49738 ZIP Code — Grayling, MI

Crawford County, Michigan

ZIP code 49738 is located in Grayling, Michigan, within Crawford County. It covers approximately 332.64 square miles and serves a population of 9,567 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 989.

About ZIP code 49738

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 $140,500. Owner-occupancy is high at 80%, well above the national average.

Median household income is $57,120. 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 22 minutes is near the national average.

College attainment at 21% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (21%) compared to national benchmarks.

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

Overall, ZIP code 49738 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

9,567

population

332.64

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49738 ZIP code map

Cities in ZIP code 49738

Below are the cities the US Postal Service accepts for ZIP code 49738. Using any city not on this list may result in mail delivery delays.

City	Status
Grayling	Preferred

Nearby ZIP codes

49739 Grayling (4.8 mi) 49733 Frederic (6.2 mi) 48653 Roscommon (16.2 mi) 49735 Gaylord (19.2 mi)

Demographics updated 07/2026

Population
Total population	9,567
Population density	29 / sq mi
State FIPS	26
County FIPS	039

Geography
Land area	332.64 sq mi
Water area	5.89 sq mi
Latitude	44.7136
Longitude	-84.6505
Timezone	Eastern (ET)
Area code	989

Total population by age

Gender

Race & ethnicity

Economics updated 07/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.2%	50.0%	42.6%
$50k – $100k	35.3%	36.3%	31.1%
$100k – $200k	13.0%	12.4%	20.6%
Over $200k	1.5%	1.3%	5.7%

Demographics & statistics

9,567

Population

People per sq mi

50.9

Median age

$57,120

Median household income

$30,469

Per capita income

$140,500

Median home value

$863

Median monthly rent

79.6%

Home ownership

13.2%

Poverty rate

5.6%

Unemployment

6,393

Housing units

20.6%

Bachelor's or higher

Age distribution

Male Female

269

Under 5

259

297

5–9

286

207

10–14

200

255

15–19

246

193

20–24

186

508

25–34

490

426

35–44

411

562

45–54

542

340

55–59

328

552

60–64

533

752

65–74

726

375

75–84

362

133

85+

129

← Male

Female →

Age summary

Group	Count	%
Under 18	1,832	19.1%
18 and over	7,735	80.9%
65 and over	2,477	25.9%
Median age	50.9 years

Race & ethnicity

White 90.7%

Two or more races 3.9%

Hispanic or Latino 2.9%

Other race 1.2%

Asian 1%

Black or African American 0.3%

Group	Count	%
White	8,930	90.7%
Two or more races	386	3.9%
Hispanic or Latino	282	2.9%
Other race	116	1.2%
Asian	103	1%
Black or African American	30	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.2%	50.0%	42.6%
$50k – $100k	35.3%	36.3%	31.1%
$100k – $200k	13.0%	12.4%	20.6%
Over $200k	1.5%	1.3%	5.7%

Under $10k 5.2%

$10k–$15k 4.9%

$15k–$25k 12.6%

$25k–$35k 7.9%

$35k–$50k 13.6%

$50k–$75k 18.4%

$75k–$100k 13.3%

$100k–$150k 17.2%

$150k–$200k 4.6%

$200k+ 2.2%

Range	% of households
Under $10k	5.2%
$10k–$15k	4.9%
$15k–$25k	12.6%
$25k–$35k	7.9%
$35k–$50k	13.6%
$50k–$75k	18.4%
$75k–$100k	13.3%
$100k–$150k	17.2%
$150k–$200k	4.6%
$200k+	2.2%
Median income	$57,120

Housing

Home values

Under $50k 7.6%

$50k–$100k 20.7%

$100k–$150k 25.9%

$150k–$200k 12.4%

$200k–$300k 19.4%

$300k–$500k 10.8%

$500k–$1M 2.9%

$1M+ 0.3%

Housing overview

Metric	Value
Median home value	$140,500
Median rent / month	$863
Owner occupied	79.6%
Renter occupied	20.4%
Vacant	41.6%
Single-family detached	84.7%
Large apartment buildings	1.0%
Mobile homes	10.8%
Median rooms	4.7
Avg household size (owned)	2.29

Year built

Era	%
2020 or later	0.2%
2010–2019	1.3%
2000–2009	10.1%
1990–1999	18.2%
1980–1989	13.9%
1970–1979	21.7%
1960–1969	12.6%
1950–1959	8.8%
1940–1949	7.4%
1939 or earlier	5.9%

Bedrooms

Size	% of units
No bedroom (studio)	3.5%
1 bedroom	6.1%
2 bedrooms	34.9%
3 bedrooms	41.4%
4 bedrooms	10.8%
5+ bedrooms	3.3%

Vehicles per household

Vehicles	% of households
No vehicle	7.2%
1 vehicle	31.6%
2 vehicles	41.8%
3 or more	19.4%

Heating fuel

Fuel type	%
Utility gas	40.5%
Electricity	8.4%
Propane / LP gas	38.7%
Wood	9.7%
No fuel used	0.5%

Households & families

Household type	Count	%
Married-couple family	2,062	48.7%
Cohabiting couple	317	7.5%
Male householder, no spouse	896	21.1%
Female householder, no spouse	963	22.7%
Households with children under 18	970	22.9%
Households with seniors (65+)	1,689	39.9%
Average household size	2.21

Marital status

Status	Male	Female
Never married	28.5%	19.0%
Married	52.0%	54.2%
Separated	0.2%	0.6%
Widowed	5.7%	11.9%
Divorced	13.6%	14.2%

Education

Less than 9th grade 1.4%

Some HS, no diploma 8.0%

HS graduate 30.4%

Some college, no degree 28.0%

Associate's degree 11.6%

Bachelor's degree 12.7%

Graduate / professional 7.9%

Metric	%
HS diploma or higher	90.7%
Bachelor's or higher	20.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	145	9.1%
Kindergarten	102	6.4%
Elementary school	730	45.7%
High school	419	26.2%
College / grad school	201	12.6%

Employment

Industry of employment

Education & healthcare 20.7%

Retail trade 13.4%

Manufacturing 12.8%

Arts, food & hospitality 11.9%

Public administration 9.2%

Professional & management 8.0%

Finance & real estate 5.6%

Construction 5.4%

Transportation & utilities 3.9%

Other services 3.8%

Wholesale trade 2.2%

Agriculture & mining 1.8%

Information 1.2%

Occupation

Category	%
Management, business & arts	32.1%
Service	20.4%
Sales & office	23.4%
Natural resources & construction	8.9%
Production & transportation	15.1%

Employment type

Type	%
Private sector	77.3%
Government	15.7%
Self-employed	6.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	80.7%
Carpool	9.3%
Public transit	1.6%
Walk	2.6%
Work from home	4.7%
Other means	1.0%
Avg commute (minutes)	22.0

Poverty

All people 13.2%

Under 18 years 16.9%

18 and over 12.3%

Married-couple families 4.6%

Female-led households 21.4%

Income support

Source	% of households
Social Security	49.6%
Retirement income	38.7%
Supplemental Security	5.0%
Cash public assistance	3.1%
Food stamps / SNAP	12.7%

Health indicators

Condition	%
Obesity	37.3%
High blood pressure	39.4%
High cholesterol	39.3%
Diabetes	13.1%
Heart disease	8.7%
Stroke	4.0%
Asthma	11.2%
Arthritis	34.7%
Kidney disease	3.6%
Pulmonary disease	10.1%
Cancer	8.3%

Behavior / access	%
Smoking	21.4%
Binge drinking	17.8%
No physical activity	23.0%
Less than 7 hrs sleep	31.9%
Depression	22.1%
Fair or poor health	17.2%
Poor mental health	16.0%
Poor physical health	12.8%
No health insurance	9.5%
Visited doctor (checkup)	76.3%
Visited dentist	66.3%
Cholesterol screening	92.0%
Teeth loss	14.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	965	12.5%

Disability	%
Any disability	21.3%
Under 18	3.6%
18–64 years	19.6%
65 and over	38.4%

Health insurance coverage

Type	%
Private insurance	65.3%
Public insurance	54.7%
No insurance	6.2%
Uninsured under 19	4.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	9,039	94.5%
Spanish	27	0.3%
Other Indo-European	2	0.0%
Asian & Pacific Islander	25	0.3%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	9,444	98.7%
Born in same state	9,413	98.4%
Born in different state	7,939	83.0%
Foreign born	31	0.3%
Naturalized citizen	123	1.3%
Not a US citizen	84	68.3%

Ancestry

Ancestry	Count	%
Italian	1,540	16.1%
French	1,354	14.2%
Arab	647	6.8%
English	288	3%
German	228	2.4%

Ancestry	Count	%
Irish	97	1%
Polish	75	0.8%
Norwegian	54	0.6%
Dutch	53	0.6%

Technology access

Metric	% of households
Computer access	44.3%
Internet access	90.8%

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

Frequently asked questions about ZIP code 49738

What city is ZIP code 49738 in?

ZIP code 49738 is primarily assigned to Grayling, Michigan.

What county is ZIP code 49738 in?

ZIP code 49738 falls within Crawford County, Michigan.

Does ZIP code 49738 have an older population?

26% of residents in ZIP code 49738 are 65 or older, above the national average of ~17%.

Does ZIP code 49738 have a large retiree population?

50% of households in ZIP code 49738 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 49738 have a large veteran population?

13% of civilians in ZIP code 49738 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 49738?

The median home value in ZIP code 49738 is $140,500.

What timezone is ZIP code 49738 in?

ZIP code 49738 observes the EST timezone.