49651 ZIP Code — Lake City, MI

Missaukee County, Michigan

ZIP code 49651 is located in Lake City, Michigan, within Missaukee County. It covers approximately 235.49 square miles and serves a population of 7,647 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 231.

About ZIP code 49651

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 $156,100. Owner-occupancy is high at 82%, well above the national average.

Median household income is $57,654. 48% 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.

College attainment at 18% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (23%) compared to national benchmarks.

Overall, ZIP code 49651 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

7,647

population

235.49

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49651 ZIP code map

Cities in ZIP code 49651

Below are the cities the US Postal Service accepts for ZIP code 49651. Using any city not on this list may result in mail delivery delays.

City	Status
Lake City	Acceptable
Lake City	Preferred

Nearby ZIP codes

49667 Merritt (8.1 mi) 49657 Mc Bain (11.1 mi) 49632 Falmouth (11.5 mi) 49633 Fife Lake (13 mi) 49663 Manton (15.4 mi) 49680 South Boardman (18.6 mi) 48629 Houghton Lake (19 mi)

Demographics updated 05/2026

Population
Total population	7,647
Population density	32 / sq mi
State FIPS	26
County FIPS	113

Geography
Land area	235.49 sq mi
Water area	5.90 sq mi
Latitude	44.3819
Longitude	-85.1004
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	53.6%	52.9%	42.6%
$50k – $100k	29.6%	30.7%	31.1%
$100k – $200k	15.4%	14.9%	20.6%
Over $200k	1.4%	1.5%	5.7%

Demographics & statistics

7,647

Population

People per sq mi

47.1

Median age

$57,654

Median household income

$31,246

Per capita income

$156,100

Median home value

$862

Median monthly rent

81.9%

Home ownership

11.8%

Poverty rate

6.2%

Unemployment

4,400

Housing units

18.1%

Bachelor's or higher

Age distribution

Male Female

191

Under 5

180

206

5–9

195

230

10–14

217

173

15–19

164

211

20–24

199

440

25–34

415

427

35–44

403

475

45–54

447

272

55–59

257

410

60–64

387

518

65–74

489

291

75–84

275

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,447	18.9%
18 and over	6,200	81.1%
65 and over	1,748	22.9%
Median age	47.1 years

Race & ethnicity

White 91.5%

Two or more races 4.3%

Hispanic or Latino 2.3%

Asian 0.6%

Black or African American 0.5%

American Indian / Alaska Native 0.4%

Other race 0.4%

Group	Count	%
White	7,160	91.5%
Two or more races	336	4.3%
Hispanic or Latino	179	2.3%
Asian	47	0.6%
Black or African American	43	0.5%
American Indian / Alaska Native	31	0.4%
Other race	30	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	53.6%	52.9%	42.6%
$50k – $100k	29.6%	30.7%	31.1%
$100k – $200k	15.4%	14.9%	20.6%
Over $200k	1.4%	1.5%	5.7%

Under $10k 3.2%

$10k–$15k 1.8%

$15k–$25k 11.0%

$25k–$35k 9.7%

$35k–$50k 15.5%

$50k–$75k 20.8%

$75k–$100k 14.5%

$100k–$150k 15.9%

$150k–$200k 5.2%

$200k+ 2.4%

Range	% of households
Under $10k	3.2%
$10k–$15k	1.8%
$15k–$25k	11.0%
$25k–$35k	9.7%
$35k–$50k	15.5%
$50k–$75k	20.8%
$75k–$100k	14.5%
$100k–$150k	15.9%
$150k–$200k	5.2%
$200k+	2.4%
Median income	$57,654

Housing

Home values

Under $50k 9.2%

$50k–$100k 15.8%

$100k–$150k 22.2%

$150k–$200k 15.7%

$200k–$300k 17.0%

$300k–$500k 15.4%

$500k–$1M 3.3%

$1M+ 1.2%

Housing overview

Metric	Value
Median home value	$156,100
Median rent / month	$862
Owner occupied	81.9%
Renter occupied	18.1%
Vacant	38.4%
Single-family detached	80.8%
Large apartment buildings	0.2%
Mobile homes	15.8%
Median rooms	4.9
Avg household size (owned)	2.48

Year built

Era	%
2020 or later	1.1%
2010–2019	3.7%
2000–2009	8.3%
1990–1999	16.4%
1980–1989	16.8%
1970–1979	22.3%
1960–1969	10.4%
1950–1959	8.0%
1940–1949	3.5%
1939 or earlier	9.5%

Bedrooms

Size	% of units
No bedroom (studio)	4.6%
1 bedroom	6.6%
2 bedrooms	34.9%
3 bedrooms	40.9%
4 bedrooms	10.1%
5+ bedrooms	3.1%

Vehicles per household

Vehicles	% of households
No vehicle	2.2%
1 vehicle	34.3%
2 vehicles	39.8%
3 or more	23.7%

Heating fuel

Fuel type	%
Utility gas	41.8%
Electricity	5.5%
Propane / LP gas	34.5%
Fuel oil	1.3%
Wood	15.0%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	1,720	56.4%
Cohabiting couple	232	7.6%
Male householder, no spouse	585	19.2%
Female householder, no spouse	514	16.8%
Households with children under 18	748	24.5%
Households with seniors (65+)	1,156	37.9%
Average household size	2.48

Marital status

Status	Male	Female
Never married	24.6%	16.3%
Married	54.3%	58.2%
Separated	0.8%	1.0%
Widowed	5.7%	9.7%
Divorced	14.6%	14.8%

Education

Less than 9th grade 1.5%

Some HS, no diploma 7.3%

HS graduate 40.8%

Some college, no degree 20.3%

Associate's degree 12.1%

Bachelor's degree 12.5%

Graduate / professional 5.6%

Metric	%
HS diploma or higher	91.2%
Bachelor's or higher	18.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	84	6.3%
Kindergarten	92	6.9%
Elementary school	670	50.1%
High school	317	23.7%
College / grad school	175	13.1%

Employment

Industry of employment

Education & healthcare 21.9%

Manufacturing 19.9%

Construction 11.0%

Retail trade 10.4%

Arts, food & hospitality 7.1%

Professional & management 5.5%

Other services 4.7%

Public administration 4.6%

Finance & real estate 4.1%

Agriculture & mining 4.0%

Transportation & utilities 3.8%

Wholesale trade 2.5%

Information 0.6%

Occupation

Category	%
Management, business & arts	24.8%
Service	17.2%
Sales & office	21.6%
Natural resources & construction	14.0%
Production & transportation	22.4%

Employment type

Type	%
Private sector	81.3%
Government	12.9%
Self-employed	5.4%
Unpaid family workers	0.4%

Commute

Method	%
Drive alone	83.3%
Carpool	10.9%
Public transit	0.7%
Walk	1.6%
Work from home	3.2%
Other means	0.3%
Avg commute (minutes)	26.7

Poverty

All people 11.8%

Under 18 years 17.9%

18 and over 10.4%

Married-couple families 2.9%

Female-led households 34.2%

Income support

Source	% of households
Social Security	47.8%
Retirement income	31.5%
Supplemental Security	6.7%
Cash public assistance	2.7%
Food stamps / SNAP	13.4%

Health indicators

Condition	%
Obesity	38.8%
High blood pressure	37.5%
High cholesterol	37.0%
Diabetes	13.1%
Heart disease	8.6%
Stroke	4.0%
Asthma	11.2%
Arthritis	34.2%
Kidney disease	3.6%
Pulmonary disease	10.2%
Cancer	7.9%

Behavior / access	%
Smoking	22.8%
Binge drinking	17.7%
No physical activity	23.9%
Less than 7 hrs sleep	32.8%
Depression	22.3%
Fair or poor health	17.6%
Poor mental health	16.5%
Poor physical health	13.0%
No health insurance	10.2%
Visited doctor (checkup)	75.3%
Visited dentist	64.8%
Cholesterol screening	91.3%
Teeth loss	15.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	523	8.4%

Disability	%
Any disability	20.2%
Under 18	7.3%
18–64 years	16.9%
65 and over	39.4%

Health insurance coverage

Type	%
Private insurance	62.9%
Public insurance	49.6%
No insurance	6.4%
Uninsured under 19	2.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	7,276	95.1%
Spanish	34	0.5%
Other Indo-European	3	0.0%
Asian & Pacific Islander	22	0.3%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	7,564	98.9%
Born in same state	7,561	98.9%
Born in different state	6,737	88.1%
Foreign born	3	0.0%
Naturalized citizen	83	1.1%
Not a US citizen	47	56.6%

Ancestry

Ancestry	Count	%
French	1,008	13.2%
Italian	823	10.8%
English	676	8.8%
Arab	507	6.6%
German	252	3.3%

Ancestry	Count	%
Polish	96	1.3%
Irish	37	0.5%
Norwegian	22	0.3%
Dutch	6	0.1%

Technology access

Metric	% of households
Computer access	39.9%
Internet access	91.1%

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

Frequently asked questions about ZIP code 49651

What city is ZIP code 49651 in?

ZIP code 49651 is primarily assigned to Lake City, Michigan.

What county is ZIP code 49651 in?

ZIP code 49651 falls within Missaukee County, Michigan.

Does ZIP code 49651 have a large retiree population?

48% of households in ZIP code 49651 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 49651 mostly owner-occupied?

82% of occupied units in ZIP code 49651 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 49651?

The median home value in ZIP code 49651 is $156,100.

What is the population of ZIP code 49651?

ZIP code 49651 has an estimated population of 7,647 residents, with a density of 32 people per square mile.

What timezone is ZIP code 49651 in?

ZIP code 49651 observes the EST timezone.