49765 ZIP Code — Onaway, MI

Presque Isle County, Michigan

ZIP code 49765 is located in Onaway, Michigan, within Presque Isle County. It covers approximately 238.07 square miles and serves a population of 4,505 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 989.

About ZIP code 49765

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 $105,500. Owner-occupancy is high at 84%, well above the national average.

Median household income is $52,308. Poverty affects 19% of residents, above the national average. SNAP benefit usage at 17% of households reflects economic stress in the area. 45% 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 28 minutes is near the national average.

College attainment at 14% 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 49765 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

4,505

population

238.07

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49765 ZIP code map

Cities in ZIP code 49765

Below are the cities the US Postal Service accepts for ZIP code 49765. Using any city not on this list may result in mail delivery delays.

City	Status
Onaway	Preferred

Nearby ZIP codes

49759 Millersburg (8.6 mi) 49705 Afton (10.3 mi) 49799 Wolverine (15.7 mi) 49749 Indian River (15.9 mi) 49721 Cheboygan (18.8 mi) 49795 Vanderbilt (19.3 mi) 49743 Hawks (19.3 mi)

Demographics updated 06/2026

Population
Total population	4,505
Population density	19 / sq mi
State FIPS	26
County FIPS	141

Geography
Land area	238.07 sq mi
Water area	10.73 sq mi
Latitude	45.3468
Longitude	-84.2573
Timezone	Eastern (ET)
Area code	989

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	54.7%	51.4%	42.6%
$50k – $100k	35.2%	35.3%	31.1%
$100k – $200k	9.0%	11.0%	20.6%
Over $200k	1.2%	2.3%	5.7%

Demographics & statistics

4,505

Population

People per sq mi

46.7

Median age

$52,308

Median household income

$25,324

Per capita income

$105,500

Median home value

$639

Median monthly rent

83.8%

Home ownership

19.0%

Poverty rate

13.3%

Unemployment

2,546

Housing units

13.9%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

156

10–14

163

178

15–19

185

126

20–24

131

152

25–34

158

263

35–44

274

275

45–54

286

190

55–59

197

212

60–64

220

281

65–74

292

173

75–84

180

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	910	20.2%
18 and over	3,595	79.8%
65 and over	991	22.0%
Median age	46.7 years

Race & ethnicity

White 90.5%

Two or more races 5.2%

Hispanic or Latino 2.8%

Black or African American 0.6%

American Indian / Alaska Native 0.4%

Asian 0.3%

Other race 0.3%

Group	Count	%
White	4,194	90.5%
Two or more races	240	5.2%
Hispanic or Latino	128	2.8%
Black or African American	29	0.6%
American Indian / Alaska Native	18	0.4%
Asian	12	0.3%
Other race	12	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	54.7%	51.4%	42.6%
$50k – $100k	35.2%	35.3%	31.1%
$100k – $200k	9.0%	11.0%	20.6%
Over $200k	1.2%	2.3%	5.7%

Under $10k 6.1%

$10k–$15k 5.3%

$15k–$25k 10.9%

$25k–$35k 7.6%

$35k–$50k 18.8%

$50k–$75k 21.2%

$75k–$100k 14.7%

$100k–$150k 11.1%

$150k–$200k 2.5%

$200k+ 1.8%

Range	% of households
Under $10k	6.1%
$10k–$15k	5.3%
$15k–$25k	10.9%
$25k–$35k	7.6%
$35k–$50k	18.8%
$50k–$75k	21.2%
$75k–$100k	14.7%
$100k–$150k	11.1%
$150k–$200k	2.5%
$200k+	1.8%
Median income	$52,308

Housing

Home values

Under $50k 16.2%

$50k–$100k 31.4%

$100k–$150k 21.3%

$150k–$200k 12.3%

$200k–$300k 10.4%

$300k–$500k 6.1%

$500k–$1M 2.1%

$1M+ 0.2%

Housing overview

Metric	Value
Median home value	$105,500
Median rent / month	$639
Owner occupied	83.8%
Renter occupied	16.2%
Vacant	34.9%
Single-family detached	86.6%
Large apartment buildings	0.5%
Mobile homes	9.8%
Median rooms	5.3
Avg household size (owned)	2.45

Year built

Era	%
2020 or later	0.0%
2010–2019	3.9%
2000–2009	11.3%
1990–1999	16.5%
1980–1989	10.3%
1970–1979	16.9%
1960–1969	10.0%
1950–1959	7.7%
1940–1949	8.4%
1939 or earlier	14.8%

Bedrooms

Size	% of units
No bedroom (studio)	2.7%
1 bedroom	7.8%
2 bedrooms	31.5%
3 bedrooms	44.6%
4 bedrooms	10.4%
5+ bedrooms	3.0%

Vehicles per household

Vehicles	% of households
No vehicle	4.7%
1 vehicle	27.1%
2 vehicles	40.7%
3 or more	27.5%

Heating fuel

Fuel type	%
Utility gas	67.0%
Electricity	4.4%
Propane / LP gas	9.3%
Fuel oil	0.5%
Wood	18.7%

Households & families

Household type	Count	%
Married-couple family	1,032	55.7%
Cohabiting couple	171	9.2%
Male householder, no spouse	249	13.4%
Female householder, no spouse	400	21.6%
Households with children under 18	519	28.0%
Households with seniors (65+)	705	38.1%
Average household size	2.42

Marital status

Status	Male	Female
Never married	28.6%	25.5%
Married	56.5%	50.9%
Separated	2.4%	1.5%
Widowed	3.4%	9.3%
Divorced	9.1%	12.7%

Education

Less than 9th grade 2.9%

Some HS, no diploma 8.7%

HS graduate 41.0%

Some college, no degree 22.0%

Associate's degree 11.6%

Bachelor's degree 10.4%

Graduate / professional 3.5%

Metric	%
HS diploma or higher	88.4%
Bachelor's or higher	13.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	31	3.6%
Kindergarten	11	1.3%
Elementary school	369	42.3%
High school	321	36.8%
College / grad school	141	16.2%

Employment

Industry of employment

Education & healthcare 21.5%

Retail trade 15.4%

Arts, food & hospitality 12.6%

Construction 9.4%

Manufacturing 9.2%

Transportation & utilities 8.5%

Finance & real estate 4.8%

Professional & management 4.3%

Public administration 4.3%

Other services 3.7%

Agriculture & mining 3.0%

Information 1.8%

Wholesale trade 1.6%

Occupation

Category	%
Management, business & arts	26.8%
Service	22.3%
Sales & office	16.4%
Natural resources & construction	13.1%
Production & transportation	21.4%

Employment type

Type	%
Private sector	79.1%
Government	15.8%
Self-employed	5.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	79.3%
Carpool	12.2%
Public transit	0.0%
Walk	0.7%
Work from home	7.2%
Other means	0.6%
Avg commute (minutes)	28.3

Poverty

All people 19.0%

Under 18 years 24.0%

18 and over 17.8%

Married-couple families 6.6%

Female-led households 44.9%

Income support

Source	% of households
Social Security	44.7%
Retirement income	31.7%
Supplemental Security	9.6%
Cash public assistance	2.8%
Food stamps / SNAP	17.4%

Health indicators

Condition	%
Obesity	40.3%
High blood pressure	39.2%
High cholesterol	39.6%
Diabetes	13.6%
Heart disease	9.2%
Stroke	4.2%
Asthma	11.4%
Arthritis	36.0%
Kidney disease	3.8%
Pulmonary disease	10.9%
Cancer	8.3%

Behavior / access	%
Smoking	23.1%
Binge drinking	17.2%
No physical activity	24.6%
Less than 7 hrs sleep	33.6%
Depression	22.6%
Fair or poor health	18.6%
Poor mental health	16.5%
Poor physical health	13.6%
No health insurance	10.4%
Visited doctor (checkup)	76.0%
Visited dentist	63.6%
Cholesterol screening	91.6%
Teeth loss	15.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	376	10.5%

Disability	%
Any disability	21.1%
Under 18	11.4%
18–64 years	17.5%
65 and over	39.5%

Health insurance coverage

Type	%
Private insurance	60.7%
Public insurance	54.1%
No insurance	5.4%
Uninsured under 19	1.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,332	96.2%
Spanish	20	0.5%
Other Indo-European	6	0.1%
Asian & Pacific Islander	10	0.2%
Other languages	4	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,467	99.2%
Born in same state	4,458	99.0%
Born in different state	4,004	88.9%
Foreign born	9	0.2%
Naturalized citizen	38	0.8%
Not a US citizen	23	60.5%

Ancestry

Ancestry	Count	%
French	586	13%
Italian	508	11.3%
Arab	415	9.2%
German	151	3.4%
English	57	1.3%

Ancestry	Count	%
Polish	46	1%
Irish	20	0.4%
Dutch	12	0.3%
Norwegian	2	0%

Technology access

Metric	% of households
Computer access	41.1%
Internet access	88.6%

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

Frequently asked questions about ZIP code 49765

What city is ZIP code 49765 in?

ZIP code 49765 is primarily assigned to Onaway, Michigan.

What county is ZIP code 49765 in?

ZIP code 49765 falls within Presque Isle County, Michigan.

Does ZIP code 49765 have a large retiree population?

45% of households in ZIP code 49765 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 49765?

19% of residents in ZIP code 49765 live below the poverty line, above the national average.

How educated is the population of ZIP code 49765?

14% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Is ZIP code 49765 mostly owner-occupied?

84% of occupied units in ZIP code 49765 are owner-occupied, well above the national average.

What timezone is ZIP code 49765 in?

ZIP code 49765 observes the EST timezone.