49635 ZIP Code — Frankfort, MI

Benzie County, Michigan

ZIP code 49635 is located in Frankfort, Michigan, within Benzie County. It covers approximately 38.48 square miles and serves a population of 3,328 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 231.

About ZIP code 49635

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 $314,900. Owner-occupancy is high at 81%, well above the national average.

The gap between median ($64,911) and mean household income suggests income inequality — a small number of higher earners pull the average up. 65% 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 23 minutes is near the national average.

Educational attainment is near the national average, with 43% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 13% of civilians, above the national average of 7%.

Overall, ZIP code 49635 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

3,328

population

38.48

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49635 ZIP code map

Cities in ZIP code 49635

Below are the cities the US Postal Service accepts for ZIP code 49635. Using any city not on this list may result in mail delivery delays.

City	Status
Frankfort	Preferred

Nearby ZIP codes

49616 Benzonia (7.2 mi) 49617 Beulah (8 mi) 49613 Arcadia (8.3 mi) 49640 Honor (8.7 mi) 49614 Bear Lake (14.1 mi) 49683 Thompsonville (14.7 mi) 49630 Empire (16.4 mi) 49650 Lake Ann (17.1 mi) 49643 Interlochen (17.1 mi) 49675 Onekama (17.9 mi) 49645 Kaleva (18.3 mi) 49636 Glen Arbor (19.9 mi)

Demographics updated 05/2026

Population
Total population	3,328
Population density	86 / sq mi
State FIPS	26
County FIPS	019

Geography
Land area	38.48 sq mi
Water area	14.46 sq mi
Latitude	44.6247
Longitude	-86.1894
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	40.8%	40.5%	42.6%
$50k – $100k	32.5%	37.4%	31.1%
$100k – $200k	21.3%	18.5%	20.6%
Over $200k	5.4%	3.6%	5.7%

Demographics & statistics

3,328

Population

People per sq mi

60.6

Median age

$64,911

Median household income

$42,070

Per capita income

$314,900

Median home value

$917

Median monthly rent

80.8%

Home ownership

11.1%

Poverty rate

4.9%

Unemployment

2,787

Housing units

43.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

110

35–44

111

158

45–54

159

141

55–59

143

190

60–64

192

301

65–74

304

255

75–84

258

109

85+

111

← Male

Female →

Age summary

Group	Count	%
Under 18	445	13.4%
18 and over	2,883	86.6%
65 and over	1,338	40.2%
Median age	60.6 years

Race & ethnicity

White 90.4%

Two or more races 3.4%

Hispanic or Latino 2.8%

Black or African American 2.3%

Other race 0.8%

Asian 0.1%

American Indian / Alaska Native 0.1%

Group	Count	%
White	3,094	90.4%
Two or more races	118	3.4%
Hispanic or Latino	96	2.8%
Black or African American	80	2.3%
Other race	26	0.8%
Asian	5	0.1%
American Indian / Alaska Native	5	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	40.8%	40.5%	42.6%
$50k – $100k	32.5%	37.4%	31.1%
$100k – $200k	21.3%	18.5%	20.6%
Over $200k	5.4%	3.6%	5.7%

Under $10k 4.2%

$10k–$15k 2.5%

$15k–$25k 10.1%

$25k–$35k 7.6%

$35k–$50k 12.1%

$50k–$75k 19.3%

$75k–$100k 8.7%

$100k–$150k 18.0%

$150k–$200k 9.1%

$200k+ 8.4%

Range	% of households
Under $10k	4.2%
$10k–$15k	2.5%
$15k–$25k	10.1%
$25k–$35k	7.6%
$35k–$50k	12.1%
$50k–$75k	19.3%
$75k–$100k	8.7%
$100k–$150k	18.0%
$150k–$200k	9.1%
$200k+	8.4%
Median income	$64,911

Housing

Home values

Under $50k 6.8%

$50k–$100k 3.3%

$100k–$150k 7.5%

$150k–$200k 7.9%

$200k–$300k 21.7%

$300k–$500k 30.5%

$500k–$1M 15.6%

$1M+ 6.8%

Housing overview

Metric	Value
Median home value	$314,900
Median rent / month	$917
Owner occupied	80.8%
Renter occupied	19.2%
Vacant	53.9%
Single-family detached	86.8%
Large apartment buildings	3.4%
Mobile homes	2.7%
Median rooms	5.2
Avg household size (owned)	2.27

Year built

Era	%
2020 or later	0.2%
2010–2019	4.6%
2000–2009	10.1%
1990–1999	17.0%
1980–1989	13.8%
1970–1979	13.2%
1960–1969	9.6%
1950–1959	10.4%
1940–1949	9.4%
1939 or earlier	11.6%

Bedrooms

Size	% of units
No bedroom (studio)	1.3%
1 bedroom	8.2%
2 bedrooms	32.4%
3 bedrooms	40.4%
4 bedrooms	15.2%
5+ bedrooms	2.5%

Vehicles per household

Vehicles	% of households
No vehicle	5.6%
1 vehicle	36.8%
2 vehicles	39.1%
3 or more	18.5%

Heating fuel

Fuel type	%
Utility gas	53.8%
Electricity	7.2%
Propane / LP gas	29.8%
Fuel oil	1.8%
Wood	5.9%
No fuel used	0.9%

Households & families

Household type	Count	%
Married-couple family	786	55.8%
Cohabiting couple	33	2.3%
Male householder, no spouse	260	18.5%
Female householder, no spouse	329	23.4%
Households with children under 18	221	15.7%
Households with seniors (65+)	853	60.6%
Average household size	2.21

Marital status

Status	Male	Female
Never married	24.3%	19.7%
Married	55.4%	56.1%
Separated	0.1%	0.4%
Widowed	9.0%	12.8%
Divorced	11.2%	11.0%

Education

Less than 9th grade 3.2%

Some HS, no diploma 4.6%

HS graduate 27.5%

Some college, no degree 15.9%

Associate's degree 5.5%

Bachelor's degree 22.2%

Graduate / professional 21.0%

Metric	%
HS diploma or higher	92.3%
Bachelor's or higher	43.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	29	6.4%
Kindergarten	17	3.8%
Elementary school	140	31.0%
High school	214	47.3%
College / grad school	52	11.5%

Employment

Industry of employment

Education & healthcare 22.7%

Arts, food & hospitality 14.1%

Retail trade 11.9%

Finance & real estate 9.7%

Construction 9.1%

Manufacturing 9.1%

Other services 6.5%

Professional & management 4.7%

Public administration 4.3%

Wholesale trade 3.9%

Transportation & utilities 1.8%

Agriculture & mining 1.7%

Information 0.7%

Occupation

Category	%
Management, business & arts	38.4%
Service	22.5%
Sales & office	20.2%
Natural resources & construction	6.7%
Production & transportation	12.2%

Employment type

Type	%
Private sector	76.3%
Government	14.4%
Self-employed	9.1%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	76.8%
Carpool	4.1%
Public transit	1.0%
Walk	1.9%
Work from home	13.3%
Other means	2.9%
Avg commute (minutes)	22.6

Poverty

All people 11.1%

Under 18 years 11.9%

18 and over 11.0%

Married-couple families 1.7%

Female-led households 35.1%

Income support

Source	% of households
Social Security	64.8%
Retirement income	47.2%
Supplemental Security	5.9%
Cash public assistance	2.9%
Food stamps / SNAP	7.9%

Health indicators

Condition	%
Obesity	35.6%
High blood pressure	41.3%
High cholesterol	40.9%
Diabetes	13.8%
Heart disease	9.8%
Stroke	4.3%
Asthma	10.4%
Arthritis	38.3%
Kidney disease	4.0%
Pulmonary disease	9.6%
Cancer	10.6%

Behavior / access	%
Smoking	16.4%
Binge drinking	14.4%
No physical activity	22.4%
Less than 7 hrs sleep	30.4%
Depression	19.9%
Fair or poor health	16.1%
Poor mental health	13.4%
Poor physical health	12.0%
No health insurance	8.3%
Visited doctor (checkup)	79.6%
Visited dentist	71.7%
Cholesterol screening	94.2%
Teeth loss	12.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	361	12.6%

Disability	%
Any disability	21.7%
Under 18	14.2%
18–64 years	19.8%
65 and over	26.9%

Health insurance coverage

Type	%
Private insurance	69.0%
Public insurance	56.3%
No insurance	3.8%
Uninsured under 19	2.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,214	96.6%
Spanish	12	0.4%
Other Indo-European	0	0.0%
Asian & Pacific Islander	12	0.4%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,265	98.1%
Born in same state	3,252	97.7%
Born in different state	2,332	70.1%
Foreign born	13	0.4%
Naturalized citizen	63	1.9%
Not a US citizen	47	74.6%

Ancestry

Ancestry	Count	%
French	579	17.4%
Italian	351	10.5%
Polish	132	4%
Arab	109	3.3%
English	58	1.7%

Ancestry	Count	%
German	55	1.7%
Dutch	31	0.9%
Irish	4	0.1%
Norwegian	3	0.1%

Technology access

Metric	% of households
Computer access	42.3%
Internet access	94.2%

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

Frequently asked questions about ZIP code 49635

What city is ZIP code 49635 in?

ZIP code 49635 is primarily assigned to Frankfort, Michigan.

What county is ZIP code 49635 in?

ZIP code 49635 falls within Benzie County, Michigan.

Does ZIP code 49635 have an older population?

40% of residents in ZIP code 49635 are 65 or older, above the national average of ~17%.

Does ZIP code 49635 have a large retiree population?

65% of households in ZIP code 49635 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 49635 mostly owner-occupied?

81% of occupied units in ZIP code 49635 are owner-occupied, well above the national average.

Does ZIP code 49635 have a large veteran population?

13% of civilians in ZIP code 49635 are veterans, above the national average of ~7%.

What timezone is ZIP code 49635 in?

ZIP code 49635 observes the EST timezone.