49684 ZIP Code — Traverse City, MI

Grand Traverse County, Michigan

ZIP code 49684 is located in Traverse City, Michigan, within Grand Traverse County. It covers approximately 52.75 square miles and serves a population of 21,171 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 231.

About ZIP code 49684

The housing stock consists of a mix of housing types. Most homes were built in the pre-1940, giving the area an established character. Median home value is $342,800. Owner-occupancy sits near the national average at 68%.

The gap between median ($73,730) and mean household income suggests income inequality — a small number of higher earners pull the average up. 43% 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 45% of residents holding a bachelor's degree or higher.

21,171

population

52.75

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49684 ZIP code map

Cities in ZIP code 49684

Below are the cities the US Postal Service accepts for ZIP code 49684. Using any city not on this list may result in mail delivery delays.

City	Status
Traverse City	Preferred

Nearby ZIP codes

49685 Traverse City (5.3 mi) 49621 Cedar (5.8 mi) 49696 Traverse City (7 mi) 49650 Lake Ann (8.2 mi) 49664 Maple City (10.3 mi) 49637 Grawn (10.5 mi) 49643 Interlochen (11.8 mi) 49686 Traverse City (12 mi) 49630 Empire (13.1 mi) 49682 Suttons Bay (13.3 mi) 49653 Lake Leelanau (13.8 mi) 49636 Glen Arbor (14.2 mi)

Demographics updated 05/2026

Population
Total population	21,171
Population density	401 / sq mi
State FIPS	26
County FIPS	055

Geography
Land area	52.75 sq mi
Water area	4.79 sq mi
Latitude	44.7832
Longitude	-85.7249
Timezone	Eastern (ET)
Area code	231

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	39.8%	37.6%	42.6%
$50k – $100k	33.7%	34.2%	31.1%
$100k – $200k	20.1%	21.9%	20.6%
Over $200k	6.3%	6.3%	5.7%

Demographics & statistics

21,171

Population

401

People per sq mi

48.8

Median age

$73,730

Median household income

$48,744

Per capita income

$342,800

Median home value

$1,151

Median monthly rent

67.7%

Home ownership

9.3%

Poverty rate

4.2%

Unemployment

7,661

Housing units

44.6%

Bachelor's or higher

Age distribution

Male Female

439

Under 5

462

503

5–9

528

544

10–14

573

484

15–19

509

514

20–24

541

1,192

25–34

1,254

1,054

35–44

1,109

1,260

45–54

1,325

665

55–59

699

869

60–64

914

1,482

65–74

1,559

679

75–84

715

633

85+

665

← Male

Female →

Age summary

Group	Count	%
Under 18	3,667	17.3%
18 and over	17,504	82.7%
65 and over	5,733	27.1%
Median age	48.8 years

Race & ethnicity

White 90.9%

Two or more races 3.3%

Hispanic or Latino 2%

American Indian / Alaska Native 1.3%

Asian 1%

Black or African American 0.8%

Other race 0.6%

Group	Count	%
White	19,636	90.9%
Two or more races	720	3.3%
Hispanic or Latino	432	2%
American Indian / Alaska Native	286	1.3%
Asian	209	1%
Black or African American	178	0.8%
Other race	135	0.6%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	39.8%	37.6%	42.6%
$50k – $100k	33.7%	34.2%	31.1%
$100k – $200k	20.1%	21.9%	20.6%
Over $200k	6.3%	6.3%	5.7%

Under $10k 4.9%

$10k–$15k 1.9%

$15k–$25k 7.5%

$25k–$35k 11.3%

$35k–$50k 9.6%

$50k–$75k 15.4%

$75k–$100k 15.0%

$100k–$150k 15.6%

$150k–$200k 7.8%

$200k+ 11.0%

Range	% of households
Under $10k	4.9%
$10k–$15k	1.9%
$15k–$25k	7.5%
$25k–$35k	11.3%
$35k–$50k	9.6%
$50k–$75k	15.4%
$75k–$100k	15.0%
$100k–$150k	15.6%
$150k–$200k	7.8%
$200k+	11.0%
Median income	$73,730

Housing

Home values

Under $50k 2.2%

$50k–$100k 1.2%

$100k–$150k 2.9%

$150k–$200k 9.0%

$200k–$300k 25.2%

$300k–$500k 36.5%

$500k–$1M 18.0%

$1M+ 5.0%

Housing overview

Metric	Value
Median home value	$342,800
Median rent / month	$1,151
Owner occupied	67.7%
Renter occupied	32.3%
Vacant	14.2%
Single-family detached	64.0%
Large apartment buildings	12.6%
Mobile homes	1.1%
Median rooms	5.6
Avg household size (owned)	2.48

Year built

Era	%
2020 or later	0.4%
2010–2019	9.4%
2000–2009	15.1%
1990–1999	15.1%
1980–1989	11.0%
1970–1979	14.0%
1960–1969	5.4%
1950–1959	4.1%
1940–1949	3.3%
1939 or earlier	22.2%

Bedrooms

Size	% of units
No bedroom (studio)	1.7%
1 bedroom	11.7%
2 bedrooms	29.1%
3 bedrooms	35.2%
4 bedrooms	17.0%
5+ bedrooms	5.4%

Vehicles per household

Vehicles	% of households
No vehicle	11.5%
1 vehicle	36.9%
2 vehicles	32.7%
3 or more	18.9%

Heating fuel

Fuel type	%
Utility gas	71.1%
Electricity	16.6%
Propane / LP gas	8.5%
Fuel oil	0.6%
Wood	1.2%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	4,141	45.5%
Cohabiting couple	644	7.1%
Male householder, no spouse	1,612	17.7%
Female householder, no spouse	2,701	29.7%
Households with children under 18	1,915	21.0%
Households with seniors (65+)	3,966	43.6%
Average household size	2.24

Marital status

Status	Male	Female
Never married	29.9%	24.0%
Married	50.5%	46.2%
Separated	0.7%	0.7%
Widowed	3.4%	12.6%
Divorced	15.5%	16.4%

Education

Less than 9th grade 1.6%

Some HS, no diploma 2.8%

HS graduate 19.4%

Some college, no degree 22.1%

Associate's degree 9.5%

Bachelor's degree 23.8%

Graduate / professional 20.9%

Metric	%
HS diploma or higher	95.6%
Bachelor's or higher	44.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	214	5.6%
Kindergarten	179	4.7%
Elementary school	1,740	45.3%
High school	763	19.9%
College / grad school	947	24.6%

Employment

Industry of employment

Education & healthcare 27.8%

Professional & management 12.5%

Retail trade 12.3%

Arts, food & hospitality 10.8%

Finance & real estate 8.2%

Manufacturing 7.8%

Construction 4.9%

Transportation & utilities 4.7%

Other services 4.3%

Public administration 2.7%

Information 1.6%

Wholesale trade 1.3%

Agriculture & mining 1.2%

Occupation

Category	%
Management, business & arts	44.4%
Service	17.9%
Sales & office	21.4%
Natural resources & construction	5.7%
Production & transportation	10.5%

Employment type

Type	%
Private sector	80.6%
Government	10.3%
Self-employed	8.7%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	70.3%
Carpool	5.7%
Public transit	0.9%
Walk	4.4%
Work from home	13.0%
Other means	5.7%
Avg commute (minutes)	19.3

Poverty

All people 9.3%

Under 18 years 15.9%

18 and over 7.8%

Married-couple families 2.1%

Female-led households 17.8%

Income support

Source	% of households
Social Security	43.1%
Retirement income	37.4%
Supplemental Security	4.8%
Cash public assistance	1.7%
Food stamps / SNAP	7.0%

Health indicators

Condition	%
Obesity	34.1%
High blood pressure	32.2%
High cholesterol	33.4%
Diabetes	9.8%
Heart disease	6.5%
Stroke	2.9%
Asthma	10.6%
Arthritis	28.9%
Kidney disease	2.8%
Pulmonary disease	6.9%
Cancer	7.4%

Behavior / access	%
Smoking	17.1%
Binge drinking	19.7%
No physical activity	17.6%
Less than 7 hrs sleep	29.5%
Depression	21.2%
Fair or poor health	12.5%
Poor mental health	15.2%
Poor physical health	9.9%
No health insurance	7.9%
Visited doctor (checkup)	74.7%
Visited dentist	72.3%
Cholesterol screening	91.9%
Teeth loss	10.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,477	8.4%

Disability	%
Any disability	13.8%
Under 18	1.2%
18–64 years	10.1%
65 and over	30.3%

Health insurance coverage

Type	%
Private insurance	78.2%
Public insurance	39.7%
No insurance	4.2%
Uninsured under 19	0.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	20,270	95.7%
Spanish	105	0.5%
Other Indo-European	13	0.1%
Asian & Pacific Islander	90	0.4%
Other languages	2	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	20,721	97.9%
Born in same state	20,448	96.6%
Born in different state	15,892	75.1%
Foreign born	273	1.3%
Naturalized citizen	450	2.1%
Not a US citizen	269	59.8%

Ancestry

Ancestry	Count	%
French	3,233	15.3%
Italian	2,564	12.1%
Arab	1,331	6.3%
English	866	4.1%
Polish	511	2.4%

Ancestry	Count	%
German	186	0.9%
Dutch	167	0.8%
Irish	133	0.6%
Norwegian	68	0.3%

Technology access

Metric	% of households
Computer access	43.0%
Internet access	94.1%

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

Frequently asked questions about ZIP code 49684

What city is ZIP code 49684 in?

ZIP code 49684 is primarily assigned to Traverse City, Michigan.

What county is ZIP code 49684 in?

ZIP code 49684 falls within Grand Traverse County, Michigan.

Does ZIP code 49684 have an older population?

27% of residents in ZIP code 49684 are 65 or older, above the national average of ~17%.

Does ZIP code 49684 have a large retiree population?

43% of households in ZIP code 49684 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 49684?

The median home value in ZIP code 49684 is $342,800.

What is the population of ZIP code 49684?

ZIP code 49684 has an estimated population of 21,171 residents, with a density of 401 people per square mile.

What timezone is ZIP code 49684 in?

ZIP code 49684 observes the EST timezone.