49304 ZIP Code — Baldwin, MI

Lake County, Michigan

ZIP code 49304 is located in Baldwin, Michigan, within Lake County. It covers approximately 113.85 square miles and serves a population of 4,614 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 231.

About ZIP code 49304

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $107,600. Owner-occupancy is high at 76%, well above the national average.

Median household income is $35,882. Poverty affects 23% of residents, above the national average. SNAP benefit usage at 25% of households reflects economic stress in the area. 54% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is service, with arts, entertainment, and food service as the leading industry. The average commute of 32 minutes is near the national average.

College attainment at 10% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of diabetes (17%), smoking (26%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 31%.

Overall, ZIP code 49304 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

4,614

population

113.85

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49304 ZIP code map

Cities in ZIP code 49304

Below are the cities the US Postal Service accepts for ZIP code 49304. Using any city not on this list may result in mail delivery delays.

City	Status
Baldwin	Preferred

Nearby ZIP codes

49642 Idlewild (5.4 mi) 49402 Branch (8.9 mi) 49623 Chase (10.1 mi) 49644 Irons (10.8 mi) 49309 Bitely (11.8 mi) 49656 Luther (12.1 mi) 49410 Fountain (15.3 mi) 49405 Custer (16.2 mi) 49338 Paris (17.4 mi) 49677 Reed City (17.8 mi) 49459 Walkerville (18.3 mi)

Demographics updated 05/2026

Population
Total population	4,614
Population density	41 / sq mi
State FIPS	26
County FIPS	085

Geography
Land area	113.85 sq mi
Water area	3.62 sq mi
Latitude	43.9307
Longitude	-85.8609
Timezone	Eastern (ET)
Area code	231

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	73.6%	64.8%	42.6%
$50k – $100k	21.0%	27.2%	31.1%
$100k – $200k	3.6%	6.6%	20.6%
Over $200k	1.8%	1.4%	5.7%

Demographics & statistics

4,614

Population

People per sq mi

48.9

Median age

$35,882

Median household income

$21,860

Per capita income

$107,600

Median home value

$759

Median monthly rent

76.1%

Home ownership

23.1%

Poverty rate

5.7%

Unemployment

5,390

Housing units

10.1%

Bachelor's or higher

Age distribution

Male Female

108

Under 5

104

5–9

103

10–14

15–19

145

20–24

114

233

25–34

182

327

35–44

256

359

45–54

280

220

55–59

172

188

60–64

146

473

65–74

369

180

75–84

141

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	644	14.0%
18 and over	3,970	86.0%
65 and over	1,258	27.3%
Median age	48.9 years

Race & ethnicity

White 69.4%

Black or African American 16.6%

Two or more races 6.1%

Hispanic or Latino 3.4%

Other race 2.5%

American Indian / Alaska Native 1.2%

Asian 0.8%

Group	Count	%
White	3,314	69.4%
Black or African American	795	16.6%
Two or more races	289	6.1%
Hispanic or Latino	162	3.4%
Other race	121	2.5%
American Indian / Alaska Native	57	1.2%
Asian	38	0.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	73.6%	64.8%	42.6%
$50k – $100k	21.0%	27.2%	31.1%
$100k – $200k	3.6%	6.6%	20.6%
Over $200k	1.8%	1.4%	5.7%

Under $10k 9.8%

$10k–$15k 4.7%

$15k–$25k 14.5%

$25k–$35k 19.9%

$35k–$50k 11.5%

$50k–$75k 22.5%

$75k–$100k 9.6%

$100k–$150k 4.6%

$150k–$200k 1.7%

$200k+ 1.2%

Range	% of households
Under $10k	9.8%
$10k–$15k	4.7%
$15k–$25k	14.5%
$25k–$35k	19.9%
$35k–$50k	11.5%
$50k–$75k	22.5%
$75k–$100k	9.6%
$100k–$150k	4.6%
$150k–$200k	1.7%
$200k+	1.2%
Median income	$35,882

Housing

Home values

Under $50k 17.7%

$50k–$100k 26.8%

$100k–$150k 27.3%

$150k–$200k 12.6%

$200k–$300k 7.3%

$300k–$500k 6.4%

$500k–$1M 1.8%

$1M+ 0.2%

Housing overview

Metric	Value
Median home value	$107,600
Median rent / month	$759
Owner occupied	76.1%
Renter occupied	23.9%
Vacant	71.8%
Single-family detached	69.3%
Large apartment buildings	0.4%
Mobile homes	26.7%
Median rooms	4.0
Avg household size (owned)	2.74

Year built

Era	%
2020 or later	0.2%
2010–2019	2.9%
2000–2009	7.8%
1990–1999	15.2%
1980–1989	11.7%
1970–1979	24.2%
1960–1969	15.4%
1950–1959	12.3%
1940–1949	5.2%
1939 or earlier	5.1%

Bedrooms

Size	% of units
No bedroom (studio)	6.8%
1 bedroom	23.1%
2 bedrooms	42.0%
3 bedrooms	22.8%
4 bedrooms	4.0%
5+ bedrooms	1.2%

Vehicles per household

Vehicles	% of households
No vehicle	11.5%
1 vehicle	42.3%
2 vehicles	32.8%
3 or more	13.4%

Heating fuel

Fuel type	%
Utility gas	23.0%
Electricity	8.3%
Propane / LP gas	48.5%
Fuel oil	5.6%
Wood	11.2%
No fuel used	0.5%

Households & families

Household type	Count	%
Married-couple family	519	31.8%
Cohabiting couple	139	8.5%
Male householder, no spouse	497	30.5%
Female householder, no spouse	475	29.1%
Households with children under 18	235	14.4%
Households with seniors (65+)	824	50.6%
Average household size	2.66

Marital status

Status	Male	Female
Never married	41.5%	29.4%
Married	28.7%	31.4%
Separated	1.0%	2.3%
Widowed	5.0%	20.8%
Divorced	23.8%	16.0%

Education

Less than 9th grade 8.6%

Some HS, no diploma 13.3%

HS graduate 38.8%

Some college, no degree 24.0%

Associate's degree 5.3%

Bachelor's degree 7.1%

Graduate / professional 3.0%

Metric	%
HS diploma or higher	78.1%
Bachelor's or higher	10.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	51	7.4%
Kindergarten	79	11.5%
Elementary school	314	45.6%
High school	192	27.9%
College / grad school	53	7.7%

Employment

Industry of employment

Arts, food & hospitality 22.1%

Education & healthcare 20.0%

Manufacturing 10.5%

Retail trade 9.8%

Public administration 8.2%

Construction 6.5%

Transportation & utilities 5.4%

Finance & real estate 5.1%

Professional & management 5.0%

Wholesale trade 4.6%

Other services 2.6%

Agriculture & mining 0.2%

Information 0.2%

Occupation

Category	%
Management, business & arts	24.6%
Service	28.3%
Sales & office	24.6%
Natural resources & construction	6.3%
Production & transportation	16.3%

Employment type

Type	%
Private sector	67.3%
Government	20.3%
Self-employed	12.4%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	76.1%
Carpool	6.2%
Public transit	0.0%
Walk	9.1%
Work from home	5.2%
Other means	3.4%
Avg commute (minutes)	31.8

Poverty

All people 23.1%

Under 18 years 18.5%

18 and over 23.9%

Married-couple families 11.4%

Female-led households 16.4%

Income support

Source	% of households
Social Security	54.4%
Retirement income	32.9%
Supplemental Security	15.9%
Cash public assistance	9.8%
Food stamps / SNAP	25.0%

Health indicators

Condition	%
Obesity	41.4%
High blood pressure	44.8%
High cholesterol	41.2%
Diabetes	17.3%
Heart disease	10.8%
Stroke	5.5%
Asthma	12.2%
Arthritis	39.7%
Kidney disease	4.6%
Pulmonary disease	13.2%
Cancer	8.6%

Behavior / access	%
Smoking	25.9%
Binge drinking	15.2%
No physical activity	29.4%
Less than 7 hrs sleep	35.7%
Depression	22.4%
Fair or poor health	23.8%
Poor mental health	17.0%
Poor physical health	16.3%
No health insurance	12.4%
Visited doctor (checkup)	77.2%
Visited dentist	57.7%
Cholesterol screening	91.6%
Teeth loss	20.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	288	7.3%

Disability	%
Any disability	31.2%
Under 18	9.2%
18–64 years	34.1%
65 and over	37.1%

Health insurance coverage

Type	%
Private insurance	44.7%
Public insurance	74.4%
No insurance	4.7%
Uninsured under 19	11.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,421	95.8%
Spanish	22	0.5%
Other Indo-European	20	0.5%
Asian & Pacific Islander	2	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,533	98.2%
Born in same state	4,488	97.3%
Born in different state	3,633	78.7%
Foreign born	45	1.0%
Naturalized citizen	81	1.8%
Not a US citizen	48	59.3%

Ancestry

Ancestry	Count	%
Italian	517	11.2%
French	492	10.7%
English	223	4.8%
Arab	163	3.5%
German	99	2.1%

Ancestry	Count	%
Norwegian	39	0.8%
Polish	7	0.2%
Dutch	4	0.1%
Irish	1	0%

Technology access

Metric	% of households
Computer access	35.3%
Internet access	87.2%

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

Frequently asked questions about ZIP code 49304

What city is ZIP code 49304 in?

ZIP code 49304 is primarily assigned to Baldwin, Michigan.

What county is ZIP code 49304 in?

ZIP code 49304 falls within Lake County, Michigan.

Does ZIP code 49304 have a large retiree population?

54% of households in ZIP code 49304 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 49304 have an older population?

27% of residents in ZIP code 49304 are 65 or older, above the national average of ~17%.

What is the poverty rate in ZIP code 49304?

23% of residents in ZIP code 49304 live below the poverty line, above the national average.

How educated is the population of ZIP code 49304?

10% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What timezone is ZIP code 49304 in?

ZIP code 49304 observes the EST timezone.