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Michigan ZIP Codes
Charlevoix County
Walloon Lake, MI
49796
49796 ZIP Code — Walloon Lake, MI
Charlevoix County, Michigan
ZIP code 49796 is located in
Walloon Lake ,
Michigan ,
within Charlevoix County .
It covers approximately 1.58 square miles and serves a population of
375 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 231 .
About ZIP code 49796
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 $225,900. Owner-occupancy is high at 79%, well above the national average.
The gap between median ($89,219) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 3% is below the national average. 30% 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 high — 50% of residents hold a bachelor's degree or higher, well above the national average of 33%.
Overall, ZIP code 49796 reflects a community defined by high homeownership and a significant Social Security-dependent population.
49796 ZIP code map
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Cities in ZIP code 49796
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Demographics
updated 05/2026
Population
Total population
375
Population density
237 / sq mi
State FIPS
26
County FIPS
029
Geography
Land area
1.58 sq mi
Water area
0.43 sq mi
Latitude
45.2660
Longitude
-84.9380
Timezone
Eastern (ET)
Area code
231
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
30.9%
41.1%
42.6%
$50k – $100k
47.5%
36.5%
31.1%
$100k – $200k
13.6%
17.0%
20.6%
Over $200k
8.0%
5.4%
5.7%
Demographics & statistics
$89,219
Median household income
$225,900
Median home value
$1,307
Median monthly rent
50.0%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 71 18.9% 18 and over 304 81.1% 65 and over 91 24.3% Median age 45.4 years
Race & ethnicity
Group Count % White 368 96.8% Hispanic or Latino 5 1.3% Other race 5 1.3% Two or more races 2 0.5%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
30.9%
41.1%
42.6%
$50k – $100k
47.5%
36.5%
31.1%
$100k – $200k
13.6%
17.0%
20.6%
Over $200k
8.0%
5.4%
5.7%
Range % of households Under $10k 6.7% $25k–$35k 12.8% $35k–$50k 5.6% $50k–$75k 10.1% $75k–$100k 16.2% $100k–$150k 22.9% $150k–$200k 6.7% $200k+ 19.0% Median income $89,219
Housing
Housing overview
Metric Value Median home value $225,900 Median rent / month $1,307 Owner occupied 79.3% Renter occupied 20.7% Vacant 30.9% Single-family detached 93.8% Large apartment buildings 0.0% Mobile homes 0.0% Median rooms 6.0 Avg household size (owned) 1.94
Year built
Era % 2020 or later 0.0% 2010–2019 7.3% 2000–2009 12.4% 1990–1999 7.3% 1980–1989 13.9% 1970–1979 21.6% 1960–1969 0.0% 1950–1959 19.7% 1940–1949 0.0% 1939 or earlier 17.8%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 6.9% 2 bedrooms 17.0% 3 bedrooms 32.0% 4 bedrooms 37.5% 5+ bedrooms 6.6%
Vehicles per household
Vehicles % of households No vehicle 3.9% 1 vehicle 21.8% 2 vehicles 51.4% 3 or more 22.9%
Heating fuel
Fuel type % Utility gas 50.8% Electricity 17.3% Propane / LP gas 16.8% Fuel oil 1.7% Wood 9.5% No fuel used 3.9%
Households & families
Household type Count % Married-couple family 109 60.9% Cohabiting couple 8 4.5% Male householder, no spouse 40 22.3% Female householder, no spouse 22 12.3% Households with children under 18 37 20.7% Households with seniors (65+) 58 32.4% Average household size 2.06
Marital status
Status Male Female Never married 24.0% 7.1% Married 62.6% 75.0% Separated 0.0% 0.0% Widowed 0.0% 15.7% Divorced 13.4% 2.1%
Education
Some college, no degree
24.2%
Graduate / professional
12.9%
Metric % HS diploma or higher 98.0% Bachelor's or higher 50.0%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 4 5.3% Kindergarten 0 0.0% Elementary school 43 57.3% High school 15 20.0% College / grad school 13 17.3%
Employment
Industry of employment
Education & healthcare
32.8%
Professional & management
10.1%
Arts, food & hospitality
10.1%
Public administration
10.1%
Transportation & utilities
6.3%
Finance & real estate
2.1%
Occupation
Category % Management, business & arts 44.4% Service 21.2% Sales & office 9.0% Natural resources & construction 9.5% Production & transportation 15.9%
Employment type
Type % Private sector 81.0% Government 10.1% Self-employed 9.0% Unpaid family workers 0.0%
Commute
Method % Drive alone 92.1% Carpool 2.1% Public transit 0.0% Walk 0.0% Work from home 2.1% Other means 3.7% Avg commute (minutes) 18.6
Poverty
Married-couple families
0.0%
Female-led households
0.0%
Income support
Source % of households Social Security 30.2% Retirement income 19.0% Supplemental Security 0.0% Cash public assistance 0.0% Food stamps / SNAP 0.0%
Health indicators
Condition % Obesity 36.2% High blood pressure 40.7% High cholesterol 41.2% Diabetes 13.1% Heart disease 9.5% Stroke 4.2% Asthma 10.5% Arthritis 36.2% Kidney disease 3.9% Pulmonary disease 9.5% Cancer 9.3%
Behavior / access % Smoking 17.2% Binge drinking 15.9% No physical activity 21.6% Less than 7 hrs sleep 31.0% Depression 20.0% Fair or poor health 16.0% Poor mental health 14.2% Poor physical health 12.1% No health insurance 7.9% Visited doctor (checkup) 77.7% Visited dentist 71.4% Cholesterol screening 93.3% Teeth loss 12.7%
Veterans & disability
Veterans Count % Civilian veterans 21 6.9%
Disability % Any disability 8.3% Under 18 7.0% 18–64 years 2.8% 65 and over 22.0%
Health insurance coverage
Type % Private insurance 85.9% Public insurance 29.6% No insurance 1.6% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 364 97.1% 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) 375 100.0% Born in same state 371 98.9% Born in different state 294 78.4% Foreign born 4 1.1% Naturalized citizen 0 0.0% Not a US citizen 0 0.0%
Ancestry
Ancestry Count % French 89 23.7% Irish 46 12.3% Italian 36 9.6% English 27 7.2%
Ancestry Count % Polish 5 1.3% Norwegian 3 0.8% Dutch 3 0.8%
Technology access
Metric % of households Computer access 47.7% Internet access 93.3%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 49796
What city is ZIP code 49796 in?
ZIP code 49796 is primarily assigned to Walloon Lake, Michigan.
What county is ZIP code 49796 in?
ZIP code 49796 falls within Charlevoix County, Michigan.
How educated is the population of ZIP code 49796?
50% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.
What is the population of ZIP code 49796?
ZIP code 49796 has an estimated population of 375 residents, with a density of 237 people per square mile.
What is the median household income in ZIP code 49796?
The median household income in ZIP code 49796 is $89,219, above the national median of ~$75,000.
What is the typical home value in ZIP code 49796?
The median home value in ZIP code 49796 is $225,900.
What timezone is ZIP code 49796 in?
ZIP code 49796 observes the EST timezone.
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