49721 ZIP Code — Cheboygan, MI

Cheboygan County, Michigan

ZIP code 49721 is located in Cheboygan, Michigan, within Cheboygan County. It covers approximately 266.75 square miles and serves a population of 14,034 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 231.

About ZIP code 49721

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 $161,200. Owner-occupancy is high at 83%, well above the national average.

Median household income is $58,163. 50% 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 21 minutes is near the national average.

Educational attainment is near the national average, with 21% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (22%) compared to national benchmarks.

Overall, ZIP code 49721 reflects a community defined by high homeownership and a significant Social Security-dependent population.

14,034

population

266.75

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49721 ZIP code map

Cities in ZIP code 49721

Below are the cities the US Postal Service accepts for ZIP code 49721. Using any city not on this list may result in mail delivery delays.

City	Status
Cheboygan	Preferred

Nearby ZIP codes

49749 Indian River (11.6 mi) 49775 Pointe Aux Pins (13.4 mi) 49706 Alanson (17.2 mi) 49705 Afton (17.5 mi) 49755 Levering (18 mi) 49701 Mackinaw City (18.7 mi) 49765 Onaway (18.8 mi) 49769 Pellston (18.9 mi)

Demographics updated 05/2026

Population
Total population	14,034
Population density	53 / sq mi
State FIPS	26
County FIPS	031

Geography
Land area	266.75 sq mi
Water area	38.36 sq mi
Latitude	45.5755
Longitude	-84.4681
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	52.7%	51.3%	42.6%
$50k – $100k	32.6%	34.0%	31.1%
$100k – $200k	13.1%	12.5%	20.6%
Over $200k	1.6%	2.2%	5.7%

Demographics & statistics

14,034

Population

People per sq mi

52.2

Median age

$58,163

Median household income

$32,149

Per capita income

$161,200

Median home value

$779

Median monthly rent

83.3%

Home ownership

10.1%

Poverty rate

6.7%

Unemployment

7,682

Housing units

21.4%

Bachelor's or higher

Age distribution

Male Female

264

Under 5

262

284

5–9

283

307

10–14

306

326

15–19

324

338

20–24

337

741

25–34

738

672

35–44

669

928

45–54

923

548

55–59

546

571

60–64

568

1,287

65–74

1,280

579

75–84

576

189

85+

188

← Male

Female →

Age summary

Group	Count	%
Under 18	2,130	15.2%
18 and over	11,904	84.8%
65 and over	4,099	29.2%
Median age	52.2 years

Race & ethnicity

White 91.4%

Two or more races 3.7%

American Indian / Alaska Native 2.2%

Hispanic or Latino 1.2%

Black or African American 0.8%

Asian 0.5%

Other race 0.3%

Group	Count	%
White	12,980	91.4%
Two or more races	529	3.7%
American Indian / Alaska Native	306	2.2%
Hispanic or Latino	165	1.2%
Black or African American	115	0.8%
Asian	64	0.5%
Other race	37	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	52.7%	51.3%	42.6%
$50k – $100k	32.6%	34.0%	31.1%
$100k – $200k	13.1%	12.5%	20.6%
Over $200k	1.6%	2.2%	5.7%

Under $10k 3.2%

$10k–$15k 5.7%

$15k–$25k 8.2%

$25k–$35k 10.0%

$35k–$50k 14.7%

$50k–$75k 22.6%

$75k–$100k 14.6%

$100k–$150k 12.5%

$150k–$200k 4.2%

$200k+ 4.3%

Range	% of households
Under $10k	3.2%
$10k–$15k	5.7%
$15k–$25k	8.2%
$25k–$35k	10.0%
$35k–$50k	14.7%
$50k–$75k	22.6%
$75k–$100k	14.6%
$100k–$150k	12.5%
$150k–$200k	4.2%
$200k+	4.3%
Median income	$58,163

Housing

Home values

Under $50k 7.7%

$50k–$100k 17.9%

$100k–$150k 20.2%

$150k–$200k 17.3%

$200k–$300k 16.7%

$300k–$500k 13.1%

$500k–$1M 5.0%

$1M+ 2.1%

Housing overview

Metric	Value
Median home value	$161,200
Median rent / month	$779
Owner occupied	83.3%
Renter occupied	16.7%
Vacant	34.0%
Single-family detached	84.2%
Large apartment buildings	0.6%
Mobile homes	7.7%
Median rooms	5.6
Avg household size (owned)	2.43

Year built

Era	%
2020 or later	0.0%
2010–2019	2.9%
2000–2009	13.2%
1990–1999	19.0%
1980–1989	12.2%
1970–1979	14.0%
1960–1969	12.3%
1950–1959	9.2%
1940–1949	5.1%
1939 or earlier	12.1%

Bedrooms

Size	% of units
No bedroom (studio)	1.3%
1 bedroom	7.4%
2 bedrooms	24.3%
3 bedrooms	46.9%
4 bedrooms	14.0%
5+ bedrooms	6.1%

Vehicles per household

Vehicles	% of households
No vehicle	6.0%
1 vehicle	34.5%
2 vehicles	39.6%
3 or more	19.8%

Heating fuel

Fuel type	%
Utility gas	68.8%
Electricity	6.8%
Propane / LP gas	16.0%
Fuel oil	0.7%
Wood	6.5%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	3,114	54.7%
Cohabiting couple	257	4.5%
Male householder, no spouse	1,055	18.5%
Female householder, no spouse	1,270	22.3%
Households with children under 18	1,147	20.1%
Households with seniors (65+)	2,646	46.5%
Average household size	2.42

Marital status

Status	Male	Female
Never married	27.9%	20.2%
Married	55.3%	53.6%
Separated	0.6%	1.5%
Widowed	3.9%	10.6%
Divorced	12.3%	14.2%

Education

Less than 9th grade 2.1%

Some HS, no diploma 8.4%

HS graduate 34.6%

Some college, no degree 22.3%

Associate's degree 11.2%

Bachelor's degree 13.3%

Graduate / professional 8.2%

Metric	%
HS diploma or higher	89.5%
Bachelor's or higher	21.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	117	5.1%
Kindergarten	166	7.3%
Elementary school	909	40.0%
High school	542	23.8%
College / grad school	540	23.7%

Employment

Industry of employment

Education & healthcare 20.3%

Retail trade 18.4%

Arts, food & hospitality 10.6%

Construction 9.6%

Manufacturing 8.6%

Finance & real estate 6.8%

Professional & management 6.6%

Transportation & utilities 5.2%

Public administration 5.0%

Other services 4.6%

Wholesale trade 1.8%

Agriculture & mining 1.5%

Information 1.0%

Occupation

Category	%
Management, business & arts	26.0%
Service	17.8%
Sales & office	24.3%
Natural resources & construction	13.5%
Production & transportation	18.3%

Employment type

Type	%
Private sector	79.8%
Government	13.9%
Self-employed	6.2%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	75.3%
Carpool	11.7%
Public transit	1.0%
Walk	1.4%
Work from home	8.6%
Other means	1.9%
Avg commute (minutes)	21.4

Poverty

All people 10.1%

Under 18 years 17.2%

18 and over 8.8%

Married-couple families 5.1%

Female-led households 8.4%

Income support

Source	% of households
Social Security	50.0%
Retirement income	36.6%
Supplemental Security	6.3%
Cash public assistance	3.1%
Food stamps / SNAP	13.1%

Health indicators

Condition	%
Obesity	39.7%
High blood pressure	37.6%
High cholesterol	38.1%
Diabetes	13.0%
Heart disease	8.8%
Stroke	4.0%
Asthma	11.3%
Arthritis	35.3%
Kidney disease	3.6%
Pulmonary disease	9.9%
Cancer	8.3%

Behavior / access	%
Smoking	21.9%
Binge drinking	17.4%
No physical activity	22.6%
Less than 7 hrs sleep	33.5%
Depression	21.9%
Fair or poor health	17.4%
Poor mental health	16.0%
Poor physical health	12.8%
No health insurance	9.5%
Visited doctor (checkup)	76.3%
Visited dentist	66.0%
Cholesterol screening	92.0%
Teeth loss	14.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,147	9.7%

Disability	%
Any disability	18.3%
Under 18	6.7%
18–64 years	13.7%
65 and over	33.3%

Health insurance coverage

Type	%
Private insurance	64.1%
Public insurance	54.1%
No insurance	5.4%
Uninsured under 19	4.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	13,508	96.3%
Spanish	126	0.9%
Other Indo-European	81	0.6%
Asian & Pacific Islander	15	0.1%
Other languages	18	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	13,750	98.0%
Born in same state	13,685	97.5%
Born in different state	11,924	85.0%
Foreign born	65	0.5%
Naturalized citizen	284	2.0%
Not a US citizen	192	67.6%

Ancestry

Ancestry	Count	%
Italian	2,029	14.5%
French	1,501	10.7%
Arab	700	5%
German	574	4.1%
English	334	2.4%

Ancestry	Count	%
Polish	150	1.1%
Irish	113	0.8%
Dutch	64	0.5%
Norwegian	1	0%

Technology access

Metric	% of households
Computer access	40.6%
Internet access	89.4%

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

Frequently asked questions about ZIP code 49721

What city is ZIP code 49721 in?

ZIP code 49721 is primarily assigned to Cheboygan, Michigan.

What county is ZIP code 49721 in?

ZIP code 49721 falls within Cheboygan County, Michigan.

Does ZIP code 49721 have an older population?

29% of residents in ZIP code 49721 are 65 or older, above the national average of ~17%.

Does ZIP code 49721 have a large retiree population?

50% of households in ZIP code 49721 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 49721 mostly owner-occupied?

83% of occupied units in ZIP code 49721 are owner-occupied, well above the national average.

Does ZIP code 49721 have a large veteran population?

10% of civilians in ZIP code 49721 are veterans, above the national average of ~7%.

What timezone is ZIP code 49721 in?

ZIP code 49721 observes the EST timezone.