49657 ZIP Code — Mc Bain, MI

Missaukee County, Michigan

ZIP code 49657 is located in Mc Bain, Michigan, within Missaukee County. It covers approximately 92.59 square miles and serves a population of 3,743 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 231.

About ZIP code 49657

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 $167,200. Owner-occupancy is high at 77%, well above the national average.

Median household income is $68,409. 34% 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 19 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 (22%) compared to national benchmarks.

Overall, ZIP code 49657 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

3,743

population

92.59

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49657 ZIP code map

Cities in ZIP code 49657

Below are the cities the US Postal Service accepts for ZIP code 49657. Using any city not on this list may result in mail delivery delays.

City	Status
Mc Bain	Preferred

Nearby ZIP codes

49632 Falmouth (9.8 mi) 49665 Marion (10.4 mi) 49651 Lake City (11.1 mi) 49667 Merritt (14.3 mi) 49688 Tustin (15.3 mi) 49663 Manton (17.9 mi) 49601 Cadillac (18.7 mi) 49655 Leroy (19.9 mi)

Demographics updated 05/2026

Population
Total population	3,743
Population density	40 / sq mi
State FIPS	26
County FIPS	113

Geography
Land area	92.59 sq mi
Water area	0.53 sq mi
Latitude	44.2291
Longitude	-85.1715
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	47.7%	52.9%	42.6%
$50k – $100k	33.7%	30.7%	31.1%
$100k – $200k	16.2%	14.9%	20.6%
Over $200k	2.4%	1.5%	5.7%

Demographics & statistics

3,743

Population

People per sq mi

37.8

Median age

$68,409

Median household income

$29,041

Per capita income

$167,200

Median home value

$758

Median monthly rent

77.3%

Home ownership

7.6%

Poverty rate

4.9%

Unemployment

1,255

Housing units

18.1%

Bachelor's or higher

Age distribution

Male Female

126

Under 5

144

125

5–9

143

101

10–14

116

147

15–19

168

20–24

230

25–34

264

212

35–44

243

154

45–54

177

128

55–59

146

123

60–64

140

198

65–74

227

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	959	25.6%
18 and over	2,784	74.4%
65 and over	676	18.1%
Median age	37.8 years

Race & ethnicity

White 87.1%

Hispanic or Latino 5.8%

Two or more races 3.5%

Other race 3.3%

Black or African American 0.3%

Group	Count	%
White	3,460	87.1%
Hispanic or Latino	230	5.8%
Two or more races	138	3.5%
Other race	131	3.3%
Black or African American	13	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	47.7%	52.9%	42.6%
$50k – $100k	33.7%	30.7%	31.1%
$100k – $200k	16.2%	14.9%	20.6%
Over $200k	2.4%	1.5%	5.7%

Under $10k 2.2%

$10k–$15k 5.3%

$15k–$25k 8.7%

$25k–$35k 8.0%

$35k–$50k 15.0%

$50k–$75k 16.9%

$75k–$100k 18.8%

$100k–$150k 15.2%

$150k–$200k 7.6%

$200k+ 2.2%

Range	% of households
Under $10k	2.2%
$10k–$15k	5.3%
$15k–$25k	8.7%
$25k–$35k	8.0%
$35k–$50k	15.0%
$50k–$75k	16.9%
$75k–$100k	18.8%
$100k–$150k	15.2%
$150k–$200k	7.6%
$200k+	2.2%
Median income	$68,409

Housing

Home values

Under $50k 7.7%

$50k–$100k 12.3%

$100k–$150k 22.2%

$150k–$200k 22.0%

$200k–$300k 20.7%

$300k–$500k 11.4%

$500k–$1M 2.3%

$1M+ 1.4%

Housing overview

Metric	Value
Median home value	$167,200
Median rent / month	$758
Owner occupied	77.3%
Renter occupied	22.7%
Vacant	14.2%
Single-family detached	82.4%
Large apartment buildings	3.6%
Mobile homes	9.2%
Median rooms	6.2
Avg household size (owned)	2.96

Year built

Era	%
2020 or later	0.0%
2010–2019	1.8%
2000–2009	16.9%
1990–1999	15.7%
1980–1989	13.9%
1970–1979	18.9%
1960–1969	4.7%
1950–1959	4.9%
1940–1949	5.6%
1939 or earlier	17.7%

Bedrooms

Size	% of units
No bedroom (studio)	1.9%
1 bedroom	6.5%
2 bedrooms	19.3%
3 bedrooms	41.3%
4 bedrooms	22.1%
5+ bedrooms	8.9%

Vehicles per household

Vehicles	% of households
No vehicle	7.7%
1 vehicle	26.0%
2 vehicles	43.0%
3 or more	23.2%

Heating fuel

Fuel type	%
Utility gas	26.9%
Electricity	5.7%
Propane / LP gas	48.7%
Fuel oil	3.3%
Wood	12.1%
No fuel used	0.7%

Households & families

Household type	Count	%
Married-couple family	786	58.7%
Cohabiting couple	90	6.7%
Male householder, no spouse	201	15.0%
Female householder, no spouse	261	19.5%
Households with children under 18	450	33.6%
Households with seniors (65+)	419	31.3%
Average household size	2.74

Marital status

Status	Male	Female
Never married	28.1%	25.8%
Married	58.3%	51.3%
Separated	1.5%	2.6%
Widowed	3.6%	9.7%
Divorced	8.5%	10.5%

Education

Less than 9th grade 4.0%

Some HS, no diploma 5.3%

HS graduate 41.0%

Some college, no degree 21.8%

Associate's degree 9.9%

Bachelor's degree 12.4%

Graduate / professional 5.7%

Metric	%
HS diploma or higher	90.7%
Bachelor's or higher	18.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	54	6.6%
Kindergarten	60	7.4%
Elementary school	381	46.7%
High school	236	28.9%
College / grad school	85	10.4%

Employment

Industry of employment

Education & healthcare 21.9%

Manufacturing 15.5%

Agriculture & mining 14.5%

Retail trade 12.4%

Arts, food & hospitality 9.0%

Construction 6.7%

Other services 5.8%

Transportation & utilities 4.5%

Public administration 3.7%

Professional & management 2.9%

Finance & real estate 1.8%

Wholesale trade 1.2%

Information 0.2%

Occupation

Category	%
Management, business & arts	31.6%
Service	17.6%
Sales & office	16.8%
Natural resources & construction	19.4%
Production & transportation	14.7%

Employment type

Type	%
Private sector	83.1%
Government	9.5%
Self-employed	7.3%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	75.5%
Carpool	8.7%
Public transit	0.0%
Walk	4.3%
Work from home	7.7%
Other means	3.8%
Avg commute (minutes)	19.2

Poverty

All people 7.6%

Under 18 years 7.1%

18 and over 7.7%

Married-couple families 1.1%

Female-led households 25.0%

Income support

Source	% of households
Social Security	34.2%
Retirement income	20.1%
Supplemental Security	7.0%
Cash public assistance	1.3%
Food stamps / SNAP	13.5%

Health indicators

Condition	%
Obesity	37.2%
High blood pressure	33.3%
High cholesterol	33.9%
Diabetes	10.9%
Heart disease	7.2%
Stroke	3.4%
Asthma	11.1%
Arthritis	30.5%
Kidney disease	3.1%
Pulmonary disease	8.5%
Cancer	7.2%

Behavior / access	%
Smoking	21.8%
Binge drinking	19.3%
No physical activity	22.4%
Less than 7 hrs sleep	32.7%
Depression	22.4%
Fair or poor health	15.4%
Poor mental health	16.8%
Poor physical health	11.7%
No health insurance	10.3%
Visited doctor (checkup)	73.7%
Visited dentist	66.4%
Cholesterol screening	90.2%
Teeth loss	14.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	183	6.6%

Disability	%
Any disability	15.3%
Under 18	1.8%
18–64 years	16.0%
65 and over	34.8%

Health insurance coverage

Type	%
Private insurance	65.0%
Public insurance	38.1%
No insurance	13.5%
Uninsured under 19	18.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,473	92.8%
Spanish	146	4.2%
Other Indo-European	83	2.4%
Asian & Pacific Islander	63	1.8%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,616	96.6%
Born in same state	3,603	96.3%
Born in different state	3,245	86.7%
Foreign born	13	0.3%
Naturalized citizen	127	3.4%
Not a US citizen	9	7.1%

Ancestry

Ancestry	Count	%
English	981	26.2%
French	295	7.9%
Italian	282	7.5%
Arab	256	6.8%

Ancestry	Count	%
German	45	1.2%
Polish	37	1%
Irish	18	0.5%
Dutch	12	0.3%

Technology access

Metric	% of households
Computer access	35.7%
Internet access	87.0%

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

Frequently asked questions about ZIP code 49657

What city is ZIP code 49657 in?

ZIP code 49657 is primarily assigned to Mc Bain, Michigan.

What county is ZIP code 49657 in?

ZIP code 49657 falls within Missaukee County, Michigan.

What is the typical home value in ZIP code 49657?

The median home value in ZIP code 49657 is $167,200.

What is the population of ZIP code 49657?

ZIP code 49657 has an estimated population of 3,743 residents, with a density of 40 people per square mile.

What is the median household income in ZIP code 49657?

The median household income in ZIP code 49657 is $68,409, below the national median of ~$75,000.

What timezone is ZIP code 49657 in?

ZIP code 49657 observes the EST timezone.