49440 ZIP Code — Muskegon, MI

Muskegon County, Michigan

ZIP code 49440 is located in Muskegon, Michigan, within Muskegon County. It covers approximately 0.61 square miles and serves a population of 1,297 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 231.

About ZIP code 49440

The housing stock consists of a significant share of large multi-unit buildings. Most homes were built in the pre-1940, giving the area an established character. Median home value is $151,300. Renters make up the majority at 74%, typical of denser urban areas.

Median household income is $31,218. Poverty affects 30% of residents, above the national average. SNAP benefit usage at 23% of households reflects economic stress in the area. 63% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with arts, entertainment, and food service as the leading industry. The average commute of 19 minutes is near the national average.

Educational attainment is near the national average, with 30% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of obesity (47%), diabetes (17%), smoking (31%) compared to national benchmarks.

Notable community characteristics include a notable veteran presence at 11% of civilians, above the national average of 7%.

Overall, ZIP code 49440 reflects a community defined by economic challenges above the national average, a strong veteran community, a significant Social Security-dependent population, and elevated reliance on food assistance.

1,297

population

0.61

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49440 ZIP code map

Cities in ZIP code 49440

Below are the cities the US Postal Service accepts for ZIP code 49440. Using any city not on this list may result in mail delivery delays.

City	Status
Muskegon	Acceptable
Muskegon	Preferred

Nearby ZIP codes

49441 Muskegon (3.6 mi) 49445 Muskegon (4.3 mi) 49444 Muskegon (5.6 mi) 49442 Muskegon (5.6 mi) 49415 Fruitport (8.7 mi) 49457 Twin Lake (10.4 mi) 49461 Whitehall (11 mi) 49456 Spring Lake (11.3 mi) 49448 Nunica (12.9 mi) 49451 Ravenna (14.5 mi) 49437 Montague (15.6 mi) 49425 Holton (15.8 mi)

Demographics updated 06/2026

Population
Total population	1,297
Population density	2,126 / sq mi
State FIPS	26
County FIPS	121

Geography
Land area	0.61 sq mi
Water area	0.26 sq mi
Latitude	43.2374
Longitude	-86.2533
Timezone	Eastern (ET)
Area code	231

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	90.0%	46.4%	42.6%
$50k – $100k	7.2%	34.3%	31.1%
$100k – $200k	2.7%	16.3%	20.6%
Over $200k	0.2%	3.0%	5.7%

Demographics & statistics

1,297

Population

2,126

People per sq mi

38.7

Median age

$31,218

Median household income

$24,171

Per capita income

$151,300

Median home value

$686

Median monthly rent

25.8%

Home ownership

29.5%

Poverty rate

0.0%

Unemployment

320

Housing units

30.1%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

114

35–44

45–54

55–59

60–64

65–74

131

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	378	29.1%
18 and over	919	70.9%
65 and over	349	26.9%
Median age	38.7 years

Race & ethnicity

White 60.4%

Two or more races 28.5%

Hispanic or Latino 5%

Black or African American 4.8%

American Indian / Alaska Native 0.9%

Asian 0.4%

Group	Count	%
White	825	60.4%
Two or more races	389	28.5%
Hispanic or Latino	68	5%
Black or African American	66	4.8%
American Indian / Alaska Native	12	0.9%
Asian	5	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	90.0%	46.4%	42.6%
$50k – $100k	7.2%	34.3%	31.1%
$100k – $200k	2.7%	16.3%	20.6%
Over $200k	0.2%	3.0%	5.7%

Under $10k 3.0%

$10k–$15k 9.9%

$15k–$25k 20.0%

$25k–$35k 22.6%

$35k–$50k 17.7%

$50k–$75k 12.7%

$75k–$100k 5.3%

$100k–$150k 4.2%

$150k–$200k 3.0%

$200k+ 1.4%

Range	% of households
Under $10k	3.0%
$10k–$15k	9.9%
$15k–$25k	20.0%
$25k–$35k	22.6%
$35k–$50k	17.7%
$50k–$75k	12.7%
$75k–$100k	5.3%
$100k–$150k	4.2%
$150k–$200k	3.0%
$200k+	1.4%
Median income	$31,218

Housing

Home values

Under $50k 10.1%

$50k–$100k 17.9%

$100k–$150k 21.2%

$150k–$200k 22.3%

$200k–$300k 10.6%

$500k–$1M 17.9%

Housing overview

Metric	Value
Median home value	$151,300
Median rent / month	$686
Owner occupied	25.8%
Renter occupied	74.2%
Vacant	16.9%
Single-family detached	26.7%
Large apartment buildings	46.2%
Mobile homes	0.0%
Median rooms	3.4
Avg household size (owned)	2.45

Year built

Era	%
2020 or later	0.0%
2010–2019	20.2%
2000–2009	0.5%
1990–1999	0.0%
1980–1989	0.0%
1970–1979	6.7%
1960–1969	10.2%
1950–1959	4.8%
1940–1949	5.7%
1939 or earlier	51.9%

Bedrooms

Size	% of units
No bedroom (studio)	2.3%
1 bedroom	49.5%
2 bedrooms	24.2%
3 bedrooms	18.3%
4 bedrooms	3.5%
5+ bedrooms	2.3%

Vehicles per household

Vehicles	% of households
No vehicle	18.4%
1 vehicle	59.9%
2 vehicles	15.3%
3 or more	6.3%

Heating fuel

Fuel type	%
Utility gas	78.1%
Electricity	18.3%
Propane / LP gas	1.2%
No fuel used	1.2%

Households & families

Household type	Count	%
Married-couple family	120	17.3%
Cohabiting couple	8	1.2%
Male householder, no spouse	216	31.1%
Female householder, no spouse	350	50.4%
Households with children under 18	124	17.9%
Households with seniors (65+)	313	45.1%
Average household size	1.86

Marital status

Status	Male	Female
Never married	49.8%	43.7%
Married	30.0%	18.9%
Separated	0.0%	1.1%
Widowed	2.0%	15.2%
Divorced	18.3%	21.2%

Education

Less than 9th grade 0.1%

Some HS, no diploma 3.2%

HS graduate 21.6%

Some college, no degree 36.2%

Associate's degree 8.9%

Bachelor's degree 23.2%

Graduate / professional 6.9%

Metric	%
HS diploma or higher	96.7%
Bachelor's or higher	30.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	13	4.1%
Kindergarten	58	18.1%
Elementary school	93	29.1%
High school	139	43.4%
College / grad school	17	5.3%

Employment

Industry of employment

Arts, food & hospitality 23.4%

Professional & management 20.2%

Education & healthcare 16.2%

Manufacturing 15.0%

Retail trade 7.0%

Finance & real estate 5.6%

Transportation & utilities 4.6%

Information 3.6%

Public administration 3.6%

Other services 1.0%

Occupation

Category	%
Management, business & arts	34.9%
Service	25.5%
Sales & office	28.9%
Natural resources & construction	2.8%
Production & transportation	7.8%

Employment type

Type	%
Private sector	86.2%
Government	10.2%
Self-employed	3.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	78.2%
Carpool	9.4%
Public transit	0.0%
Walk	0.0%
Work from home	10.5%
Other means	2.0%
Avg commute (minutes)	18.7

Poverty

All people 29.5%

Under 18 years 68.3%

18 and over 13.5%

Married-couple families 0.0%

Female-led households 46.9%

Income support

Source	% of households
Social Security	62.8%
Retirement income	29.8%
Supplemental Security	2.9%
Cash public assistance	5.2%
Food stamps / SNAP	23.2%

Health indicators

Condition	%
Obesity	46.7%
High blood pressure	42.7%
High cholesterol	37.5%
Diabetes	17.3%
Heart disease	9.4%
Stroke	5.6%
Asthma	14.3%
Arthritis	35.6%
Kidney disease	4.6%
Pulmonary disease	13.5%
Cancer	6.3%

Behavior / access	%
Smoking	30.6%
Binge drinking	16.4%
No physical activity	33.6%
Less than 7 hrs sleep	37.2%
Depression	25.3%
Fair or poor health	28.0%
Poor mental health	21.0%
Poor physical health	17.9%
No health insurance	15.2%
Visited doctor (checkup)	75.4%
Visited dentist	46.7%
Cholesterol screening	86.8%
Teeth loss	27.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	104	11.3%

Disability	%
Any disability	19.2%
Under 18	4.0%
18–64 years	18.8%
65 and over	36.3%

Health insurance coverage

Type	%
Private insurance	51.7%
Public insurance	66.5%
No insurance	1.7%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,208	93.1%
Spanish	39	3.2%
Other Indo-European	27	2.2%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,256	96.8%
Born in same state	1,256	96.8%
Born in different state	1,165	89.8%
Foreign born	0	0.0%
Naturalized citizen	41	3.2%
Not a US citizen	1	2.4%

Ancestry

Ancestry	Count	%
Italian	167	12.9%
French	158	12.2%
English	54	4.2%
Arab	39	3%

Ancestry	Count	%
Polish	30	2.3%
Irish	10	0.8%
Dutch	9	0.7%
German	8	0.6%

Technology access

Metric	% of households
Computer access	53.5%
Internet access	83.0%

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

Frequently asked questions about ZIP code 49440

What city is ZIP code 49440 in?

ZIP code 49440 is primarily assigned to Muskegon, Michigan.

What county is ZIP code 49440 in?

ZIP code 49440 falls within Muskegon County, Michigan.

Is ZIP code 49440 mostly rentals?

74% of occupied units in ZIP code 49440 are renter-occupied.

Does ZIP code 49440 have a large retiree population?

63% of households in ZIP code 49440 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 49440?

30% of residents in ZIP code 49440 live below the poverty line, above the national average.

Does ZIP code 49440 have an older population?

27% of residents in ZIP code 49440 are 65 or older, above the national average of ~17%.

What timezone is ZIP code 49440 in?

ZIP code 49440 observes the EST timezone.