49445 ZIP Code — Muskegon, MI

Muskegon County, Michigan

ZIP code 49445 is located in Muskegon, Michigan, within Muskegon County. It covers approximately 61.06 square miles and serves a population of 21,611 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 231.

About ZIP code 49445

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1950s, giving the area an established character. Median home value is $186,600. Owner-occupancy is high at 90%, well above the national average.

Median household income is $83,663. The poverty rate of 6% is below the national average. 34% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. The average commute of 22 minutes is near the national average.

Educational attainment is near the national average, with 29% of residents holding a bachelor's degree or higher.

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

Overall, ZIP code 49445 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

21,611

population

61.06

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49445 ZIP code map

Cities in ZIP code 49445

Below are the cities the US Postal Service accepts for ZIP code 49445. Using any city not on this list may result in mail delivery delays.

City	Status
Muskegon	Acceptable
Muskegon	Acceptable
Muskegon	Preferred

Nearby ZIP codes

49440 Muskegon (4.3 mi) 49461 Whitehall (6.7 mi) 49442 Muskegon (7.5 mi) 49441 Muskegon (7.7 mi) 49457 Twin Lake (7.8 mi) 49444 Muskegon (9.8 mi) 49437 Montague (11.3 mi) 49415 Fruitport (12.5 mi) 49425 Holton (12.7 mi) 49452 Rothbury (14.8 mi) 49456 Spring Lake (15.7 mi) 49451 Ravenna (16.6 mi)

Demographics updated 06/2026

Population
Total population	21,611
Population density	354 / sq mi
State FIPS	26
County FIPS	121

Geography
Land area	61.06 sq mi
Water area	10.19 sq mi
Latitude	43.2987
Longitude	-86.2728
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	31.7%	46.4%	42.6%
$50k – $100k	38.6%	34.3%	31.1%
$100k – $200k	24.2%	16.3%	20.6%
Over $200k	5.5%	3.0%	5.7%

Demographics & statistics

21,611

Population

354

People per sq mi

43.9

Median age

$83,663

Median household income

$39,689

Per capita income

$186,600

Median home value

$1,146

Median monthly rent

90.0%

Home ownership

6.2%

Poverty rate

4.4%

Unemployment

8,392

Housing units

28.8%

Bachelor's or higher

Age distribution

Male Female

529

Under 5

522

622

5–9

613

816

10–14

803

792

15–19

781

514

20–24

507

1,111

25–34

1,095

1,185

35–44

1,168

1,619

45–54

1,595

786

55–59

774

885

60–64

872

1,235

65–74

1,217

594

75–84

585

197

85+

194

← Male

Female →

Age summary

Group	Count	%
Under 18	4,948	22.9%
18 and over	16,663	77.1%
65 and over	4,022	18.6%
Median age	43.9 years

Race & ethnicity

White 84.3%

Two or more races 7.4%

Hispanic or Latino 5%

Black or African American 2%

American Indian / Alaska Native 0.6%

Other race 0.5%

Asian 0.3%

Group	Count	%
White	19,162	84.3%
Two or more races	1,678	7.4%
Hispanic or Latino	1,133	5%
Black or African American	448	2%
American Indian / Alaska Native	142	0.6%
Other race	118	0.5%
Asian	63	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	31.7%	46.4%	42.6%
$50k – $100k	38.6%	34.3%	31.1%
$100k – $200k	24.2%	16.3%	20.6%
Over $200k	5.5%	3.0%	5.7%

Under $10k 1.7%

$10k–$15k 3.9%

$15k–$25k 3.7%

$25k–$35k 8.1%

$35k–$50k 7.7%

$50k–$75k 20.0%

$75k–$100k 16.6%

$100k–$150k 22.7%

$150k–$200k 8.9%

$200k+ 6.7%

Range	% of households
Under $10k	1.7%
$10k–$15k	3.9%
$15k–$25k	3.7%
$25k–$35k	8.1%
$35k–$50k	7.7%
$50k–$75k	20.0%
$75k–$100k	16.6%
$100k–$150k	22.7%
$150k–$200k	8.9%
$200k+	6.7%
Median income	$83,663

Housing

Home values

Under $50k 7.4%

$50k–$100k 7.7%

$100k–$150k 17.0%

$150k–$200k 24.5%

$200k–$300k 25.9%

$300k–$500k 12.1%

$500k–$1M 4.1%

$1M+ 1.3%

Housing overview

Metric	Value
Median home value	$186,600
Median rent / month	$1,146
Owner occupied	90.0%
Renter occupied	10.0%
Vacant	8.6%
Single-family detached	86.6%
Large apartment buildings	1.3%
Mobile homes	8.2%
Median rooms	6.2
Avg household size (owned)	2.57

Year built

Era	%
2020 or later	0.3%
2010–2019	3.1%
2000–2009	13.8%
1990–1999	16.8%
1980–1989	9.0%
1970–1979	13.7%
1960–1969	9.4%
1950–1959	17.2%
1940–1949	7.3%
1939 or earlier	9.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.5%
1 bedroom	2.7%
2 bedrooms	17.9%
3 bedrooms	48.6%
4 bedrooms	24.6%
5+ bedrooms	5.7%

Vehicles per household

Vehicles	% of households
No vehicle	2.9%
1 vehicle	25.2%
2 vehicles	45.8%
3 or more	26.2%

Heating fuel

Fuel type	%
Utility gas	81.7%
Electricity	7.6%
Propane / LP gas	8.9%
Fuel oil	0.1%
Wood	1.2%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	4,809	57.0%
Cohabiting couple	594	7.0%
Male householder, no spouse	1,596	18.9%
Female householder, no spouse	1,442	17.1%
Households with children under 18	2,550	30.2%
Households with seniors (65+)	2,615	31.0%
Average household size	2.55

Marital status

Status	Male	Female
Never married	30.7%	20.7%
Married	54.2%	58.1%
Separated	0.2%	0.4%
Widowed	3.8%	6.9%
Divorced	11.1%	13.9%

Education

Less than 9th grade 1.2%

Some HS, no diploma 2.6%

HS graduate 27.4%

Some college, no degree 24.9%

Associate's degree 15.1%

Bachelor's degree 18.3%

Graduate / professional 10.5%

Metric	%
HS diploma or higher	96.2%
Bachelor's or higher	28.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	215	4.3%
Kindergarten	204	4.1%
Elementary school	2,423	48.5%
High school	1,393	27.9%
College / grad school	763	15.3%

Employment

Industry of employment

Manufacturing 26.7%

Education & healthcare 22.0%

Retail trade 10.1%

Arts, food & hospitality 9.9%

Construction 5.9%

Transportation & utilities 4.9%

Professional & management 4.9%

Finance & real estate 4.7%

Other services 4.3%

Public administration 3.7%

Wholesale trade 1.4%

Information 1.1%

Agriculture & mining 0.4%

Occupation

Category	%
Management, business & arts	37.1%
Service	15.7%
Sales & office	20.0%
Natural resources & construction	6.2%
Production & transportation	21.0%

Employment type

Type	%
Private sector	82.1%
Government	12.8%
Self-employed	4.7%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	82.8%
Carpool	8.7%
Public transit	0.0%
Walk	0.8%
Work from home	6.8%
Other means	0.9%
Avg commute (minutes)	22.1

Poverty

All people 6.2%

Under 18 years 8.2%

18 and over 5.6%

Married-couple families 1.7%

Female-led households 11.0%

Income support

Source	% of households
Social Security	33.9%
Retirement income	27.5%
Supplemental Security	3.1%
Cash public assistance	2.4%
Food stamps / SNAP	8.2%

Health indicators

Condition	%
Obesity	35.2%
High blood pressure	33.0%
High cholesterol	36.7%
Diabetes	10.0%
Heart disease	6.2%
Stroke	2.8%
Asthma	10.6%
Arthritis	29.7%
Kidney disease	2.7%
Pulmonary disease	6.7%
Cancer	7.2%

Behavior / access	%
Smoking	17.3%
Binge drinking	19.8%
No physical activity	18.7%
Less than 7 hrs sleep	30.1%
Depression	21.7%
Fair or poor health	12.2%
Poor mental health	15.3%
Poor physical health	9.8%
No health insurance	8.0%
Visited doctor (checkup)	74.0%
Visited dentist	70.9%
Cholesterol screening	92.3%
Teeth loss	9.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,854	11.1%

Disability	%
Any disability	11.4%
Under 18	3.5%
18–64 years	10.3%
65 and over	24.8%

Health insurance coverage

Type	%
Private insurance	79.4%
Public insurance	33.8%
No insurance	3.5%
Uninsured under 19	1.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	20,560	95.1%
Spanish	228	1.1%
Other Indo-European	202	1.0%
Asian & Pacific Islander	12	0.1%
Other languages	14	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	21,247	98.3%
Born in same state	21,123	97.7%
Born in different state	18,326	84.8%
Foreign born	124	0.6%
Naturalized citizen	364	1.7%
Not a US citizen	229	62.9%

Ancestry

Ancestry	Count	%
Italian	2,351	10.9%
French	2,215	10.2%
English	1,897	8.8%
Arab	752	3.5%
German	450	2.1%

Ancestry	Count	%
Polish	355	1.6%
Dutch	132	0.6%
Irish	79	0.4%
Norwegian	16	0.1%

Technology access

Metric	% of households
Computer access	39.1%
Internet access	93.7%

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

Frequently asked questions about ZIP code 49445

What city is ZIP code 49445 in?

ZIP code 49445 is primarily assigned to Muskegon, Michigan.

What county is ZIP code 49445 in?

ZIP code 49445 falls within Muskegon County, Michigan.

Is ZIP code 49445 mostly owner-occupied?

90% of occupied units in ZIP code 49445 are owner-occupied, well above the national average.

Does ZIP code 49445 have a large veteran population?

11% of civilians in ZIP code 49445 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 49445?

The median home value in ZIP code 49445 is $186,600.

What is the population of ZIP code 49445?

ZIP code 49445 has an estimated population of 21,611 residents, with a density of 354 people per square mile.

What timezone is ZIP code 49445 in?

ZIP code 49445 observes the EST timezone.