49712 ZIP Code — Boyne City, MI

Charlevoix County, Michigan

ZIP code 49712 is located in Boyne City, Michigan, within Charlevoix County. It covers approximately 72.92 square miles and serves a population of 8,250 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 231.

About ZIP code 49712

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $231,400. Owner-occupancy is high at 82%, well above the national average.

The gap between median ($69,548) 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. 39% 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 near the national average, with 35% of residents holding a bachelor's degree or higher.

Overall, ZIP code 49712 reflects a community defined by high homeownership and a significant Social Security-dependent population.

8,250

population

72.92

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49712 ZIP code map

Cities in ZIP code 49712

Below are the cities the US Postal Service accepts for ZIP code 49712. Using any city not on this list may result in mail delivery delays.

City	Status
Boyne City	Preferred

Nearby ZIP codes

49727 East Jordan (4.6 mi) 49713 Boyne Falls (7.6 mi) 49770 Petoskey (11.1 mi) 49720 Charlevoix (12 mi) 49730 Elmira (12.1 mi) 49729 Ellsworth (14 mi) 49622 Central Lake (14.5 mi) 49615 Bellaire (18.6 mi) 49659 Mancelona (19 mi)

Demographics updated 05/2026

Population
Total population	8,250
Population density	113 / sq mi
State FIPS	26
County FIPS	029

Geography
Land area	72.92 sq mi
Water area	10.52 sq mi
Latitude	45.1972
Longitude	-85.0107
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	38.7%	41.1%	42.6%
$50k – $100k	38.5%	36.5%	31.1%
$100k – $200k	16.0%	17.0%	20.6%
Over $200k	6.7%	5.4%	5.7%

Demographics & statistics

8,250

Population

113

People per sq mi

49.5

Median age

$69,548

Median household income

$45,147

Per capita income

$231,400

Median home value

$948

Median monthly rent

82.3%

Home ownership

6.6%

Poverty rate

4.6%

Unemployment

4,482

Housing units

34.6%

Bachelor's or higher

Age distribution

Male Female

143

Under 5

144

160

5–9

163

256

10–14

260

236

15–19

240

226

20–24

229

370

25–34

375

444

35–44

450

505

45–54

512

288

55–59

291

415

60–64

421

630

65–74

639

318

75–84

322

106

85+

107

← Male

Female →

Age summary

Group	Count	%
Under 18	1,391	16.9%
18 and over	6,859	83.1%
65 and over	2,122	25.7%
Median age	49.5 years

Race & ethnicity

White 92.9%

Two or more races 3.8%

Hispanic or Latino 1.2%

American Indian / Alaska Native 0.7%

Black or African American 0.6%

Asian 0.5%

Other race 0.3%

Group	Count	%
White	7,753	92.9%
Two or more races	320	3.8%
Hispanic or Latino	100	1.2%
American Indian / Alaska Native	57	0.7%
Black or African American	52	0.6%
Asian	41	0.5%
Other race	27	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	38.7%	41.1%	42.6%
$50k – $100k	38.5%	36.5%	31.1%
$100k – $200k	16.0%	17.0%	20.6%
Over $200k	6.7%	5.4%	5.7%

Under $10k 2.9%

$10k–$15k 2.3%

$15k–$25k 6.7%

$25k–$35k 7.6%

$35k–$50k 13.2%

$50k–$75k 22.8%

$75k–$100k 13.7%

$100k–$150k 15.4%

$150k–$200k 7.6%

$200k+ 7.9%

Range	% of households
Under $10k	2.9%
$10k–$15k	2.3%
$15k–$25k	6.7%
$25k–$35k	7.6%
$35k–$50k	13.2%
$50k–$75k	22.8%
$75k–$100k	13.7%
$100k–$150k	15.4%
$150k–$200k	7.6%
$200k+	7.9%
Median income	$69,548

Housing

Home values

Under $50k 6.2%

$50k–$100k 8.0%

$100k–$150k 9.9%

$150k–$200k 16.3%

$200k–$300k 24.1%

$300k–$500k 19.0%

$500k–$1M 13.2%

$1M+ 3.1%

Housing overview

Metric	Value
Median home value	$231,400
Median rent / month	$948
Owner occupied	82.3%
Renter occupied	17.7%
Vacant	24.1%
Single-family detached	79.1%
Large apartment buildings	1.1%
Mobile homes	7.5%
Median rooms	5.9
Avg household size (owned)	2.14

Year built

Era	%
2020 or later	0.1%
2010–2019	5.2%
2000–2009	14.0%
1990–1999	16.9%
1980–1989	13.5%
1970–1979	17.2%
1960–1969	8.1%
1950–1959	6.9%
1940–1949	5.9%
1939 or earlier	12.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.6%
1 bedroom	4.7%
2 bedrooms	26.0%
3 bedrooms	50.7%
4 bedrooms	14.0%
5+ bedrooms	4.0%

Vehicles per household

Vehicles	% of households
No vehicle	3.6%
1 vehicle	30.6%
2 vehicles	44.0%
3 or more	21.9%

Heating fuel

Fuel type	%
Utility gas	61.4%
Electricity	10.8%
Propane / LP gas	19.2%
Fuel oil	0.8%
Wood	5.2%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	2,019	51.4%
Cohabiting couple	381	9.7%
Male householder, no spouse	621	15.8%
Female householder, no spouse	908	23.1%
Households with children under 18	822	20.9%
Households with seniors (65+)	1,473	37.5%
Average household size	2.09

Marital status

Status	Male	Female
Never married	25.4%	25.1%
Married	61.7%	54.2%
Separated	0.1%	0.1%
Widowed	2.0%	6.9%
Divorced	10.8%	13.8%

Education

Less than 9th grade 0.9%

Some HS, no diploma 3.1%

HS graduate 25.4%

Some college, no degree 24.2%

Associate's degree 11.9%

Bachelor's degree 20.7%

Graduate / professional 13.9%

Metric	%
HS diploma or higher	96.1%
Bachelor's or higher	34.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	82	5.2%
Kindergarten	76	4.8%
Elementary school	652	41.4%
High school	383	24.3%
College / grad school	382	24.3%

Employment

Industry of employment

Education & healthcare 21.7%

Manufacturing 17.4%

Arts, food & hospitality 14.4%

Retail trade 10.0%

Professional & management 9.7%

Construction 6.6%

Finance & real estate 5.8%

Other services 4.6%

Transportation & utilities 4.2%

Public administration 3.2%

Agriculture & mining 0.9%

Information 0.8%

Wholesale trade 0.7%

Occupation

Category	%
Management, business & arts	38.1%
Service	20.3%
Sales & office	18.4%
Natural resources & construction	8.6%
Production & transportation	14.6%

Employment type

Type	%
Private sector	79.4%
Government	11.3%
Self-employed	9.0%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	78.0%
Carpool	8.8%
Public transit	0.9%
Walk	1.8%
Work from home	8.9%
Other means	1.6%
Avg commute (minutes)	20.0

Poverty

All people 6.6%

Under 18 years 5.1%

18 and over 6.9%

Married-couple families 1.3%

Female-led households 11.2%

Income support

Source	% of households
Social Security	39.1%
Retirement income	32.0%
Supplemental Security	3.3%
Cash public assistance	0.8%
Food stamps / SNAP	7.3%

Health indicators

Condition	%
Obesity	35.7%
High blood pressure	34.6%
High cholesterol	37.6%
Diabetes	10.4%
Heart disease	6.9%
Stroke	3.1%
Asthma	10.6%
Arthritis	30.7%
Kidney disease	3.0%
Pulmonary disease	7.5%
Cancer	7.8%

Behavior / access	%
Smoking	17.2%
Binge drinking	18.4%
No physical activity	18.6%
Less than 7 hrs sleep	31.5%
Depression	21.0%
Fair or poor health	12.9%
Poor mental health	14.9%
Poor physical health	10.3%
No health insurance	7.9%
Visited doctor (checkup)	75.2%
Visited dentist	73.9%
Cholesterol screening	92.7%
Teeth loss	10.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	489	7.1%

Disability	%
Any disability	12.3%
Under 18	3.2%
18–64 years	9.6%
65 and over	24.2%

Health insurance coverage

Type	%
Private insurance	74.8%
Public insurance	40.6%
No insurance	6.8%
Uninsured under 19	2.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	7,963	96.5%
Spanish	96	1.2%
Other Indo-European	58	0.7%
Asian & Pacific Islander	15	0.2%
Other languages	18	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	8,150	98.8%
Born in same state	8,095	98.1%
Born in different state	6,778	82.2%
Foreign born	55	0.7%
Naturalized citizen	100	1.2%
Not a US citizen	83	83.0%

Ancestry

Ancestry	Count	%
French	1,363	16.5%
Italian	1,257	15.2%
Arab	377	4.6%
English	364	4.4%
Polish	110	1.3%

Ancestry	Count	%
German	95	1.2%
Irish	66	0.8%
Norwegian	29	0.4%
Dutch	27	0.3%

Technology access

Metric	% of households
Computer access	47.6%
Internet access	95.8%

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

Frequently asked questions about ZIP code 49712

What city is ZIP code 49712 in?

ZIP code 49712 is primarily assigned to Boyne City, Michigan.

What county is ZIP code 49712 in?

ZIP code 49712 falls within Charlevoix County, Michigan.

Does ZIP code 49712 have an older population?

26% of residents in ZIP code 49712 are 65 or older, above the national average of ~17%.

Is ZIP code 49712 mostly owner-occupied?

82% of occupied units in ZIP code 49712 are owner-occupied, well above the national average.

Does ZIP code 49712 have a large retiree population?

39% of households in ZIP code 49712 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 49712?

ZIP code 49712 has an estimated population of 8,250 residents, with a density of 113 people per square mile.

What timezone is ZIP code 49712 in?

ZIP code 49712 observes the EST timezone.