49320 ZIP Code — Chippewa Lake, MI

Mecosta County, Michigan

ZIP code 49320 is located in Chippewa Lake, Michigan, within Mecosta County. It covers approximately 1.13 square miles and serves a population of 239 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 231.

About ZIP code 49320

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 $124,500. Owner-occupancy sits near the national average at 56%.

Median household income is $66,696. The poverty rate of 6% is below the national average. 45% 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. An above-average commute of 35 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 22% of residents holding a bachelor's degree or higher.

18% of residents lack health insurance, above the national average.

239

population

1.13

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49320 ZIP code map

Cities in ZIP code 49320

Below are the cities the US Postal Service accepts for ZIP code 49320. Using any city not on this list may result in mail delivery delays.

City	Status
Chippewa Lake	Acceptable

Demographics updated 06/2026

Population
Total population	239
Population density	212 / sq mi
State FIPS	26
County FIPS	107

Geography
Land area	1.13 sq mi
Water area	1.22 sq mi
Latitude	43.7439
Longitude	-85.2973
Timezone	Eastern (ET)
Area code	231

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.0%	53.6%	42.6%
$50k – $100k	21.4%	29.5%	31.1%
$100k – $200k	28.6%	14.7%	20.6%
Over $200k	0.0%	2.3%	5.7%

Demographics & statistics

239

Population

212

People per sq mi

28.0

Median age

$66,696

Median household income

$33,700

Per capita income

$124,500

Median home value

$1,037

Median monthly rent

56.2%

Home ownership

5.9%

Poverty rate

17.2%

Unemployment

259

Housing units

22.4%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

← Male

Female →

Age summary

Group	Count	%
Under 18	15	6.3%
18 and over	224	93.7%
65 and over	50	20.9%
Median age	28.0 years

Race & ethnicity

White 76.8%

Two or more races 10.6%

Black or African American 6.7%

Hispanic or Latino 5.9%

Group	Count	%
White	195	76.8%
Two or more races	27	10.6%
Black or African American	17	6.7%
Hispanic or Latino	15	5.9%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.0%	53.6%	42.6%
$50k – $100k	21.4%	29.5%	31.1%
$100k – $200k	28.6%	14.7%	20.6%
Over $200k	0.0%	2.3%	5.7%

$25k–$35k 13.3%

$35k–$50k 16.2%

$50k–$75k 24.8%

$75k–$100k 25.7%

$100k–$150k 16.2%

$150k–$200k 3.8%

Range	% of households
$25k–$35k	13.3%
$35k–$50k	16.2%
$50k–$75k	24.8%
$75k–$100k	25.7%
$100k–$150k	16.2%
$150k–$200k	3.8%
Median income	$66,696

Housing

Home values

Under $50k 6.8%

$100k–$150k 59.3%

$150k–$200k 16.9%

$200k–$300k 6.8%

$300k–$500k 10.2%

Housing overview

Metric	Value
Median home value	$124,500
Median rent / month	$1,037
Owner occupied	56.2%
Renter occupied	43.8%
Vacant	65.6%
Single-family detached	79.3%
Large apartment buildings	0.0%
Mobile homes	15.4%
Median rooms	4.8
Avg household size (owned)	2.02

Year built

Era	%
2020 or later	0.0%
2010–2019	3.3%
2000–2009	18.0%
1990–1999	17.0%
1980–1989	11.1%
1970–1979	34.8%
1960–1969	11.8%
1950–1959	2.6%
1940–1949	0.0%
1939 or earlier	1.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	3.9%
2 bedrooms	65.6%
3 bedrooms	25.9%
4 bedrooms	4.6%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	23.8%
2 vehicles	33.3%
3 or more	42.9%

Heating fuel

Fuel type	%
Utility gas	80.0%
Wood	20.0%

Households & families

Household type	Count	%
Married-couple family	35	33.3%
Cohabiting couple	28	26.7%
Male householder, no spouse	19	18.1%
Female householder, no spouse	23	21.9%
Households with children under 18	15	14.3%
Households with seniors (65+)	29	27.6%
Average household size	2.28

Marital status

Status	Male	Female
Never married	58.9%	37.0%
Married	27.4%	37.0%
Separated	0.0%	0.0%
Widowed	2.4%	10.0%
Divorced	11.3%	16.0%

Education

Less than 9th grade 0.0%

Some HS, no diploma 14.5%

HS graduate 24.8%

Some college, no degree 33.9%

Associate's degree 4.2%

Bachelor's degree 11.5%

Graduate / professional 10.9%

Metric	%
HS diploma or higher	85.5%
Bachelor's or higher	22.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	3	100.0%
Elementary school	0	0.0%
High school	0	0.0%
College / grad school	0	0.0%

Employment

Industry of employment

Education & healthcare 51.2%

Manufacturing 19.2%

Other services 16.8%

Professional & management 5.6%

Construction 4.0%

Finance & real estate 3.2%

Occupation

Category	%
Management, business & arts	36.8%
Service	23.2%
Sales & office	0.0%
Natural resources & construction	20.8%
Production & transportation	19.2%

Employment type

Type	%
Private sector	94.4%
Government	0.0%
Self-employed	2.4%
Unpaid family workers	3.2%

Commute

Method	%
Drive alone	91.2%
Carpool	0.0%
Public transit	0.0%
Walk	3.2%
Work from home	5.6%
Other means	0.0%
Avg commute (minutes)	35.2

Poverty

All people 5.9%

Under 18 years 0.0%

18 and over 6.3%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	44.8%
Retirement income	44.8%
Supplemental Security	0.0%
Cash public assistance	0.0%
Food stamps / SNAP	0.0%

Health indicators

Condition	%
Obesity	0.0%
High blood pressure	0.0%
High cholesterol	0.0%
Diabetes	0.0%
Heart disease	0.0%
Stroke	0.0%
Asthma	0.0%
Arthritis	0.0%
Kidney disease	0.0%
Pulmonary disease	0.0%
Cancer	0.0%

Behavior / access	%
Smoking	0.0%
Binge drinking	0.0%
No physical activity	0.0%
Less than 7 hrs sleep	0.0%
Depression	0.0%
Fair or poor health	0.0%
Poor mental health	0.0%
Poor physical health	0.0%
No health insurance	0.0%
Visited doctor (checkup)	0.0%
Visited dentist	0.0%
Cholesterol screening	0.0%
Teeth loss	0.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	17	7.6%

Disability	%
Any disability	20.5%
Under 18	0.0%
18–64 years	19.0%
65 and over	32.0%

Health insurance coverage

Type	%
Private insurance	64.4%
Public insurance	46.0%
No insurance	18.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	227	95.0%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	239	100.0%
Born in same state	239	100.0%
Born in different state	203	84.9%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Italian	58	24.3%
French	55	23%
Arab	14	5.9%

Ancestry	Count	%
Dutch	8	3.3%
English	6	2.5%
Polish	3	1.3%

Technology access

Metric	% of households
Computer access	43.9%
Internet access	97.1%

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

Frequently asked questions about ZIP code 49320

What city is ZIP code 49320 in?

ZIP code 49320 is primarily assigned to Chippewa Lake, Michigan.

What county is ZIP code 49320 in?

ZIP code 49320 falls within Mecosta County, Michigan.

Does ZIP code 49320 have a large retiree population?

45% of households in ZIP code 49320 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 49320?

The median home value in ZIP code 49320 is $124,500.

What is the population of ZIP code 49320?

ZIP code 49320 has an estimated population of 239 residents, with a density of 211 people per square mile.

What is the median household income in ZIP code 49320?

The median household income in ZIP code 49320 is $66,696, below the national median of ~$75,000.

What timezone is ZIP code 49320 in?

ZIP code 49320 observes the EST timezone.