources & construction	14.5%
Production & transportation	10.5%

Employment type

Type	%
Private sector	76.8%
Government	13.7%
Self-employed	9.3%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	72.2%
Carpool	14.2%
Public transit	0.0%
Walk	0.7%
Work from home	11.7%
Other means	1.1%
Avg commute (minutes)	27.5

Poverty

All people 12.2%

Under 18 years 13.0%

18 and over 12.1%

Married-couple families 4.8%

Female-led households 63.4%

Income support

Source	% of households
Social Security	57.9%
Retirement income	52.9%
Supplemental Security	6.8%
Cash public assistance	1.5%
Food stamps / SNAP	10.4%

Health indicators

Condition	%
Obesity	39.0%
High blood pressure	39.2%
High cholesterol	40.0%
Diabetes	13.4%
Heart disease	9.3%
Stroke	4.1%
Asthma	11.0%
Arthritis	36.9%
Kidney disease	3.8%
Pulmonary disease	10.0%
Cancer	9.1%

Behavior / access	%
Smoking	20.5%
Binge drinking	16.4%
No physical activity	22.0%
Less than 7 hrs sleep	32.5%
Depression	21.3%
Fair or poor health	17.0%
Poor mental health	15.1%
Poor physical health	12.6%
No health insurance	9.1%
Visited doctor (checkup)	77.3%
Visited dentist	67.7%
Cholesterol screening	93.2%
Teeth loss	13.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	373	9.4%

Disability	%
Any disability	21.9%
Under 18	6.3%
18–64 years	20.9%
65 and over	29.2%

Health insurance coverage

Type	%
Private insurance	68.7%
Public insurance	52.6%
No insurance	6.8%
Uninsured under 19	2.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,348	96.0%
Spanish	1	0.0%
Other Indo-European	1	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,447	98.2%
Born in same state	4,417	97.6%
Born in different state	3,651	80.6%
Foreign born	30	0.7%
Naturalized citizen	80	1.8%
Not a US citizen	70	87.5%

Ancestry

Ancestry	Count	%
Italian	848	18.7%
French	645	14.2%
Arab	216	4.8%
German	153	3.4%
English	106	2.3%

Ancestry	Count	%
Polish	84	1.9%
Irish	28	0.6%
Norwegian	4	0.1%
Dutch	4	0.1%

Technology access

Metric	% of households
Computer access	45.4%
Internet access	94.6%

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

Frequently asked questions about ZIP code 49749

What city is ZIP code 49749 in?

ZIP code 49749 is primarily assigned to Indian River, Michigan.

What county is ZIP code 49749 in?

ZIP code 49749 falls within Cheboygan County, Michigan.

Does ZIP code 49749 have an older population?

34% of residents in ZIP code 49749 are 65 or older, above the national average of ~17%.

Does ZIP code 49749 have a large retiree population?

58% of households in ZIP code 49749 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 49749 mostly owner-occupied?

86% of occupied units in ZIP code 49749 are owner-occupied, well above the national average.

Does ZIP code 49749 have a large veteran population?

9% of civilians in ZIP code 49749 are veterans, above the national average of ~7%.

What timezone is ZIP code 49749 in?

ZIP code 49749 observes the EST timezone.