49614 ZIP Code — Bear Lake, MI

Manistee County, Michigan

ZIP code 49614 is located in Bear Lake, Michigan, within Manistee County. It covers approximately 91.39 square miles and serves a population of 3,029 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 231.

About ZIP code 49614

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1960s, giving the area an established character. Median home value is $189,000. Owner-occupancy is high at 97%, well above the national average.

Median household income is $69,063. 51% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with arts, entertainment, and food service as the leading industry. The average commute of 25 minutes is near the national average.

Educational attainment is near the national average, with 26% of residents holding a bachelor's degree or higher.

Overall, ZIP code 49614 reflects a community defined by high homeownership and a significant Social Security-dependent population.

3,029

population

91.39

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49614 ZIP code map

Cities in ZIP code 49614

Below are the cities the US Postal Service accepts for ZIP code 49614. Using any city not on this list may result in mail delivery delays.

City	Status
Bear Lake	Acceptable
Bear Lake	Preferred

Nearby ZIP codes

49645 Kaleva (4.3 mi) 49613 Arcadia (7.1 mi) 49675 Onekama (7.7 mi) 49619 Brethren (10.2 mi) 49616 Benzonia (10.3 mi) 49683 Thompsonville (11.3 mi) 49625 Copemish (12.2 mi) 49635 Frankfort (14.1 mi) 49617 Beulah (14.2 mi) 49660 Manistee (14.2 mi) 49689 Wellston (16.8 mi) 49638 Harrietta (17.7 mi)

Demographics updated 05/2026

Population
Total population	3,029
Population density	33 / sq mi
State FIPS	26
County FIPS	101

Geography
Land area	91.39 sq mi
Water area	3.18 sq mi
Latitude	44.4313
Longitude	-86.0972
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	41.3%	47.3%	42.6%
$50k – $100k	38.0%	35.4%	31.1%
$100k – $200k	18.7%	13.8%	20.6%
Over $200k	2.0%	3.6%	5.7%

Demographics & statistics

3,029

Population

People per sq mi

51.4

Median age

$69,063

Median household income

$35,626

Per capita income

$189,000

Median home value

$988

Median monthly rent

96.9%

Home ownership

9.1%

Poverty rate

2.7%

Unemployment

1,930

Housing units

26.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

125

15–19

117

20–24

130

25–34

123

160

35–44

150

219

45–54

206

127

55–59

120

115

60–64

108

247

65–74

233

117

75–84

111

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	510	16.8%
18 and over	2,519	83.2%
65 and over	828	27.3%
Median age	51.4 years

Race & ethnicity

White 89%

Two or more races 5.6%

Hispanic or Latino 2.7%

Black or African American 1.3%

Other race 0.7%

American Indian / Alaska Native 0.7%

Group	Count	%
White	2,772	89%
Two or more races	174	5.6%
Hispanic or Latino	84	2.7%
Black or African American	40	1.3%
Other race	22	0.7%
American Indian / Alaska Native	21	0.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	41.3%	47.3%	42.6%
$50k – $100k	38.0%	35.4%	31.1%
$100k – $200k	18.7%	13.8%	20.6%
Over $200k	2.0%	3.6%	5.7%

Under $10k 3.1%

$10k–$15k 1.7%

$15k–$25k 7.6%

$25k–$35k 10.4%

$35k–$50k 9.9%

$50k–$75k 21.8%

$75k–$100k 18.7%

$100k–$150k 14.1%

$150k–$200k 9.4%

$200k+ 3.4%

Range	% of households
Under $10k	3.1%
$10k–$15k	1.7%
$15k–$25k	7.6%
$25k–$35k	10.4%
$35k–$50k	9.9%
$50k–$75k	21.8%
$75k–$100k	18.7%
$100k–$150k	14.1%
$150k–$200k	9.4%
$200k+	3.4%
Median income	$69,063

Housing

Home values

Under $50k 5.4%

$50k–$100k 18.4%

$100k–$150k 14.5%

$150k–$200k 14.7%

$200k–$300k 23.2%

$300k–$500k 17.0%

$500k–$1M 6.2%

$1M+ 0.6%

Housing overview

Metric	Value
Median home value	$189,000
Median rent / month	$988
Owner occupied	96.9%
Renter occupied	3.1%
Vacant	42.1%
Single-family detached	91.6%
Large apartment buildings	0.1%
Mobile homes	7.5%
Median rooms	5.4
Avg household size (owned)	2.59

Year built

Era	%
2020 or later	0.8%
2010–2019	4.0%
2000–2009	11.6%
1990–1999	11.5%
1980–1989	12.3%
1970–1979	14.5%
1960–1969	15.7%
1950–1959	8.1%
1940–1949	7.4%
1939 or earlier	14.0%

Bedrooms

Size	% of units
No bedroom (studio)	1.1%
1 bedroom	6.4%
2 bedrooms	25.8%
3 bedrooms	48.1%
4 bedrooms	15.2%
5+ bedrooms	3.4%

Vehicles per household

Vehicles	% of households
No vehicle	3.6%
1 vehicle	30.2%
2 vehicles	34.5%
3 or more	31.8%

Heating fuel

Fuel type	%
Utility gas	42.8%
Electricity	2.7%
Propane / LP gas	30.9%
Fuel oil	2.5%
Wood	19.8%

Households & families

Household type	Count	%
Married-couple family	622	54.7%
Cohabiting couple	77	6.8%
Male householder, no spouse	218	19.2%
Female householder, no spouse	220	19.3%
Households with children under 18	230	20.2%
Households with seniors (65+)	536	47.1%
Average household size	2.60

Marital status

Status	Male	Female
Never married	32.6%	23.2%
Married	51.5%	52.6%
Separated	0.8%	1.0%
Widowed	3.5%	13.0%
Divorced	11.7%	10.2%

Education

Less than 9th grade 0.8%

Some HS, no diploma 4.0%

HS graduate 38.9%

Some college, no degree 20.9%

Associate's degree 9.2%

Bachelor's degree 17.9%

Graduate / professional 8.3%

Metric	%
HS diploma or higher	95.2%
Bachelor's or higher	26.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	30	5.7%
Kindergarten	14	2.7%
Elementary school	204	38.9%
High school	187	35.7%
College / grad school	89	17.0%

Employment

Industry of employment

Arts, food & hospitality 17.9%

Manufacturing 15.3%

Construction 12.6%

Education & healthcare 12.5%

Retail trade 10.9%

Professional & management 10.3%

Public administration 6.2%

Transportation & utilities 3.9%

Other services 3.9%

Finance & real estate 3.3%

Wholesale trade 1.7%

Agriculture & mining 1.0%

Information 0.4%

Occupation

Category	%
Management, business & arts	31.5%
Service	17.7%
Sales & office	20.6%
Natural resources & construction	12.6%
Production & transportation	17.6%

Employment type

Type	%
Private sector	80.3%
Government	13.6%
Self-employed	6.0%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	78.3%
Carpool	8.6%
Public transit	0.1%
Walk	2.8%
Work from home	9.9%
Other means	0.3%
Avg commute (minutes)	24.8

Poverty

All people 9.1%

Under 18 years 15.4%

18 and over 7.8%

Married-couple families 1.8%

Female-led households 14.4%

Income support

Source	% of households
Social Security	50.8%
Retirement income	44.2%
Supplemental Security	4.5%
Cash public assistance	2.9%
Food stamps / SNAP	5.8%

Health indicators

Condition	%
Obesity	36.3%
High blood pressure	37.3%
High cholesterol	37.7%
Diabetes	12.1%
Heart disease	8.3%
Stroke	3.7%
Asthma	10.6%
Arthritis	34.1%
Kidney disease	3.4%
Pulmonary disease	8.9%
Cancer	8.6%

Behavior / access	%
Smoking	18.8%
Binge drinking	17.3%
No physical activity	20.9%
Less than 7 hrs sleep	30.8%
Depression	20.8%
Fair or poor health	15.2%
Poor mental health	14.8%
Poor physical health	11.6%
No health insurance	8.8%
Visited doctor (checkup)	76.0%
Visited dentist	70.4%
Cholesterol screening	92.8%
Teeth loss	12.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	200	7.9%

Disability	%
Any disability	16.8%
Under 18	2.2%
18–64 years	16.7%
65 and over	25.8%

Health insurance coverage

Type	%
Private insurance	69.8%
Public insurance	42.3%
No insurance	6.5%
Uninsured under 19	9.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,932	96.8%
Spanish	11	0.4%
Other Indo-European	9	0.3%
Asian & Pacific Islander	2	0.1%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,002	99.1%
Born in same state	2,999	99.0%
Born in different state	2,442	80.6%
Foreign born	3	0.1%
Naturalized citizen	27	0.9%
Not a US citizen	18	66.7%

Ancestry

Ancestry	Count	%
French	442	14.6%
Italian	316	10.4%
Arab	251	8.3%
English	83	2.7%
German	62	2%

Ancestry	Count	%
Dutch	52	1.7%
Irish	45	1.5%
Polish	23	0.8%
Norwegian	13	0.4%

Technology access

Metric	% of households
Computer access	37.5%
Internet access	89.9%

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

Frequently asked questions about ZIP code 49614

What city is ZIP code 49614 in?

ZIP code 49614 is primarily assigned to Bear Lake, Michigan.

What county is ZIP code 49614 in?

ZIP code 49614 falls within Manistee County, Michigan.

Is ZIP code 49614 mostly owner-occupied?

97% of occupied units in ZIP code 49614 are owner-occupied, well above the national average.

Does ZIP code 49614 have an older population?

27% of residents in ZIP code 49614 are 65 or older, above the national average of ~17%.

Does ZIP code 49614 have a large retiree population?

51% of households in ZIP code 49614 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 49614?

The median home value in ZIP code 49614 is $189,000.

What timezone is ZIP code 49614 in?

ZIP code 49614 observes the EST timezone.