Harbor Springs ZIP Code List — Emmet County, MI

There is one unique ZIP code in Harbor Springs, Michigan and it is 49740. Area code: 231.

ZIP codes

124.93

sq mi land

17.44

sq mi water

231

area code

Harbor Springs, MI ZIP code map

About Harbor Springs, MI

Harbor Springs is a picturesque city located in the state of Michigan. Known for its stunning natural beauty and vibrant community, it serves as a popular destination for tourists and residents alike. Nestled along the shores of Lake Michigan, the city offers a blend of outdoor activities and rich cultural experiences.

Location & geography

Harbor Springs is situated in Emmet County and spans an impressive land area of 249.85 square miles. The city is flanked by nearby communities including Petoskey, which is approximately 9 miles to the west, and Charlevoix, located about 20 miles to the northwest. With a significant water area of 34.89 square miles, the terrain is characterized by lush landscapes, waterfront views, and a charming coastal atmosphere.

Community & economy

The character of Harbor Springs is defined by its friendly residents and leisure-driven lifestyle, making it an ideal location for families and retirees. The city thrives on industries such as tourism, real estate, and small local businesses that cater to both seasonal visitors and year-round inhabitants. Daily life in Harbor Springs often revolves around outdoor activities, art festivals, and community events that highlight the cultural richness of the area.

Transportation

Transportation in Harbor Springs is primarily accessible via Highway M-119, which connects to neighboring cities and attractions. The closest major airport is Pellston Regional Airport, located about 20 miles away. Additionally, local transit options make it easy for residents and visitors to navigate the area.

History

Harbor Springs was established in the mid-19th century, originally serving as a fishing and lumbering settlement. Over the years, it developed into a thriving tourist destination, thanks in part to its scenic beauty and recreational opportunities. Notable events in its history include the establishment of summer resorts that attracted prominent figures from around the country.

Did you know?

One little-known fact about Harbor Springs is that it hosts the annual Harbor Springs Festival of the Book, which celebrates literature and fosters a love for reading in the community. Additionally, the city is recognized for its historic architecture, including many buildings that date back to the late 1800s.

ZIP codes for Harbor Springs, MI (1)

ZIP code	City	County	Map
49740	Harbor Springs	Emmet	View map

Demographics & statistics

7,451

Population

54.9

Median age

$80,250

Median household income

$50,928

Per capita income

$297,800

Median home value

$1,085

Median monthly rent

89.2%

Home ownership

6.7%

Poverty rate

4.2%

Unemployment

5,730

Housing units

45.8%

Bachelor's or higher

Age distribution

Male Female

139

Under 5

121

168

5–9

146

175

10–14

153

191

15–19

167

122

20–24

107

354

25–34

308

409

35–44

355

438

45–54

380

334

55–59

290

344

60–64

299

834

65–74

726

386

75–84

336

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,121	15.0%
18 and over	6,330	85.0%
65 and over	2,451	32.9%
Median age	54.9 years

Race & ethnicity

White 87.8%

Two or more races 4.8%

Hispanic or Latino 3.2%

American Indian / Alaska Native 1.7%

Black or African American 1.3%

Other race 0.7%

Asian 0.3%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	6,761	87.8%
Two or more races	371	4.8%
Hispanic or Latino	250	3.2%
American Indian / Alaska Native	128	1.7%
Black or African American	103	1.3%
Other race	57	0.7%
Asian	24	0.3%
Native Hawaiian / Pacific Islander	7	0.1%

Household income

Under $10k 3.9%

$10k–$15k 3.2%

$15k–$25k 7.6%

$25k–$35k 6.3%

$35k–$50k 8.9%

$50k–$75k 18.1%

$75k–$100k 15.0%

$100k–$150k 17.1%

$150k–$200k 7.1%

$200k+ 12.8%

Range	% of households
Under $10k	3.9%
$10k–$15k	3.2%
$15k–$25k	7.6%
$25k–$35k	6.3%
$35k–$50k	8.9%
$50k–$75k	18.1%
$75k–$100k	15.0%
$100k–$150k	17.1%
$150k–$200k	7.1%
$200k+	12.8%
Median income	$80,250

Housing

Home values

Under $50k 2.8%

$50k–$100k 2.2%

$100k–$150k 6.0%

$150k–$200k 10.5%

$200k–$300k 29.2%

$300k–$500k 28.3%

$500k–$1M 15.0%

$1M+ 6.2%

Housing overview

Metric	Value
Median home value	$297,800
Median rent / month	$1,085
Owner occupied	89.2%
Renter occupied	10.8%
Vacant	46.2%
Single-family detached	81.1%
Large apartment buildings	1.2%
Mobile homes	2.7%
Median rooms	6.2
Avg household size (owned)	2.24

Year built

Era	%
2020 or later	0.2%
2010–2019	3.0%
2000–2009	14.5%
1990–1999	19.1%
1980–1989	16.3%
1970–1979	18.6%
1960–1969	6.3%
1950–1959	3.7%
1940–1949	4.1%
1939 or earlier	14.2%

Bedrooms

Size	% of units
No bedroom (studio)	1.5%
1 bedroom	5.3%
2 bedrooms	18.6%
3 bedrooms	45.3%
4 bedrooms	20.7%
5+ bedrooms	8.6%

Vehicles per household

Vehicles	% of households
No vehicle	3.4%
1 vehicle	30.2%
2 vehicles	40.0%
3 or more	26.4%

Heating fuel

Fuel type	%
Utility gas	60.4%
Electricity	6.0%
Propane / LP gas	19.2%
Fuel oil	0.2%
Wood	12.9%
Solar	0.2%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	1,936	59.2%
Cohabiting couple	139	4.2%
Male householder, no spouse	553	16.9%
Female householder, no spouse	645	19.7%
Households with children under 18	615	18.8%
Households with seniors (65+)	1,560	47.7%
Average household size	2.24

Marital status

Status	Male	Female
Never married	23.6%	15.7%
Married	63.3%	62.8%
Separated	0.8%	0.3%
Widowed	4.1%	11.5%
Divorced	8.3%	9.7%

Education

Less than 9th grade 0.9%

Some HS, no diploma 2.3%

HS graduate 20.4%

Some college, no degree 21.8%

Associate's degree 8.8%

Bachelor's degree 26.3%

Graduate / professional 19.5%

Metric	%
HS diploma or higher	96.8%
Bachelor's or higher	45.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	51	4.5%
Kindergarten	53	4.7%
Elementary school	488	43.1%
High school	300	26.5%
College / grad school	240	21.2%

Employment

Industry of employment

Education & healthcare 19.6%

Arts, food & hospitality 14.6%

Retail trade 13.2%

Construction 11.6%

Professional & management 9.2%

Manufacturing 8.9%

Finance & real estate 5.7%

Public administration 4.2%

Other services 3.9%

Transportation & utilities 3.7%

Wholesale trade 2.5%

Agriculture & mining 1.6%

Information 1.3%

Occupation

Category	%
Management, business & arts	44.6%
Service	14.6%
Sales & office	19.2%
Natural resources & construction	10.5%
Production & transportation	11.1%

Employment type

Type	%
Private sector	79.1%
Government	10.2%
Self-employed	10.7%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	79.7%
Carpool	5.4%
Public transit	0.1%
Walk	1.8%
Other means	1.0%
Avg commute (minutes)	20.3

Poverty

All people 6.7%

Under 18 years 2.7%

18 and over 7.4%

Married-couple families 1.9%

Female-led households 12.9%

Income support

Source	% of households
Social Security	45.5%
Retirement income	34.3%
Supplemental Security	3.5%
Cash public assistance	0.6%
Food stamps / SNAP	4.2%

Health indicators

Condition	%
High blood pressure	35.4%
High cholesterol	38.9%
Heart disease	7.4%
Stroke	3.2%
Asthma	10.2%
Arthritis	32.7%
Kidney disease	3.2%
Pulmonary disease	7.2%
Cancer	9.1%

Behavior / access	%
Binge drinking	17.0%
No physical activity	17.2%
Less than 7 hrs sleep	28.9%
Fair or poor health	12.1%
Poor mental health	13.5%
Poor physical health	9.9%
No health insurance	6.5%
Visited doctor (checkup)	77.8%
Visited dentist	76.5%
Cholesterol screening	94.5%
Teeth loss	8.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	449	7.1%

Disability	%
Any disability	11.7%
Under 18	2.9%
18–64 years	7.1%
65 and over	23.5%

Health insurance coverage

Type	%
Private insurance	76.2%
Public insurance	41.2%
Uninsured under 19	5.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	7,191	96.5%
Spanish	22	0.3%
Other Indo-European	8	0.1%
Asian & Pacific Islander	0	0.0%
Other languages	9	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	7,359	98.8%
Born in same state	7,316	98.2%
Born in different state	5,639	75.7%
Foreign born	43	0.6%
Naturalized citizen	92	1.2%
Not a US citizen	64	69.6%

Ancestry

Ancestry	Count	%
French	1,337	17.9%
Italian	1,063	14.3%
Arab	321	4.3%
English	276	3.7%
German	93	1.2%

Ancestry	Count	%
Polish	67	0.9%
Dutch	50	0.7%
Irish	30	0.4%
Norwegian	15	0.2%

Technology access

Metric	% of households
Computer access	43.9%
Internet access	95.9%

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

Frequently asked questions

What is the ZIP code for Harbor Springs, MI?

Harbor Springs, MI has one ZIP code: 49740.

What is the main ZIP code for Harbor Springs, MI?

The primary ZIP code for Harbor Springs, MI is 49740. The city uses area code 231 for phone service.

What county is Harbor Springs, MI in?

Harbor Springs is located in Emmet County, Michigan.

How many ZIP codes are in Harbor Springs, MI?

Harbor Springs, MI has 1 ZIP code.

What ZIP code covers downtown Harbor Springs and the waterfront area along Lake Michigan?

Downtown Harbor Springs and the Lake Michigan waterfront are located in ZIP code 49740, which serves as the primary postal code for this picturesque northern Michigan resort town.

What is the ZIP code for Harbor Springs' residential neighborhoods near Mackinac Island Ferry docks?

The residential areas near Harbor Springs' ferry terminal and downtown core, including neighborhoods adjacent to the Mackinac Island ferry operations, are all served by ZIP code 49740.