49720 ZIP Code — Charlevoix, MI

Charlevoix County, Michigan

ZIP code 49720 is located in Charlevoix, Michigan, within Charlevoix County. It covers approximately 95.52 square miles and serves a population of 9,109 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 231.

About ZIP code 49720

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $240,900. Owner-occupancy is high at 77%, well above the national average.

The gap between median ($68,545) and mean household income suggests income inequality — a small number of higher earners pull the average up. 41% 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 18 minutes is near the national average.

Educational attainment is near the national average, with 36% of residents holding a bachelor's degree or higher.

Overall, ZIP code 49720 reflects a community defined by high homeownership and a significant Social Security-dependent population.

9,109

population

95.52

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49720 ZIP code map

Cities in ZIP code 49720

Below are the cities the US Postal Service accepts for ZIP code 49720. Using any city not on this list may result in mail delivery delays.

City	Status
Charlevoix	Preferred

Nearby ZIP codes

49729 Ellsworth (8.1 mi) 49712 Boyne City (12 mi) 49727 East Jordan (12.3 mi) 49622 Central Lake (13 mi) 49770 Petoskey (16.3 mi) 49648 Kewadin (18.5 mi) 49713 Boyne Falls (18.9 mi)

Demographics updated 05/2026

Population
Total population	9,109
Population density	95 / sq mi
State FIPS	26
County FIPS	029

Geography
Land area	95.52 sq mi
Water area	29.74 sq mi
Latitude	45.2714
Longitude	-85.2327
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	42.4%	41.1%	42.6%
$50k – $100k	32.5%	36.5%	31.1%
$100k – $200k	18.8%	17.0%	20.6%
Over $200k	6.3%	5.4%	5.7%

Demographics & statistics

9,109

Population

People per sq mi

52.1

Median age

$68,545

Median household income

$46,776

Per capita income

$240,900

Median home value

$914

Median monthly rent

76.9%

Home ownership

10.7%

Poverty rate

3.4%

Unemployment

5,121

Housing units

35.9%

Bachelor's or higher

Age distribution

Male Female

203

Under 5

205

220

5–9

222

197

10–14

199

244

15–19

247

245

20–24

248

386

25–34

391

414

35–44

419

534

45–54

542

352

55–59

356

450

60–64

456

737

65–74

746

419

75–84

424

126

85+

127

← Male

Female →

Age summary

Group	Count	%
Under 18	1,544	17.0%
18 and over	7,565	83.0%
65 and over	2,579	28.3%
Median age	52.1 years

Race & ethnicity

White 91.7%

Two or more races 2.8%

Hispanic or Latino 2%

American Indian / Alaska Native 1.2%

Other race 1%

Black or African American 0.8%

Asian 0.5%

Group	Count	%
White	8,519	91.7%
Two or more races	257	2.8%
Hispanic or Latino	183	2%
American Indian / Alaska Native	108	1.2%
Other race	97	1%
Black or African American	77	0.8%
Asian	49	0.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	42.4%	41.1%	42.6%
$50k – $100k	32.5%	36.5%	31.1%
$100k – $200k	18.8%	17.0%	20.6%
Over $200k	6.3%	5.4%	5.7%

Under $10k 2.9%

$10k–$15k 4.2%

$15k–$25k 12.3%

$25k–$35k 7.1%

$35k–$50k 10.6%

$50k–$75k 18.4%

$75k–$100k 12.1%

$100k–$150k 15.9%

$150k–$200k 8.2%

$200k+ 8.3%

Range	% of households
Under $10k	2.9%
$10k–$15k	4.2%
$15k–$25k	12.3%
$25k–$35k	7.1%
$35k–$50k	10.6%
$50k–$75k	18.4%
$75k–$100k	12.1%
$100k–$150k	15.9%
$150k–$200k	8.2%
$200k+	8.3%
Median income	$68,545

Housing

Home values

Under $50k 6.8%

$50k–$100k 4.6%

$100k–$150k 8.8%

$150k–$200k 17.5%

$200k–$300k 25.1%

$300k–$500k 23.0%

$500k–$1M 10.5%

$1M+ 3.7%

Housing overview

Metric	Value
Median home value	$240,900
Median rent / month	$914
Owner occupied	76.9%
Renter occupied	23.1%
Vacant	27.9%
Single-family detached	74.7%
Large apartment buildings	4.3%
Mobile homes	7.6%
Median rooms	6.1
Avg household size (owned)	2.07

Year built

Era	%
2020 or later	0.1%
2010–2019	4.0%
2000–2009	10.3%
1990–1999	14.7%
1980–1989	18.4%
1970–1979	15.5%
1960–1969	10.3%
1950–1959	4.9%
1940–1949	8.3%
1939 or earlier	13.3%

Bedrooms

Size	% of units
No bedroom (studio)	1.2%
1 bedroom	8.2%
2 bedrooms	21.5%
3 bedrooms	43.5%
4 bedrooms	18.2%
5+ bedrooms	7.5%

Vehicles per household

Vehicles	% of households
No vehicle	6.6%
1 vehicle	33.2%
2 vehicles	38.9%
3 or more	21.3%

Heating fuel

Fuel type	%
Utility gas	60.4%
Electricity	9.6%
Propane / LP gas	20.8%
Fuel oil	1.0%
Wood	5.8%
Solar	0.1%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	2,252	50.8%
Cohabiting couple	254	5.7%
Male householder, no spouse	750	16.9%
Female householder, no spouse	1,178	26.6%
Households with children under 18	963	21.7%
Households with seniors (65+)	1,726	38.9%
Average household size	2.02

Marital status

Status	Male	Female
Never married	21.8%	21.4%
Married	63.1%	55.8%
Separated	0.1%	0.4%
Widowed	3.1%	9.9%
Divorced	12.0%	12.5%

Education

Less than 9th grade 1.4%

Some HS, no diploma 2.7%

HS graduate 24.4%

Some college, no degree 24.7%

Associate's degree 10.9%

Bachelor's degree 22.6%

Graduate / professional 13.3%

Metric	%
HS diploma or higher	95.9%
Bachelor's or higher	35.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	161	10.6%
Kindergarten	83	5.5%
Elementary school	642	42.2%
High school	399	26.2%
College / grad school	236	15.5%

Employment

Industry of employment

Education & healthcare 22.9%

Manufacturing 19.2%

Arts, food & hospitality 14.5%

Professional & management 9.4%

Retail trade 8.5%

Construction 7.1%

Finance & real estate 4.6%

Public administration 4.2%

Other services 3.6%

Transportation & utilities 2.9%

Agriculture & mining 1.5%

Wholesale trade 1.1%

Information 0.4%

Occupation

Category	%
Management, business & arts	33.2%
Service	22.4%
Sales & office	19.5%
Natural resources & construction	10.8%
Production & transportation	14.1%

Employment type

Type	%
Private sector	82.5%
Government	10.8%
Self-employed	6.6%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	74.3%
Carpool	10.5%
Public transit	1.2%
Walk	2.5%
Work from home	9.2%
Other means	2.3%
Avg commute (minutes)	18.0

Poverty

All people 10.7%

Under 18 years 17.6%

18 and over 9.4%

Married-couple families 1.6%

Female-led households 39.1%

Income support

Source	% of households
Social Security	41.1%
Retirement income	33.4%
Supplemental Security	3.5%
Cash public assistance	2.9%
Food stamps / SNAP	7.6%

Health indicators

Condition	%
Obesity	36.1%
High blood pressure	36.3%
High cholesterol	38.4%
Diabetes	11.2%
Heart disease	7.5%
Stroke	3.4%
Asthma	10.7%
Arthritis	32.4%
Kidney disease	3.2%
Pulmonary disease	8.0%
Cancer	8.2%

Behavior / access	%
Smoking	17.1%
Binge drinking	17.5%
No physical activity	19.3%
Less than 7 hrs sleep	31.4%
Depression	20.9%
Fair or poor health	13.8%
Poor mental health	14.8%
Poor physical health	10.8%
No health insurance	7.8%
Visited doctor (checkup)	76.1%
Visited dentist	73.5%
Cholesterol screening	93.1%
Teeth loss	10.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	688	9.1%

Disability	%
Any disability	14.6%
Under 18	2.0%
18–64 years	12.7%
65 and over	26.0%

Health insurance coverage

Type	%
Private insurance	69.6%
Public insurance	45.7%
No insurance	6.8%
Uninsured under 19	1.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	8,701	95.5%
Spanish	82	0.9%
Other Indo-European	43	0.5%
Asian & Pacific Islander	22	0.3%
Other languages	14	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	8,865	97.3%
Born in same state	8,797	96.6%
Born in different state	6,967	76.5%
Foreign born	68	0.7%
Naturalized citizen	244	2.7%
Not a US citizen	150	61.5%

Ancestry

Ancestry	Count	%
French	1,797	19.7%
Italian	1,419	15.6%
Arab	553	6.1%
English	494	5.4%
Polish	172	1.9%

Ancestry	Count	%
German	135	1.5%
Irish	66	0.7%
Dutch	26	0.3%
Norwegian	23	0.3%

Technology access

Metric	% of households
Computer access	48.7%
Internet access	91.8%

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

Frequently asked questions about ZIP code 49720

What city is ZIP code 49720 in?

ZIP code 49720 is primarily assigned to Charlevoix, Michigan.

What county is ZIP code 49720 in?

ZIP code 49720 falls within Charlevoix County, Michigan.

Does ZIP code 49720 have an older population?

28% of residents in ZIP code 49720 are 65 or older, above the national average of ~17%.

Does ZIP code 49720 have a large retiree population?

41% of households in ZIP code 49720 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 49720 have a large veteran population?

9% of civilians in ZIP code 49720 are veterans, above the national average of ~7%.

What is the population of ZIP code 49720?

ZIP code 49720 has an estimated population of 9,109 residents, with a density of 95 people per square mile.

What timezone is ZIP code 49720 in?

ZIP code 49720 observes the EST timezone.