49770 ZIP Code — Petoskey, MI

Emmet County, Michigan

ZIP code 49770 is located in Petoskey, Michigan, within Emmet County. It covers approximately 109.39 square miles and serves a population of 17,555 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 231.

About ZIP code 49770

The housing stock consists of a mix of housing types. Most homes were built in the 1990s, giving the area an established character. Median home value is $269,800. Owner-occupancy sits near the national average at 68%.

The gap between median ($76,971) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 7% is below the national average. 36% 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.

Educational attainment is near the national average, with 43% of residents holding a bachelor's degree or higher.

17,555

population

109.39

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49770 ZIP code map

Cities in ZIP code 49770

Below are the cities the US Postal Service accepts for ZIP code 49770. Using any city not on this list may result in mail delivery delays.

City	Status
Petoskey	Acceptable
Petoskey	Preferred

Nearby ZIP codes

49706 Alanson (9.8 mi) 49713 Boyne Falls (9.9 mi) 49712 Boyne City (11.1 mi) 49740 Harbor Springs (14.4 mi) 49727 East Jordan (15.6 mi) 49769 Pellston (16.2 mi) 49720 Charlevoix (16.3 mi) 49799 Wolverine (17.2 mi) 49749 Indian River (17.7 mi) 49730 Elmira (19.9 mi)

Demographics updated 06/2026

Population
Total population	17,555
Population density	160 / sq mi
State FIPS	26
County FIPS	047

Geography
Land area	109.39 sq mi
Water area	17.86 sq mi
Latitude	45.3423
Longitude	-84.9135
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	38.5%	42.7%	42.6%
$50k – $100k	33.8%	33.8%	31.1%
$100k – $200k	20.0%	17.5%	20.6%
Over $200k	7.7%	6.0%	5.7%

Demographics & statistics

17,555

Population

160

People per sq mi

44.9

Median age

$76,971

Median household income

$45,637

Per capita income

$269,800

Median home value

$1,010

Median monthly rent

68.3%

Home ownership

7.0%

Poverty rate

2.1%

Unemployment

7,698

Housing units

43.0%

Bachelor's or higher

Age distribution

Male Female

335

Under 5

367

459

5–9

502

10–14

549

571

15–19

624

478

20–24

522

1,003

25–34

1,097

856

35–44

936

1,052

45–54

1,150

639

55–59

699

744

60–64

814

971

65–74

1,062

539

75–84

590

236

85+

258

← Male

Female →

Age summary

Group	Count	%
Under 18	3,438	19.6%
18 and over	14,117	80.4%
65 and over	3,656	20.8%
Median age	44.9 years

Race & ethnicity

White 93.4%

Two or more races 3.7%

American Indian / Alaska Native 1%

Hispanic or Latino 0.7%

Black or African American 0.6%

Asian 0.3%

Other race 0.3%

Group	Count	%
White	16,512	93.4%
Two or more races	657	3.7%
American Indian / Alaska Native	175	1%
Hispanic or Latino	122	0.7%
Black or African American	111	0.6%
Asian	52	0.3%
Other race	48	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	38.5%	42.7%	42.6%
$50k – $100k	33.8%	33.8%	31.1%
$100k – $200k	20.0%	17.5%	20.6%
Over $200k	7.7%	6.0%	5.7%

Under $10k 2.6%

$10k–$15k 3.8%

$15k–$25k 5.9%

$25k–$35k 9.3%

$35k–$50k 8.0%

$50k–$75k 18.7%

$75k–$100k 15.3%

$100k–$150k 16.6%

$150k–$200k 8.2%

$200k+ 11.7%

Range	% of households
Under $10k	2.6%
$10k–$15k	3.8%
$15k–$25k	5.9%
$25k–$35k	9.3%
$35k–$50k	8.0%
$50k–$75k	18.7%
$75k–$100k	15.3%
$100k–$150k	16.6%
$150k–$200k	8.2%
$200k+	11.7%
Median income	$76,971

Housing

Home values

Under $50k 5.0%

$50k–$100k 2.4%

$100k–$150k 11.5%

$150k–$200k 13.7%

$200k–$300k 24.9%

$300k–$500k 25.8%

$500k–$1M 11.1%

$1M+ 5.6%

Housing overview

Metric	Value
Median home value	$269,800
Median rent / month	$1,010
Owner occupied	68.3%
Renter occupied	31.7%
Vacant	26.3%
Single-family detached	66.7%
Large apartment buildings	4.7%
Mobile homes	3.3%
Median rooms	6.1
Avg household size (owned)	2.57

Year built

Era	%
2020 or later	0.1%
2010–2019	5.6%
2000–2009	14.6%
1990–1999	20.8%
1980–1989	11.7%
1970–1979	13.7%
1960–1969	6.0%
1950–1959	5.7%
1940–1949	4.8%
1939 or earlier	17.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.8%
1 bedroom	7.2%
2 bedrooms	24.9%
3 bedrooms	41.2%
4 bedrooms	19.3%
5+ bedrooms	6.5%

Vehicles per household

Vehicles	% of households
No vehicle	7.0%
1 vehicle	34.7%
2 vehicles	39.0%
3 or more	19.2%

Heating fuel

Fuel type	%
Utility gas	64.3%
Electricity	12.8%
Propane / LP gas	14.8%
Fuel oil	0.4%
Wood	5.7%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	3,804	51.4%
Cohabiting couple	475	6.4%
Male householder, no spouse	1,040	14.1%
Female householder, no spouse	2,080	28.1%
Households with children under 18	1,843	24.9%
Households with seniors (65+)	2,634	35.6%
Average household size	2.33

Marital status

Status	Male	Female
Never married	29.9%	24.3%
Married	59.8%	51.1%
Separated	0.6%	0.1%
Widowed	0.9%	9.5%
Divorced	8.7%	15.0%

Education

Less than 9th grade 0.5%

Some HS, no diploma 3.2%

HS graduate 22.5%

Some college, no degree 20.7%

Associate's degree 10.1%

Bachelor's degree 24.0%

Graduate / professional 19.0%

Metric	%
HS diploma or higher	96.3%
Bachelor's or higher	43.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	150	4.2%
Kindergarten	232	6.4%
Elementary school	1,528	42.3%
High school	999	27.7%
College / grad school	704	19.5%

Employment

Industry of employment

Education & healthcare 26.6%

Arts, food & hospitality 16.4%

Retail trade 13.7%

Manufacturing 8.0%

Professional & management 7.8%

Construction 7.4%

Finance & real estate 5.3%

Public administration 5.1%

Transportation & utilities 3.5%

Other services 3.5%

Wholesale trade 1.2%

Agriculture & mining 1.0%

Information 0.6%

Occupation

Category	%
Management, business & arts	39.5%
Service	22.5%
Sales & office	21.3%
Natural resources & construction	7.5%
Production & transportation	9.2%

Employment type

Type	%
Private sector	78.0%
Government	14.0%
Self-employed	7.8%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	72.5%
Carpool	10.8%
Public transit	0.3%
Walk	6.4%
Work from home	7.0%
Other means	2.9%
Avg commute (minutes)	18.6

Poverty

All people 7.0%

Under 18 years 7.6%

18 and over 6.8%

Married-couple families 2.3%

Female-led households 15.7%

Income support

Source	% of households
Social Security	36.4%
Retirement income	32.7%
Supplemental Security	6.3%
Cash public assistance	2.4%
Food stamps / SNAP	5.1%

Health indicators

Condition	%
Obesity	34.2%
High blood pressure	31.6%
High cholesterol	34.3%
Diabetes	10.0%
Heart disease	6.5%
Stroke	2.9%
Asthma	10.8%
Arthritis	28.9%
Kidney disease	2.9%
Pulmonary disease	7.0%
Cancer	7.3%

Behavior / access	%
Smoking	16.8%
Binge drinking	19.2%
No physical activity	18.1%
Less than 7 hrs sleep	30.6%
Depression	22.0%
Fair or poor health	12.7%
Poor mental health	15.5%
Poor physical health	10.0%
No health insurance	7.8%
Visited doctor (checkup)	75.1%
Visited dentist	72.9%
Cholesterol screening	91.8%
Teeth loss	10.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	783	5.6%

Disability	%
Any disability	12.5%
Under 18	6.0%
18–64 years	11.0%
65 and over	23.0%

Health insurance coverage

Type	%
Private insurance	73.8%
Public insurance	38.5%
No insurance	5.0%
Uninsured under 19	4.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	16,853	96.0%
Spanish	136	0.8%
Other Indo-European	66	0.4%
Asian & Pacific Islander	67	0.4%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	17,272	98.4%
Born in same state	17,070	97.2%
Born in different state	14,281	81.4%
Foreign born	202	1.2%
Naturalized citizen	283	1.6%
Not a US citizen	179	63.3%

Ancestry

Ancestry	Count	%
French	2,490	14.2%
Italian	2,223	12.7%
Arab	920	5.2%
English	799	4.6%
German	321	1.8%

Ancestry	Count	%
Polish	143	0.8%
Dutch	122	0.7%
Irish	76	0.4%
Norwegian	41	0.2%

Technology access

Metric	% of households
Computer access	42.1%
Internet access	94.1%

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

Frequently asked questions about ZIP code 49770

What city is ZIP code 49770 in?

ZIP code 49770 is primarily assigned to Petoskey, Michigan.

What county is ZIP code 49770 in?

ZIP code 49770 falls within Emmet County, Michigan.

Does ZIP code 49770 have a large retiree population?

36% of households in ZIP code 49770 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 49770?

ZIP code 49770 has an estimated population of 17,555 residents, with a density of 160 people per square mile.

What is the typical home value in ZIP code 49770?

The median home value in ZIP code 49770 is $269,800.

What is the median household income in ZIP code 49770?

The median household income in ZIP code 49770 is $76,971, above the national median of ~$75,000.

What timezone is ZIP code 49770 in?

ZIP code 49770 observes the EST timezone.