Frankfort ZIP Code List — Benzie County, MI

There is one unique ZIP code in Frankfort, Michigan and it is 49635. Area code: 231.
1
ZIP codes
38.48
sq mi land
14.46
sq mi water
231
area code
Frankfort, MI ZIP code map

About Frankfort, MI

Frankfort, Michigan is a charming small city located in Benzie County along the eastern shore of Lake Michigan in the northwestern Lower Peninsula. Served by a single ZIP code, 49635, Frankfort is known for its natural beauty, historic lighthouse, and welcoming lakeside atmosphere. The city offers a distinctive blend of outdoor recreation, maritime heritage, and small-town character that draws visitors and year-round residents alike.

Location & geography

Frankfort is situated at the mouth of the Betsie River where it meets Lake Michigan, placing it within one of Michigan's most scenic coastal corridors. The city covers 38.48 square miles of land and 14.46 square miles of water, reflecting its deep connection to the Great Lakes and inland waterways. Nearby communities include Beulah to the east, Elberta directly across the Betsie River to the south, Honor to the southeast, and Traverse City approximately 50 miles to the northeast along US-31.

Community & economy

Frankfort has the feel of a classic northern Michigan harbor town, where maritime traditions, local shops, and a tight-knit community define daily life. The local economy is anchored by tourism, seasonal hospitality businesses, commercial fishing heritage, and small retail along Main Street and the waterfront. Year-round residents enjoy a quiet, outdoor-oriented lifestyle with access to beaches, trails, and Betsie Bay, while summer months bring a lively influx of visitors drawn to the lakefront.

Transportation

Frankfort is primarily accessible via US Highway 31, which runs along Michigan's western Lower Peninsula and connects the city to Traverse City to the north and Manistee to the south. Michigan Highway 115 also provides an inland route connecting to communities further east. The nearest commercial airport is Cherry Capital Airport (TVC) in Traverse City, located roughly 50 miles northeast of Frankfort.

History

Frankfort was established in the mid-19th century as a harbor and lumber town, benefiting from its natural deep-water port on Lake Michigan at the mouth of the Betsie River. The city became a significant hub for the lumber industry during Michigan's great logging era, and later developed a strong commercial fishing trade. The historic Frankfort North Breakwater Light, which still stands at the harbor entrance, has guided mariners safely into port since the late 1800s and remains one of the most photographed landmarks in Benzie County.

Did you know?

One surprising fact about Frankfort is that it sits at the terminus of the Ann Arbor Railroad's car ferry route across Lake Michigan, a service that once transported entire railroad freight cars across the Great Lakes — a remarkable piece of transportation history. The natural alignment of the Betsie River valley also makes the Frankfort area one of the best spots in Michigan's Lower Peninsula to observe the Northern Lights on clear nights.

ZIP codes for Frankfort, MI (1)
ZIP code City County Map
49635 Frankfort Benzie View map

Demographics & statistics

3,328
Population
60.6
Median age
$64,911
Median household income
$42,070
Per capita income
$314,900
Median home value
$917
Median monthly rent
80.8%
Home ownership
11.1%
Poverty rate
4.9%
Unemployment
2,787
Housing units
43.2%
Bachelor's or higher

Age distribution

Male Female
57
Under 5
57
51
5–9
52
50
10–14
50
93
15–19
94
50
20–24
51
90
25–34
91
110
35–44
111
158
45–54
159
141
55–59
143
190
60–64
192
301
65–74
304
255
75–84
258
109
85+
111
← Male
Female →

Age summary

GroupCount%
Under 1844513.4%
18 and over2,88386.6%
65 and over1,33840.2%
Median age60.6 years

Race & ethnicity

White 90.4%
Two or more races 3.4%
Hispanic or Latino 2.8%
Black or African American 2.3%
Other race 0.8%
Asian 0.1%
American Indian / Alaska Native 0.1%
GroupCount%
White3,09490.4%
Two or more races1183.4%
Hispanic or Latino962.8%
Black or African American802.3%
Other race260.8%
Asian50.1%
American Indian / Alaska Native50.1%

Household income

Under $10k 4.2%
$10k–$15k 2.5%
$15k–$25k 10.1%
$25k–$35k 7.6%
$35k–$50k 12.1%
$50k–$75k 19.3%
$75k–$100k 8.7%
$100k–$150k 18.0%
$150k–$200k 9.1%
$200k+ 8.4%
Range% of households
Under $10k4.2%
$10k–$15k2.5%
$15k–$25k10.1%
$25k–$35k7.6%
$35k–$50k12.1%
$50k–$75k19.3%
$75k–$100k8.7%
$100k–$150k18.0%
$150k–$200k9.1%
$200k+8.4%
Median income$64,911

Housing

Home values

Under $50k 6.8%
$50k–$100k 3.3%
$100k–$150k 7.5%
$150k–$200k 7.9%
$200k–$300k 21.7%
$300k–$500k 30.5%
$500k–$1M 15.6%
$1M+ 6.8%

Housing overview

MetricValue
Median home value$314,900
Median rent / month$917
Owner occupied80.8%
Renter occupied19.2%
Vacant53.9%
Single-family detached86.8%
Large apartment buildings3.4%
Mobile homes2.7%
Median rooms5.2
Avg household size (owned)2.27

Year built

Era%
2020 or later0.2%
2010–20194.6%
2000–200910.1%
1990–199917.0%
1980–198913.8%
1970–197913.2%
1960–19699.6%
1950–195910.4%
1940–19499.4%
1939 or earlier11.6%

Bedrooms

Size% of units
No bedroom (studio)1.3%
1 bedroom8.2%
2 bedrooms32.4%
3 bedrooms40.4%
4 bedrooms15.2%
5+ bedrooms2.5%

Vehicles per household

Vehicles% of households
No vehicle5.6%
1 vehicle36.8%
2 vehicles39.1%
3 or more18.5%

Heating fuel

Fuel type%
Utility gas53.8%
Electricity7.2%
Propane / LP gas29.8%
Fuel oil1.8%
Wood5.9%
No fuel used0.9%

Households & families

Household typeCount%
Married-couple family78655.8%
Cohabiting couple332.3%
Male householder, no spouse26018.5%
Female householder, no spouse32923.4%
Households with children under 1822115.7%
Households with seniors (65+)85360.6%
Average household size2.21

Marital status

StatusMaleFemale
Never married24.3%19.7%
Married55.4%56.1%
Separated0.1%0.4%
Widowed9.0%12.8%
Divorced11.2%11.0%

Education

Less than 9th grade 3.2%
Some HS, no diploma 4.6%
HS graduate 27.5%
Some college, no degree 15.9%
Associate's degree 5.5%
Bachelor's degree 22.2%
Graduate / professional 21.0%
Metric%
HS diploma or higher92.3%
Bachelor's or higher43.2%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool296.4%
Kindergarten173.8%
Elementary school14031.0%
High school21447.3%
College / grad school5211.5%

Employment

Industry of employment

Education & healthcare 22.7%
Arts, food & hospitality 14.1%
Retail trade 11.9%
Finance & real estate 9.7%
Construction 9.1%
Manufacturing 9.1%
Other services 6.5%
Professional & management 4.7%
Public administration 4.3%
Wholesale trade 3.9%
Transportation & utilities 1.8%
Agriculture & mining 1.7%
Information 0.7%

Occupation

Category%
Management, business & arts38.4%
Service22.5%
Sales & office20.2%
Natural resources & construction6.7%
Production & transportation12.2%

Employment type

Type%
Private sector76.3%
Government14.4%
Self-employed9.1%
Unpaid family workers0.3%

Commute

Method%
Drive alone76.8%
Carpool4.1%
Public transit1.0%
Walk1.9%
Other means2.9%
Avg commute (minutes)22.6

Poverty

All people 11.1%
Under 18 years 11.9%
18 and over 11.0%
Married-couple families 1.7%
Female-led households 35.1%

Income support

Source% of households
Social Security64.8%
Retirement income47.2%
Supplemental Security5.9%
Cash public assistance2.9%
Food stamps / SNAP7.9%

Health indicators

Condition%
High blood pressure41.3%
High cholesterol40.9%
Heart disease9.8%
Stroke4.3%
Asthma10.4%
Arthritis38.3%
Kidney disease4.0%
Pulmonary disease9.6%
Cancer10.6%
Behavior / access%
Binge drinking14.4%
No physical activity22.4%
Less than 7 hrs sleep30.4%
Fair or poor health16.1%
Poor mental health13.4%
Poor physical health12.0%
No health insurance8.3%
Visited doctor (checkup)79.6%
Visited dentist71.7%
Cholesterol screening94.2%
Teeth loss12.0%

Veterans & disability

VeteransCount%
Civilian veterans36112.6%
Disability%
Any disability21.7%
Under 1814.2%
18–64 years19.8%
65 and over26.9%

Health insurance coverage

Type%
Private insurance69.0%
Public insurance56.3%
Uninsured under 192.7%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only3,21496.6%
Spanish120.4%
Other Indo-European00.0%
Asian & Pacific Islander120.4%
Other languages00.0%

Place of birth & citizenship

OriginCount%
Native born (US)3,26598.1%
Born in same state3,25297.7%
Born in different state2,33270.1%
Foreign born130.4%
Naturalized citizen631.9%
Not a US citizen4774.6%

Ancestry

AncestryCount%
French57917.4%
Italian35110.5%
Polish1324%
Arab1093.3%
English581.7%
AncestryCount%
German551.7%
Dutch310.9%
Irish40.1%
Norwegian30.1%

Technology access

Metric% of households
Computer access42.3%
Internet access94.2%

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

Frequently asked questions
What is the ZIP code for Frankfort, MI?
Frankfort, MI has one ZIP code: 49635.
What is the main ZIP code for Frankfort, MI?
The primary ZIP code for Frankfort, MI is 49635. The city uses area code 231 for phone service.
What county is Frankfort, MI in?
Frankfort is located in Benzie County, Michigan.
How many ZIP codes are in Frankfort, MI?
Frankfort, MI has 1 ZIP code.
What is the ZIP code for downtown Frankfort and the Frankfort North Breakwater Lighthouse area?
The downtown Frankfort area, including the iconic North Breakwater Lighthouse located at the entrance to Betsie Lake, uses ZIP code 49635.
What ZIP code should I use for mailing packages to businesses along Frankfort's waterfront district?
All mailing addresses in Frankfort's waterfront district, including those along the harbor and marina areas, use the ZIP code 49635.
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