49650 ZIP Code — Lake Ann, MI

Benzie County, Michigan

ZIP code 49650 is located in Lake Ann, Michigan, within Benzie County. It covers approximately 24.03 square miles and serves a population of 3,459 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 231.

About ZIP code 49650

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 $228,100. Owner-occupancy is high at 93%, well above the national average.

Median household income is $89,384. The poverty rate of 5% is below the national average.

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 35% of residents holding a bachelor's degree or higher.

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 49650 reflects a community defined by a strong veteran community and high homeownership.

3,459

population

24.03

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49650 ZIP code map

Cities in ZIP code 49650

Below are the cities the US Postal Service accepts for ZIP code 49650. Using any city not on this list may result in mail delivery delays.

City	Status
Lake Ann	Preferred

Nearby ZIP codes

49643 Interlochen (7.1 mi) 49630 Empire (7.9 mi) 49684 Traverse City (8.2 mi) 49640 Honor (9.2 mi) 49664 Maple City (9.6 mi) 49617 Beulah (10.3 mi) 49621 Cedar (10.7 mi) 49636 Glen Arbor (11 mi) 49637 Grawn (11.4 mi) 49685 Traverse City (12.7 mi) 49696 Traverse City (13.9 mi) 49683 Thompsonville (14 mi)

Demographics updated 05/2026

Population
Total population	3,459
Population density	144 / sq mi
State FIPS	26
County FIPS	019

Geography
Land area	24.03 sq mi
Water area	1.92 sq mi
Latitude	44.7337
Longitude	-85.8770
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	17.9%	40.5%	42.6%
$50k – $100k	51.4%	37.4%	31.1%
$100k – $200k	27.8%	18.5%	20.6%
Over $200k	2.9%	3.6%	5.7%

Demographics & statistics

3,459

Population

144

People per sq mi

39.6

Median age

$89,384

Median household income

$38,424

Per capita income

$228,100

Median home value

$1,306

Median monthly rent

92.9%

Home ownership

4.6%

Poverty rate

1.4%

Unemployment

1,393

Housing units

35.2%

Bachelor's or higher

Age distribution

Male Female

119

Under 5

120

107

5–9

108

146

10–14

149

15–19

103

20–24

104

200

25–34

203

265

35–44

270

188

45–54

190

137

55–59

139

106

60–64

107

195

65–74

197

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	820	23.7%
18 and over	2,639	76.3%
65 and over	535	15.5%
Median age	39.6 years

Race & ethnicity

White 97.3%

Black or African American 1%

Two or more races 0.9%

American Indian / Alaska Native 0.6%

Hispanic or Latino 0.2%

Group	Count	%
White	3,373	97.3%
Black or African American	33	1%
Two or more races	31	0.9%
American Indian / Alaska Native	22	0.6%
Hispanic or Latino	6	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	17.9%	40.5%	42.6%
$50k – $100k	51.4%	37.4%	31.1%
$100k – $200k	27.8%	18.5%	20.6%
Over $200k	2.9%	3.6%	5.7%

Under $10k 1.7%

$10k–$15k 1.5%

$15k–$25k 4.1%

$25k–$35k 4.2%

$35k–$50k 11.1%

$50k–$75k 13.3%

$75k–$100k 26.5%

$100k–$150k 23.6%

$150k–$200k 6.4%

$200k+ 7.7%

Range	% of households
Under $10k	1.7%
$10k–$15k	1.5%
$15k–$25k	4.1%
$25k–$35k	4.2%
$35k–$50k	11.1%
$50k–$75k	13.3%
$75k–$100k	26.5%
$100k–$150k	23.6%
$150k–$200k	6.4%
$200k+	7.7%
Median income	$89,384

Housing

Home values

Under $50k 3.9%

$50k–$100k 3.2%

$100k–$150k 5.4%

$150k–$200k 21.4%

$200k–$300k 37.6%

$300k–$500k 21.4%

$500k–$1M 7.0%

$1M+ 0.2%

Housing overview

Metric	Value
Median home value	$228,100
Median rent / month	$1,306
Owner occupied	92.9%
Renter occupied	7.1%
Vacant	14.0%
Single-family detached	95.8%
Large apartment buildings	0.0%
Mobile homes	1.1%
Median rooms	5.5
Avg household size (owned)	2.69

Year built

Era	%
2020 or later	1.3%
2010–2019	5.1%
2000–2009	31.0%
1990–1999	34.5%
1980–1989	4.6%
1970–1979	10.6%
1960–1969	6.8%
1950–1959	2.6%
1940–1949	1.6%
1939 or earlier	1.9%

Bedrooms

Size	% of units
No bedroom (studio)	1.1%
1 bedroom	4.4%
2 bedrooms	18.3%
3 bedrooms	49.2%
4 bedrooms	17.7%
5+ bedrooms	9.3%

Vehicles per household

Vehicles	% of households
No vehicle	1.3%
1 vehicle	18.0%
2 vehicles	53.2%
3 or more	27.4%

Heating fuel

Fuel type	%
Utility gas	64.4%
Electricity	5.0%
Propane / LP gas	21.3%
Fuel oil	0.8%
Wood	8.2%

Households & families

Household type	Count	%
Married-couple family	753	59.0%
Cohabiting couple	135	10.6%
Male householder, no spouse	131	10.3%
Female householder, no spouse	257	20.1%
Households with children under 18	415	32.5%
Households with seniors (65+)	367	28.8%
Average household size	2.71

Marital status

Status	Male	Female
Never married	27.5%	19.3%
Married	59.3%	58.3%
Separated	0.0%	3.9%
Widowed	3.7%	1.4%
Divorced	9.4%	17.1%

Education

Less than 9th grade 0.0%

Some HS, no diploma 1.9%

HS graduate 26.7%

Some college, no degree 25.1%

Associate's degree 11.1%

Bachelor's degree 22.5%

Graduate / professional 12.7%

Metric	%
HS diploma or higher	98.1%
Bachelor's or higher	35.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	41	5.1%
Kindergarten	21	2.6%
Elementary school	448	56.2%
High school	129	16.2%
College / grad school	158	19.8%

Employment

Industry of employment

Education & healthcare 25.1%

Arts, food & hospitality 11.2%

Retail trade 10.3%

Manufacturing 9.3%

Wholesale trade 7.4%

Construction 7.1%

Professional & management 6.5%

Finance & real estate 6.0%

Other services 5.7%

Public administration 5.7%

Transportation & utilities 4.5%

Agriculture & mining 1.1%

Occupation

Category	%
Management, business & arts	39.3%
Service	14.7%
Sales & office	20.4%
Natural resources & construction	9.1%
Production & transportation	16.5%

Employment type

Type	%
Private sector	74.5%
Government	17.8%
Self-employed	7.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	78.8%
Carpool	15.5%
Public transit	0.0%
Walk	0.4%
Work from home	5.3%
Other means	0.0%
Avg commute (minutes)	23.4

Poverty

All people 4.6%

Under 18 years 5.0%

18 and over 4.5%

Married-couple families 4.0%

Female-led households 16.3%

Income support

Source	% of households
Social Security	28.9%
Retirement income	40.8%
Supplemental Security	2.1%
Cash public assistance	0.0%
Food stamps / SNAP	5.3%

Health indicators

Condition	%
Obesity	37.8%
High blood pressure	30.8%
High cholesterol	32.6%
Diabetes	9.6%
Heart disease	5.9%
Stroke	2.7%
Asthma	10.9%
Arthritis	27.8%
Kidney disease	2.6%
Pulmonary disease	7.1%
Cancer	6.4%

Behavior / access	%
Smoking	20.7%
Binge drinking	20.4%
No physical activity	19.5%
Less than 7 hrs sleep	34.1%
Depression	22.9%
Fair or poor health	13.2%
Poor mental health	16.5%
Poor physical health	10.3%
No health insurance	8.9%
Visited doctor (checkup)	73.3%
Visited dentist	70.1%
Cholesterol screening	91.2%
Teeth loss	11.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	334	12.7%

Disability	%
Any disability	10.1%
Under 18	1.0%
18–64 years	12.4%
65 and over	15.3%

Health insurance coverage

Type	%
Private insurance	81.5%
Public insurance	27.8%
No insurance	5.9%
Uninsured under 19	10.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,220	93.1%
Spanish	7	0.2%
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)	3,375	97.6%
Born in same state	3,375	97.6%
Born in different state	2,863	82.8%
Foreign born	0	0.0%
Naturalized citizen	84	2.4%
Not a US citizen	51	60.7%

Ancestry

Ancestry	Count	%
French	742	21.5%
Italian	357	10.3%
Arab	164	4.7%
English	108	3.1%

Ancestry	Count	%
German	79	2.3%
Polish	17	0.5%
Irish	15	0.4%
Dutch	5	0.1%

Technology access

Metric	% of households
Computer access	36.9%
Internet access	95.8%

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

Frequently asked questions about ZIP code 49650

What city is ZIP code 49650 in?

ZIP code 49650 is primarily assigned to Lake Ann, Michigan.

What county is ZIP code 49650 in?

ZIP code 49650 falls within Benzie County, Michigan.

Is ZIP code 49650 mostly owner-occupied?

93% of occupied units in ZIP code 49650 are owner-occupied, well above the national average.

Does ZIP code 49650 have a large veteran population?

13% of civilians in ZIP code 49650 are veterans, above the national average of ~7%.

What is the population of ZIP code 49650?

ZIP code 49650 has an estimated population of 3,459 residents, with a density of 144 people per square mile.

What is the median household income in ZIP code 49650?

The median household income in ZIP code 49650 is $89,384, above the national median of ~$75,000.

What timezone is ZIP code 49650 in?

ZIP code 49650 observes the EST timezone.