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Michigan ZIP Codes
Cheboygan County
Topinabee, MI
49791
49791 ZIP Code — Topinabee, MI
Cheboygan County, Michigan
ZIP code 49791 is located in
Topinabee ,
Michigan ,
within Cheboygan County .
It covers approximately 0.52 square miles and serves a population of
215 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 231 .
About ZIP code 49791
The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $226,000. Owner-occupancy is high at 82%, well above the national average.
Median household income is $60,875. 64% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is sales and office, with professional and management as the leading industry. The average commute of 15 minutes is near the national average.
College attainment at 20% is below the national average, consistent with a trades and production-oriented local economy.
17% of residents lack health insurance, above the national average.
Notable community characteristics include a notable veteran presence at 16% of civilians, above the national average of 7%.
Overall, ZIP code 49791 reflects a community defined by a trades-oriented workforce, a strong veteran community, high homeownership, and a significant Social Security-dependent population.
49791 ZIP code map
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Cities in ZIP code 49791
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Demographics
updated 06/2026
Population
Total population
215
Population density
413 / sq mi
State FIPS
26
County FIPS
031
Geography
Land area
0.52 sq mi
Water area
0.00 sq mi
Latitude
45.4813
Longitude
-84.5916
Timezone
Eastern (ET)
Area code
231
Economics
updated 06/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
35.2%
51.3%
42.6%
$50k – $100k
41.5%
34.0%
31.1%
$100k – $200k
12.7%
12.5%
20.6%
Over $200k
10.6%
2.2%
5.7%
Demographics & statistics
$60,875
Median household income
$226,000
Median home value
19.5%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 41 19.1% 18 and over 174 80.9% 65 and over 95 44.2% Median age 60.8 years
Race & ethnicity
Group Count % White 200 87% Hispanic or Latino 15 6.5% Two or more races 15 6.5%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
35.2%
51.3%
42.6%
$50k – $100k
41.5%
34.0%
31.1%
$100k – $200k
12.7%
12.5%
20.6%
Over $200k
10.6%
2.2%
5.7%
Range % of households $15k–$25k 3.2% $25k–$35k 4.2% $35k–$50k 27.4% $50k–$75k 30.5% $75k–$100k 9.5% $100k–$150k 22.1% $200k+ 3.2% Median income $60,875
Housing
Housing overview
Metric Value Median home value $226,000 Median rent / month $0 Owner occupied 82.1% Renter occupied 17.9% Vacant 58.5% Single-family detached 89.1% Large apartment buildings 0.0% Mobile homes 10.0% Median rooms 5.9 Avg household size (owned) 2.06
Year built
Era % 2020 or later 1.3% 2010–2019 0.0% 2000–2009 20.5% 1990–1999 18.8% 1980–1989 8.3% 1970–1979 10.0% 1960–1969 1.3% 1950–1959 3.1% 1940–1949 8.3% 1939 or earlier 28.4%
Bedrooms
Size % of units No bedroom (studio) 1.7% 1 bedroom 3.1% 2 bedrooms 21.0% 3 bedrooms 39.3% 4 bedrooms 29.7% 5+ bedrooms 5.2%
Vehicles per household
Vehicles % of households No vehicle 3.2% 1 vehicle 25.3% 2 vehicles 67.4% 3 or more 4.2%
Heating fuel
Fuel type % Utility gas 80.0% Propane / LP gas 7.4% No fuel used 2.1%
Households & families
Household type Count % Married-couple family 64 67.4% Cohabiting couple 4 4.2% Male householder, no spouse 20 21.1% Female householder, no spouse 7 7.4% Households with children under 18 22 23.2% Households with seniors (65+) 63 66.3% Average household size 2.26
Marital status
Status Male Female Never married 19.6% 5.6% Married 73.8% 90.3% Separated 0.0% 0.0% Widowed 2.8% 4.2% Divorced 3.7% 0.0%
Education
Some college, no degree
19.0%
Graduate / professional
2.3%
Metric % HS diploma or higher 95.4% Bachelor's or higher 19.5%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 4 10.3% Kindergarten 5 12.8% Elementary school 21 53.8% High school 5 12.8% College / grad school 4 10.3%
Employment
Industry of employment
Professional & management
22.4%
Arts, food & hospitality
21.1%
Finance & real estate
18.4%
Education & healthcare
11.8%
Public administration
6.6%
Occupation
Category % Management, business & arts 18.4% Service 28.9% Sales & office 48.7% Natural resources & construction 0.0% Production & transportation 3.9%
Employment type
Type % Private sector 82.9% Government 11.8% Self-employed 5.3% Unpaid family workers 0.0%
Commute
Method % Drive alone 77.0% Carpool 5.4% Public transit 0.0% Walk 0.0% Work from home 17.6% Other means 0.0% Avg commute (minutes) 14.8
Poverty
Married-couple families
9.4%
Female-led households
0.0%
Income support
Source % of households Social Security 64.2% Retirement income 43.2% Supplemental Security 4.2% Cash public assistance 0.0% Food stamps / SNAP 2.1%
Health indicators
Condition % Obesity 37.2% High blood pressure 37.0% High cholesterol 38.9% Diabetes 12.1% Heart disease 8.2% Stroke 3.6% Asthma 10.7% Arthritis 35.3% Kidney disease 3.4% Pulmonary disease 8.6% Cancer 9.1%
Behavior / access % Smoking 17.9% Binge drinking 16.6% No physical activity 19.6% Less than 7 hrs sleep 31.4% Depression 20.9% Fair or poor health 14.5% Poor mental health 14.4% Poor physical health 11.2% No health insurance 7.9% Visited doctor (checkup) 77.5% Visited dentist 71.8% Cholesterol screening 93.8% Teeth loss 10.7%
Veterans & disability
Veterans Count % Civilian veterans 28 16.1%
Disability % Any disability 15.3% Under 18 0.0% 18–64 years 5.1% 65 and over 30.5%
Health insurance coverage
Type % Private insurance 55.3% Public insurance 55.3% No insurance 17.2% Uninsured under 19 53.7%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 205 95.3% Spanish 0 0.0% Other Indo-European 0 0.0% Asian & Pacific Islander 0 0.0% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 215 100.0% Born in same state 215 100.0% Born in different state 187 87.0% Foreign born 0 0.0% Naturalized citizen 0 0.0% Not a US citizen 0 0.0%
Ancestry
Ancestry Count % French 53 24.7% English 35 16.3% Italian 25 11.6%
Ancestry Count % Irish 3 1.4% Dutch 3 1.4%
Technology access
Metric % of households Computer access 44.2% Internet access 100.0%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 49791
What city is ZIP code 49791 in?
ZIP code 49791 is primarily assigned to Topinabee, Michigan.
What county is ZIP code 49791 in?
ZIP code 49791 falls within Cheboygan County, Michigan.
Does ZIP code 49791 have an older population?
44% of residents in ZIP code 49791 are 65 or older, above the national average of ~17%.
Does ZIP code 49791 have a large retiree population?
64% of households in ZIP code 49791 receive Social Security income, suggesting a significant retiree or disability population.
Is ZIP code 49791 mostly owner-occupied?
82% of occupied units in ZIP code 49791 are owner-occupied, well above the national average.
What is the poverty rate in ZIP code 49791?
16% of residents in ZIP code 49791 live below the poverty line, above the national average.
What timezone is ZIP code 49791 in?
ZIP code 49791 observes the EST timezone.
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