Ludington ZIP Code List — Mason County, MI

There is one unique ZIP code in Ludington, Michigan and it is 49431. Area code: 231.

ZIP codes

96.07

sq mi land

15.53

sq mi water

231

area code

Ludington, MI ZIP code map

About Ludington, MI

Ludington, Michigan, is a charming lakeside city located on the shores of Lake Michigan. Known for its beautiful beaches and vibrant community, it attracts visitors year-round. The city is a popular destination for water sports, fishing, and outdoor activities, making it a gem in Mason County.

Location & geography

Situated in Mason County, Ludington is approximately 45 miles northwest of Grand Rapids and 37 miles south of Manistee. The city covers a total land area of 96.07 square miles, complemented by a water area of 15.53 square miles. The terrain is characterized by stunning natural landscapes, including lakes, forests, and nearby beaches.

Community & economy

Ludington boasts a friendly and welcoming atmosphere, with a population that enjoys a strong sense of community. The city's economy thrives on tourism, primarily due to its picturesque waterfront, while local industries include agriculture and manufacturing. Daily life in Ludington is marked by a mix of seasonal events, outdoor activities, and local businesses that support a relaxed, small-town vibe.

Transportation

Transportation options in Ludington include the major routes of U.S. Highway 10 and Michigan State Route 115, providing easy access to surrounding areas. The nearest airport is the Manistee County Blacker Airport, located about 30 miles away, which offers limited regional flights. Public transit options are available locally, ensuring residents can navigate the city and its attractions comfortably.

History

Ludington was founded in the mid-19th century, originally established as a lumber town due to its proximity to abundant timber resources. Over the years, it evolved into a bustling port city known for shipping and commercial fishing, playing a significant role in the region's economy. Notable events in Ludington's history include the establishment of the Ludington Lighthouse, which remains an iconic symbol of the city.

Did you know?

One surprising fact about Ludington is that it is home to the annual Concours d'Elegance, an event showcasing classic automobiles, which attracts car enthusiasts from all over. Additionally, the city is known for its picturesque state parks, including Ludington State Park, which features miles of hiking trails and pristine beaches.

ZIP codes for Ludington, MI (1)

ZIP code	City	County	Map
49431	Ludington	Mason	View map

Demographics & statistics

17,121

Population

48.4

Median age

$62,715

Median household income

$36,708

Per capita income

$197,400

Median home value

$865

Median monthly rent

73.1%

Home ownership

13.4%

Poverty rate

3.9%

Unemployment

7,884

Housing units

27.9%

Bachelor's or higher

Age distribution

Male Female

381

Under 5

394

422

5–9

435

517

10–14

534

440

15–19

455

452

20–24

467

917

25–34

947

828

35–44

856

822

45–54

850

600

55–59

619

703

60–64

726

1,391

65–74

1,436

674

75–84

696

275

85+

284

← Male

Female →

Age summary

Group	Count	%
Under 18	3,282	19.2%
18 and over	13,839	80.8%
65 and over	4,756	27.8%
Median age	48.4 years

Race & ethnicity

White 90%

Two or more races 3.7%

Hispanic or Latino 2.7%

Black or African American 1.7%

Other race 0.9%

Asian 0.6%

American Indian / Alaska Native 0.5%

Group	Count	%
White	15,822	90%
Two or more races	644	3.7%
Hispanic or Latino	467	2.7%
Black or African American	300	1.7%
Other race	159	0.9%
Asian	107	0.6%
American Indian / Alaska Native	89	0.5%

Household income

Under $10k 3.1%

$10k–$15k 4.3%

$15k–$25k 8.6%

$25k–$35k 10.9%

$35k–$50k 12.0%

$50k–$75k 19.5%

$75k–$100k 15.5%

$100k–$150k 14.1%

$150k–$200k 7.7%

$200k+ 4.2%

Range	% of households
Under $10k	3.1%
$10k–$15k	4.3%
$15k–$25k	8.6%
$25k–$35k	10.9%
$35k–$50k	12.0%
$50k–$75k	19.5%
$75k–$100k	15.5%
$100k–$150k	14.1%
$150k–$200k	7.7%
$200k+	4.2%
Median income	$62,715

Housing

Home values

Under $50k 2.5%

$50k–$100k 13.9%

$100k–$150k 14.0%

$150k–$200k 20.4%

$200k–$300k 24.7%

$300k–$500k 17.4%

$500k–$1M 5.8%

$1M+ 1.1%

Housing overview

Metric	Value
Median home value	$197,400
Median rent / month	$865
Owner occupied	73.1%
Renter occupied	26.9%
Vacant	24.9%
Single-family detached	71.9%
Large apartment buildings	4.8%
Mobile homes	8.5%
Median rooms	5.7
Avg household size (owned)	2.31

Year built

Era	%
2020 or later	0.5%
2010–2019	5.8%
2000–2009	11.9%
1990–1999	13.1%
1980–1989	10.8%
1970–1979	12.8%
1960–1969	7.0%
1950–1959	11.0%
1940–1949	4.9%
1939 or earlier	22.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.7%
1 bedroom	8.5%
2 bedrooms	27.2%
3 bedrooms	44.0%
4 bedrooms	15.8%
5+ bedrooms	3.8%

Vehicles per household

Vehicles	% of households
No vehicle	8.0%
1 vehicle	33.8%
2 vehicles	39.6%
3 or more	18.6%

Heating fuel

Fuel type	%
Utility gas	67.0%
Electricity	11.8%
Propane / LP gas	13.2%
Fuel oil	0.6%
Wood	5.3%
No fuel used	0.9%

Households & families

Household type	Count	%
Married-couple family	3,874	52.2%
Cohabiting couple	379	5.1%
Male householder, no spouse	1,254	16.9%
Female householder, no spouse	1,910	25.8%
Households with children under 18	1,706	23.0%
Households with seniors (65+)	3,370	45.4%
Average household size	2.27

Marital status

Status	Male	Female
Never married	26.9%	20.3%
Married	57.3%	52.4%
Separated	0.6%	0.6%
Widowed	5.2%	12.5%
Divorced	10.0%	14.1%

Education

Less than 9th grade 1.8%

Some HS, no diploma 3.9%

HS graduate 33.1%

Some college, no degree 19.9%

Associate's degree 13.4%

Bachelor's degree 16.2%

Graduate / professional 11.7%

Metric	%
HS diploma or higher	94.3%
Bachelor's or higher	27.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	199	6.3%
Kindergarten	185	5.8%
Elementary school	1,506	47.4%
High school	762	24.0%
College / grad school	527	16.6%

Employment

Industry of employment

Education & healthcare 22.5%

Manufacturing 14.8%

Retail trade 14.2%

Arts, food & hospitality 11.4%

Professional & management 7.9%

Construction 6.8%

Finance & real estate 5.1%

Transportation & utilities 4.8%

Public administration 4.8%

Other services 3.1%

Agriculture & mining 1.9%

Information 1.5%

Wholesale trade 1.1%

Occupation

Category	%
Management, business & arts	36.6%
Service	16.0%
Sales & office	20.5%
Natural resources & construction	10.1%
Production & transportation	16.8%

Employment type

Type	%
Private sector	78.5%
Government	14.8%
Self-employed	6.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	76.2%
Carpool	14.2%
Public transit	0.1%
Walk	0.8%
Other means	0.6%
Avg commute (minutes)	16.1

Poverty

All people 13.4%

Under 18 years 29.9%

18 and over 9.4%

Married-couple families 4.3%

Female-led households 26.6%

Income support

Source	% of households
Social Security	48.5%
Retirement income	37.8%
Supplemental Security	4.7%
Cash public assistance	2.0%
Food stamps / SNAP	9.6%

Health indicators

Condition	%
High blood pressure	36.4%
High cholesterol	36.5%
Heart disease	8.1%
Stroke	3.7%
Asthma	10.9%
Arthritis	32.9%
Kidney disease	3.5%
Pulmonary disease	9.0%
Cancer	8.2%

Behavior / access	%
Binge drinking	17.6%
No physical activity	21.7%
Less than 7 hrs sleep	31.1%
Fair or poor health	15.8%
Poor mental health	15.7%
Poor physical health	11.9%
No health insurance	9.3%
Visited doctor (checkup)	76.1%
Visited dentist	70.2%
Cholesterol screening	91.9%
Teeth loss	13.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,159	8.4%

Disability	%
Any disability	16.6%
Under 18	3.9%
18–64 years	13.4%
65 and over	31.9%

Health insurance coverage

Type	%
Private insurance	70.1%
Public insurance	50.6%
Uninsured under 19	3.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	16,346	95.5%
Spanish	95	0.6%
Other Indo-European	28	0.2%
Asian & Pacific Islander	28	0.2%
Other languages	39	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	16,866	98.5%
Born in same state	16,780	98.0%
Born in different state	13,307	77.7%
Foreign born	86	0.5%
Naturalized citizen	255	1.5%
Not a US citizen	155	60.8%

Ancestry

Ancestry	Count	%
French	1,907	11.1%
Italian	1,719	10%
English	802	4.7%
Arab	579	3.4%
Dutch	437	2.6%

Ancestry	Count	%
Polish	348	2%
German	198	1.2%
Norwegian	164	1%
Irish	105	0.6%

Technology access

Metric	% of households
Computer access	43.3%
Internet access	91.7%

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

Frequently asked questions

What is the ZIP code for Ludington, MI?

Ludington, MI has one ZIP code: 49431.

What is the main ZIP code for Ludington, MI?

The primary ZIP code for Ludington, MI is 49431. The city uses area code 231 for phone service.

What county is Ludington, MI in?

Ludington is located in Mason County, Michigan.

How many ZIP codes are in Ludington, MI?

Ludington, MI has 1 ZIP code.

What ZIP code covers Ludington's downtown waterfront area and the Pere Marquette Lake region?

Ludington's downtown waterfront area, including the historic lighthouse and Pere Marquette Lake attractions, is located in ZIP code 49431, which serves the entire city.

What is the ZIP code for the Ludington State Park area and Big Sable Point Lighthouse?

The Ludington State Park, home to the iconic Big Sable Point Lighthouse, is located within ZIP code 49431, which encompasses all of Ludington.