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Michigan ZIP Codes
Charlevoix County
Beaver Island, MI
49782
49782 ZIP Code — Beaver Island, MI
Charlevoix County, Michigan
ZIP code 49782 is located in
Beaver Island ,
Michigan ,
within Charlevoix County .
It covers approximately 55.67 square miles and serves a population of
657 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 906/231 .
About ZIP code 49782
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 $319,000. Owner-occupancy is high at 92%, well above the national average.
Median household income is $69,063. The poverty rate of 7% is below the national average. 72% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is management, business, and professional, with construction as the leading industry. The average commute of 10 minutes is near the national average.
Educational attainment is high — 48% of residents hold a bachelor's degree or higher, well above the national average of 33%.
Notable community characteristics include a notable veteran presence at 15% of civilians, above the national average of 7%.
Overall, ZIP code 49782 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.
49782 ZIP code map
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Cities in ZIP code 49782
Below are the cities the US Postal Service accepts for ZIP code 49782. Using any city not on this list may result in mail delivery delays.
Demographics
updated 06/2026
Population
Total population
657
Population density
12 / sq mi
State FIPS
26
County FIPS
029
Geography
Land area
55.67 sq mi
Water area
1.83 sq mi
Latitude
45.6966
Longitude
-85.5202
Timezone
Eastern (ET)
Area code
906/231
Economics
updated 06/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
41.8%
41.1%
42.6%
$50k – $100k
34.0%
36.5%
31.1%
$100k – $200k
18.9%
17.0%
20.6%
Over $200k
5.3%
5.4%
5.7%
Demographics & statistics
$69,063
Median household income
$319,000
Median home value
47.8%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 99 15.1% 18 and over 558 84.9% 65 and over 325 49.5% Median age 64.5 years
Race & ethnicity
American Indian / Alaska Native
1.1%
Group Count % White 619 92.9% Two or more races 19 2.9% Hispanic or Latino 9 1.4% Other race 9 1.4% American Indian / Alaska Native 7 1.1% Asian 3 0.5%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
41.8%
41.1%
42.6%
$50k – $100k
34.0%
36.5%
31.1%
$100k – $200k
18.9%
17.0%
20.6%
Over $200k
5.3%
5.4%
5.7%
Range % of households Under $10k 3.5% $10k–$15k 1.8% $15k–$25k 6.8% $25k–$35k 9.7% $35k–$50k 14.1% $50k–$75k 18.8% $75k–$100k 16.8% $100k–$150k 15.3% $150k–$200k 6.5% $200k+ 6.8% Median income $69,063
Housing
Housing overview
Metric Value Median home value $319,000 Median rent / month $694 Owner occupied 92.4% Renter occupied 7.6% Vacant 64.8% Single-family detached 92.8% Large apartment buildings 0.0% Mobile homes 2.1% Median rooms 4.9 Avg household size (owned) 1.93
Year built
Era % 2020 or later 0.0% 2010–2019 3.7% 2000–2009 13.1% 1990–1999 21.1% 1980–1989 16.4% 1970–1979 14.9% 1960–1969 11.3% 1950–1959 5.4% 1940–1949 5.6% 1939 or earlier 8.5%
Bedrooms
Size % of units No bedroom (studio) 3.5% 1 bedroom 9.7% 2 bedrooms 35.7% 3 bedrooms 37.0% 4 bedrooms 10.5% 5+ bedrooms 3.6%
Vehicles per household
Vehicles % of households No vehicle 1.8% 1 vehicle 41.8% 2 vehicles 38.8% 3 or more 17.6%
Heating fuel
Fuel type % Utility gas 2.6% Electricity 45.6% Propane / LP gas 17.9% Fuel oil 9.4% Wood 19.1% No fuel used 2.4%
Households & families
Household type Count % Married-couple family 168 49.4% Cohabiting couple 15 4.4% Male householder, no spouse 72 21.2% Female householder, no spouse 85 25.0% Households with children under 18 42 12.4% Households with seniors (65+) 233 68.5% Average household size 1.93
Marital status
Status Male Female Never married 14.3% 13.6% Married 61.3% 61.0% Separated 0.7% 1.4% Widowed 5.7% 15.7% Divorced 17.9% 8.4%
Education
Some college, no degree
23.8%
Graduate / professional
25.6%
Metric % HS diploma or higher 98.0% Bachelor's or higher 47.8%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 2 4.7% Kindergarten 6 14.0% Elementary school 19 44.2% High school 13 30.2% College / grad school 3 7.0%
Employment
Industry of employment
Education & healthcare
19.9%
Transportation & utilities
11.9%
Arts, food & hospitality
9.5%
Professional & management
5.0%
Finance & real estate
3.5%
Public administration
3.5%
Agriculture & mining
1.0%
Occupation
Category % Management, business & arts 45.8% Service 11.4% Sales & office 17.4% Natural resources & construction 14.9% Production & transportation 10.4%
Employment type
Type % Private sector 63.7% Government 16.9% Self-employed 18.9% Unpaid family workers 0.5%
Commute
Method % Drive alone 74.7% Carpool 6.1% Public transit 0.0% Walk 3.0% Work from home 13.1% Other means 3.0% Avg commute (minutes) 9.9
Poverty
Married-couple families
2.4%
Female-led households
6.7%
Income support
Source % of households Social Security 71.8% Retirement income 52.4% Supplemental Security 2.4% Cash public assistance 0.0% Food stamps / SNAP 3.2%
Health indicators
Condition % Obesity 36.0% High blood pressure 40.1% High cholesterol 42.7% Diabetes 12.5% Heart disease 8.4% Stroke 3.5% Asthma 10.2% Arthritis 35.5% Kidney disease 3.4% Pulmonary disease 8.3% Cancer 9.3%
Behavior / access % Smoking 15.5% Binge drinking 15.9% No physical activity 18.8% Less than 7 hrs sleep 30.0% Depression 19.4% Fair or poor health 13.7% Poor mental health 13.0% Poor physical health 10.9% No health insurance 6.8% Visited doctor (checkup) 78.3% Visited dentist 75.7% Cholesterol screening 95.2% Teeth loss 8.9%
Veterans & disability
Veterans Count % Civilian veterans 85 15.2%
Disability % Any disability 19.2% Under 18 1.0% 18–64 years 13.7% 65 and over 28.6%
Health insurance coverage
Type % Private insurance 66.1% Public insurance 58.4% No insurance 10.0% Uninsured under 19 28.2%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 591 90.0% Spanish 2 0.3% Other Indo-European 2 0.3% Asian & Pacific Islander 0 0.0% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 628 95.6% Born in same state 627 95.4% Born in different state 468 71.2% Foreign born 1 0.2% Naturalized citizen 29 4.4% Not a US citizen 7 24.1%
Ancestry
Ancestry Count % Italian 184 28% French 138 21% Arab 31 4.7% English 22 3.3%
Ancestry Count % Dutch 11 1.7% Polish 8 1.2% German 7 1.1%
Technology access
Metric % of households Computer access 51.8% Internet access 96.5%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 49782
What city is ZIP code 49782 in?
ZIP code 49782 is primarily assigned to Beaver Island, Michigan.
What county is ZIP code 49782 in?
ZIP code 49782 falls within Charlevoix County, Michigan.
Does ZIP code 49782 have an older population?
50% of residents in ZIP code 49782 are 65 or older, above the national average of ~17%.
Does ZIP code 49782 have a large retiree population?
72% of households in ZIP code 49782 receive Social Security income, suggesting a significant retiree or disability population.
Is ZIP code 49782 mostly owner-occupied?
92% of occupied units in ZIP code 49782 are owner-occupied, well above the national average.
How educated is the population of ZIP code 49782?
48% 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 49782 in?
ZIP code 49782 observes the EST timezone.
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