49640 ZIP Code — Honor, MI

Benzie County, Michigan

ZIP code 49640 is located in Honor, Michigan, within Benzie County. It covers approximately 64.04 square miles and serves a population of 1,255 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 231.

About ZIP code 49640

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 $292,000. Owner-occupancy is high at 93%, well above the national average.

Median household income is $76,167. 56% 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 27 minutes is near the national average.

Educational attainment is near the national average, with 37% of residents holding a bachelor's degree or higher.

Overall, ZIP code 49640 reflects a community defined by high homeownership and a significant Social Security-dependent population.

1,255

population

64.04

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49640 ZIP code map

Cities in ZIP code 49640

Below are the cities the US Postal Service accepts for ZIP code 49640. Using any city not on this list may result in mail delivery delays.

City	Status
Honor	Preferred

Nearby ZIP codes

49617 Beulah (6 mi) 49630 Empire (8 mi) 49635 Frankfort (8.7 mi) 49650 Lake Ann (9.2 mi) 49616 Benzonia (9.3 mi) 49636 Glen Arbor (11.8 mi) 49643 Interlochen (12.2 mi) 49664 Maple City (13.8 mi) 49683 Thompsonville (14.3 mi) 49613 Arcadia (15.8 mi) 49684 Traverse City (17.3 mi) 49621 Cedar (18.2 mi)

Demographics updated 05/2026

Population
Total population	1,255
Population density	20 / sq mi
State FIPS	26
County FIPS	019

Geography
Land area	64.04 sq mi
Water area	9.51 sq mi
Latitude	44.7126
Longitude	-86.0628
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	47.3%	40.5%	42.6%
$50k – $100k	27.7%	37.4%	31.1%
$100k – $200k	17.8%	18.5%	20.6%
Over $200k	7.1%	3.6%	5.7%

Demographics & statistics

1,255

Population

People per sq mi

59.1

Median age

$76,167

Median household income

$44,161

Per capita income

$292,000

Median home value

$825

Median monthly rent

92.5%

Home ownership

8.5%

Poverty rate

6.4%

Unemployment

1,174

Housing units

37.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

140

65–74

141

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	155	12.4%
18 and over	1,100	87.6%
65 and over	426	33.9%
Median age	59.1 years

Race & ethnicity

White 91.7%

Two or more races 3.6%

Hispanic or Latino 3.2%

American Indian / Alaska Native 1.2%

Other race 0.4%

Group	Count	%
White	1,188	91.7%
Two or more races	47	3.6%
Hispanic or Latino	41	3.2%
American Indian / Alaska Native	15	1.2%
Other race	5	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	47.3%	40.5%	42.6%
$50k – $100k	27.7%	37.4%	31.1%
$100k – $200k	17.8%	18.5%	20.6%
Over $200k	7.1%	3.6%	5.7%

Under $10k 5.0%

$10k–$15k 3.1%

$15k–$25k 5.0%

$25k–$35k 7.9%

$35k–$50k 13.8%

$50k–$75k 14.0%

$75k–$100k 15.8%

$100k–$150k 19.9%

$150k–$200k 7.5%

$200k+ 8.1%

Range	% of households
Under $10k	5.0%
$10k–$15k	3.1%
$15k–$25k	5.0%
$25k–$35k	7.9%
$35k–$50k	13.8%
$50k–$75k	14.0%
$75k–$100k	15.8%
$100k–$150k	19.9%
$150k–$200k	7.5%
$200k+	8.1%
Median income	$76,167

Housing

Home values

Under $50k 2.2%

$50k–$100k 5.8%

$100k–$150k 9.1%

$150k–$200k 12.5%

$200k–$300k 21.9%

$300k–$500k 28.6%

$500k–$1M 16.7%

$1M+ 3.2%

Housing overview

Metric	Value
Median home value	$292,000
Median rent / month	$825
Owner occupied	92.5%
Renter occupied	7.5%
Vacant	55.2%
Single-family detached	97.3%
Large apartment buildings	0.0%
Mobile homes	1.7%
Median rooms	5.0
Avg household size (owned)	2.33

Year built

Era	%
2020 or later	0.0%
2010–2019	5.3%
2000–2009	10.5%
1990–1999	14.3%
1980–1989	9.9%
1970–1979	17.0%
1960–1969	15.8%
1950–1959	9.7%
1940–1949	7.7%
1939 or earlier	9.7%

Bedrooms

Size	% of units
No bedroom (studio)	3.3%
1 bedroom	8.3%
2 bedrooms	31.8%
3 bedrooms	42.6%
4 bedrooms	11.8%
5+ bedrooms	2.2%

Vehicles per household

Vehicles	% of households
No vehicle	1.3%
1 vehicle	29.4%
2 vehicles	53.9%
3 or more	15.4%

Heating fuel

Fuel type	%
Utility gas	40.4%
Electricity	7.5%
Propane / LP gas	36.0%
Fuel oil	0.9%
Wood	13.4%
No fuel used	0.9%

Households & families

Household type	Count	%
Married-couple family	303	55.7%
Cohabiting couple	35	6.4%
Male householder, no spouse	88	16.2%
Female householder, no spouse	118	21.7%
Households with children under 18	64	11.8%
Households with seniors (65+)	279	51.3%
Average household size	2.28

Marital status

Status	Male	Female
Never married	22.5%	19.5%
Married	59.1%	58.1%
Separated	0.0%	0.5%
Widowed	4.2%	8.0%
Divorced	14.2%	14.0%

Education

Less than 9th grade 0.9%

Some HS, no diploma 7.2%

HS graduate 27.6%

Some college, no degree 17.7%

Associate's degree 9.4%

Bachelor's degree 17.4%

Graduate / professional 19.8%

Metric	%
HS diploma or higher	91.9%
Bachelor's or higher	37.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	6	3.7%
Kindergarten	7	4.3%
Elementary school	46	28.2%
High school	83	50.9%
College / grad school	21	12.9%

Employment

Industry of employment

Education & healthcare 21.9%

Retail trade 17.5%

Arts, food & hospitality 11.0%

Construction 9.7%

Manufacturing 8.9%

Professional & management 7.2%

Other services 7.0%

Agriculture & mining 5.3%

Public administration 4.0%

Finance & real estate 2.5%

Wholesale trade 1.9%

Transportation & utilities 1.7%

Information 1.3%

Occupation

Category	%
Management, business & arts	36.1%
Service	22.4%
Sales & office	15.8%
Natural resources & construction	10.5%
Production & transportation	15.2%

Employment type

Type	%
Private sector	74.5%
Government	14.1%
Self-employed	10.8%
Unpaid family workers	0.6%

Commute

Method	%
Drive alone	72.4%
Carpool	4.0%
Public transit	3.6%
Walk	0.2%
Work from home	18.8%
Other means	1.0%
Avg commute (minutes)	27.3

Poverty

All people 8.5%

Under 18 years 5.2%

18 and over 9.0%

Married-couple families 3.3%

Female-led households 9.5%

Income support

Source	% of households
Social Security	56.1%
Retirement income	45.4%
Supplemental Security	2.2%
Cash public assistance	0.9%
Food stamps / SNAP	2.4%

Health indicators

Condition	%
Obesity	36.3%
High blood pressure	38.2%
High cholesterol	41.3%
Diabetes	12.6%
Heart disease	8.5%
Stroke	3.6%
Asthma	10.4%
Arthritis	34.8%
Kidney disease	3.5%
Pulmonary disease	8.6%
Cancer	9.2%

Behavior / access	%
Smoking	17.2%
Binge drinking	16.6%
No physical activity	20.8%
Less than 7 hrs sleep	31.4%
Depression	20.6%
Fair or poor health	14.6%
Poor mental health	14.2%
Poor physical health	11.1%
No health insurance	8.0%
Visited doctor (checkup)	77.9%
Visited dentist	72.2%
Cholesterol screening	93.5%
Teeth loss	11.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	109	9.9%

Disability	%
Any disability	14.9%
Under 18	4.5%
18–64 years	9.5%
65 and over	27.2%

Health insurance coverage

Type	%
Private insurance	66.1%
Public insurance	51.7%
No insurance	6.9%
Uninsured under 19	3.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,233	98.2%
Spanish	9	0.7%
Other Indo-European	9	0.7%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,242	99.0%
Born in same state	1,239	98.7%
Born in different state	955	76.1%
Foreign born	3	0.2%
Naturalized citizen	13	1.0%
Not a US citizen	12	92.3%

Ancestry

Ancestry	Count	%
French	216	17.2%
Italian	158	12.6%
English	45	3.6%
Arab	31	2.5%

Ancestry	Count	%
German	19	1.5%
Irish	19	1.5%
Polish	12	1%
Dutch	8	0.6%

Technology access

Metric	% of households
Computer access	43.3%
Internet access	96.7%

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

Frequently asked questions about ZIP code 49640

What city is ZIP code 49640 in?

ZIP code 49640 is primarily assigned to Honor, Michigan.

What county is ZIP code 49640 in?

ZIP code 49640 falls within Benzie County, Michigan.

Does ZIP code 49640 have an older population?

34% of residents in ZIP code 49640 are 65 or older, above the national average of ~17%.

Does ZIP code 49640 have a large retiree population?

56% of households in ZIP code 49640 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 49640 mostly owner-occupied?

93% of occupied units in ZIP code 49640 are owner-occupied, well above the national average.

Does ZIP code 49640 have a large veteran population?

10% of civilians in ZIP code 49640 are veterans, above the national average of ~7%.

What timezone is ZIP code 49640 in?

ZIP code 49640 observes the EST timezone.