49682 ZIP Code — Suttons Bay, MI

Leelanau County, Michigan

ZIP code 49682 is located in Suttons Bay, Michigan, within Leelanau County. It covers approximately 41.24 square miles and serves a population of 4,543 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 231.

About ZIP code 49682

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $345,500. Owner-occupancy is high at 84%, well above the national average.

The gap between median ($78,274) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 6% is below the national average. 46% 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 27 minutes is near the national average.

Educational attainment is near the national average, with 41% of residents holding a bachelor's degree or higher.

Overall, ZIP code 49682 reflects a community defined by high homeownership and a significant Social Security-dependent population.

4,543

population

41.24

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49682 ZIP code map

Cities in ZIP code 49682

Below are the cities the US Postal Service accepts for ZIP code 49682. Using any city not on this list may result in mail delivery delays.

City	Status
Suttons Bay	Acceptable
Suttons Bay	Preferred

Nearby ZIP codes

49653 Lake Leelanau (4.6 mi) 49654 Leland (6.7 mi) 49621 Cedar (9.1 mi) 49629 Elk Rapids (12.4 mi) 49670 Northport (13.2 mi) 49686 Traverse City (13.3 mi) 49684 Traverse City (13.3 mi) 49664 Maple City (14 mi) 49685 Traverse City (14.1 mi) 49648 Kewadin (14.7 mi) 49696 Traverse City (15.7 mi) 49690 Williamsburg (17.6 mi)

Demographics updated 06/2026

Population
Total population	4,543
Population density	110 / sq mi
State FIPS	26
County FIPS	089

Geography
Land area	41.24 sq mi
Water area	5.69 sq mi
Latitude	44.9660
Longitude	-85.6413
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	32.0%	34.4%	42.6%
$50k – $100k	33.7%	35.1%	31.1%
$100k – $200k	28.9%	23.3%	20.6%
Over $200k	5.3%	7.2%	5.7%

Demographics & statistics

4,543

Population

110

People per sq mi

55.4

Median age

$78,274

Median household income

$46,280

Per capita income

$345,500

Median home value

$864

Median monthly rent

84.0%

Home ownership

6.2%

Poverty rate

4.8%

Unemployment

2,217

Housing units

41.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

101

104

15–19

111

120

20–24

129

211

25–34

226

152

35–44

164

254

45–54

273

253

55–59

271

180

60–64

194

382

65–74

411

242

75–84

259

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	653	14.4%
18 and over	3,890	85.6%
65 and over	1,416	31.2%
Median age	55.4 years

Race & ethnicity

White 77.7%

American Indian / Alaska Native 10.8%

Two or more races 5.5%

Hispanic or Latino 3.1%

Black or African American 1.3%

Asian 1.3%

Other race 0.2%

Group	Count	%
White	3,644	77.7%
American Indian / Alaska Native	507	10.8%
Two or more races	259	5.5%
Hispanic or Latino	147	3.1%
Black or African American	63	1.3%
Asian	59	1.3%
Other race	11	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	32.0%	34.4%	42.6%
$50k – $100k	33.7%	35.1%	31.1%
$100k – $200k	28.9%	23.3%	20.6%
Over $200k	5.3%	7.2%	5.7%

Under $10k 1.7%

$10k–$15k 1.1%

$15k–$25k 3.5%

$25k–$35k 3.9%

$35k–$50k 13.4%

$50k–$75k 22.2%

$75k–$100k 10.7%

$100k–$150k 23.6%

$150k–$200k 10.0%

$200k+ 9.9%

Range	% of households
Under $10k	1.7%
$10k–$15k	1.1%
$15k–$25k	3.5%
$25k–$35k	3.9%
$35k–$50k	13.4%
$50k–$75k	22.2%
$75k–$100k	10.7%
$100k–$150k	23.6%
$150k–$200k	10.0%
$200k+	9.9%
Median income	$78,274

Housing

Home values

Under $50k 4.1%

$50k–$100k 1.6%

$100k–$150k 3.6%

$150k–$200k 4.0%

$200k–$300k 27.9%

$300k–$500k 34.4%

$500k–$1M 20.4%

$1M+ 4.0%

Housing overview

Metric	Value
Median home value	$345,500
Median rent / month	$864
Owner occupied	84.0%
Renter occupied	16.0%
Vacant	26.9%
Single-family detached	78.3%
Large apartment buildings	0.1%
Mobile homes	2.7%
Median rooms	6.2
Avg household size (owned)	2.43

Year built

Era	%
2020 or later	0.2%
2010–2019	7.3%
2000–2009	23.1%
1990–1999	15.4%
1980–1989	19.5%
1970–1979	14.3%
1960–1969	7.4%
1950–1959	2.6%
1940–1949	4.7%
1939 or earlier	5.5%

Bedrooms

Size	% of units
No bedroom (studio)	0.1%
1 bedroom	6.1%
2 bedrooms	20.6%
3 bedrooms	44.3%
4 bedrooms	24.9%
5+ bedrooms	3.9%

Vehicles per household

Vehicles	% of households
No vehicle	3.8%
1 vehicle	29.4%
2 vehicles	40.0%
3 or more	26.8%

Heating fuel

Fuel type	%
Utility gas	59.7%
Electricity	6.6%
Propane / LP gas	26.6%
Fuel oil	3.7%
Wood	2.3%
Solar	0.4%

Households & families

Household type	Count	%
Married-couple family	1,181	64.4%
Cohabiting couple	66	3.6%
Male householder, no spouse	330	18.0%
Female householder, no spouse	258	14.1%
Households with children under 18	375	20.4%
Households with seniors (65+)	877	47.8%
Average household size	2.40

Marital status

Status	Male	Female
Never married	28.0%	19.5%
Married	59.2%	61.1%
Separated	1.9%	1.2%
Widowed	5.1%	7.7%
Divorced	5.8%	10.6%

Education

Less than 9th grade 1.4%

Some HS, no diploma 3.3%

HS graduate 23.8%

Some college, no degree 21.9%

Associate's degree 8.7%

Bachelor's degree 16.4%

Graduate / professional 24.6%

Metric	%
HS diploma or higher	95.4%
Bachelor's or higher	41.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	63	8.9%
Kindergarten	22	3.1%
Elementary school	310	43.8%
High school	183	25.9%
College / grad school	129	18.2%

Employment

Industry of employment

Education & healthcare 30.5%

Retail trade 14.3%

Professional & management 11.4%

Manufacturing 9.7%

Construction 8.2%

Arts, food & hospitality 6.8%

Other services 5.4%

Finance & real estate 5.3%

Agriculture & mining 2.9%

Wholesale trade 2.4%

Public administration 2.3%

Information 0.5%

Transportation & utilities 0.3%

Occupation

Category	%
Management, business & arts	47.2%
Service	17.0%
Sales & office	20.9%
Natural resources & construction	7.8%
Production & transportation	7.1%

Employment type

Type	%
Private sector	73.2%
Government	13.0%
Self-employed	13.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	83.4%
Carpool	2.7%
Public transit	0.2%
Walk	3.5%
Work from home	9.2%
Other means	0.9%
Avg commute (minutes)	27.1

Poverty

All people 6.2%

Under 18 years 14.1%

18 and over 4.9%

Married-couple families 1.6%

Female-led households 30.3%

Income support

Source	% of households
Social Security	46.2%
Retirement income	36.3%
Supplemental Security	4.1%
Cash public assistance	2.1%
Food stamps / SNAP	6.7%

Health indicators

Condition	%
Obesity	34.0%
High blood pressure	35.4%
High cholesterol	36.6%
Diabetes	11.6%
Heart disease	7.6%
Stroke	3.3%
Asthma	10.6%
Arthritis	32.6%
Kidney disease	3.2%
Pulmonary disease	7.6%
Cancer	8.6%

Behavior / access	%
Smoking	16.0%
Binge drinking	17.1%
No physical activity	19.2%
Less than 7 hrs sleep	31.7%
Depression	20.1%
Fair or poor health	13.4%
Poor mental health	14.2%
Poor physical health	10.6%
No health insurance	8.1%
Visited doctor (checkup)	76.7%
Visited dentist	73.8%
Cholesterol screening	93.8%
Teeth loss	10.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	310	8.0%

Disability	%
Any disability	15.0%
Under 18	8.6%
18–64 years	13.6%
65 and over	20.4%

Health insurance coverage

Type	%
Private insurance	77.1%
Public insurance	43.4%
No insurance	5.3%
Uninsured under 19	3.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,426	97.4%
Spanish	112	2.5%
Other Indo-European	76	1.7%
Asian & Pacific Islander	27	0.6%
Other languages	3	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,401	96.9%
Born in same state	4,370	96.2%
Born in different state	3,484	76.7%
Foreign born	31	0.7%
Naturalized citizen	142	3.1%
Not a US citizen	124	87.3%

Ancestry

Ancestry	Count	%
French	828	18.2%
Italian	561	12.3%
Polish	231	5.1%
English	132	2.9%

Ancestry	Count	%
Arab	53	1.2%
German	40	0.9%
Dutch	18	0.4%
Irish	11	0.2%

Technology access

Metric	% of households
Computer access	40.4%
Internet access	97.4%

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

Frequently asked questions about ZIP code 49682

What city is ZIP code 49682 in?

ZIP code 49682 is primarily assigned to Suttons Bay, Michigan.

What county is ZIP code 49682 in?

ZIP code 49682 falls within Leelanau County, Michigan.

Does ZIP code 49682 have an older population?

31% of residents in ZIP code 49682 are 65 or older, above the national average of ~17%.

Does ZIP code 49682 have a large retiree population?

46% of households in ZIP code 49682 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 49682 mostly owner-occupied?

84% of occupied units in ZIP code 49682 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 49682?

The median home value in ZIP code 49682 is $345,500.

What timezone is ZIP code 49682 in?

ZIP code 49682 observes the EST timezone.