49431 ZIP Code
Ludington, Michigan
December 12, 2025
| ZIP Code: | 49431 |
| City/Town: | Ludington |
| County: | Mason |
| State: | Michigan |
| ZIP Type: | Standard |
| Population: | 17,121 |
| Median Household Income: | $62,715 |
| Per Capita Income: | $35,538 |
| Total Housing Units: | 9,879 |
| Median Home Value: | $197,400 |
| Land Area: | 96.1 sq miles
248.8 sq km |
| Water Area: | 15.5 sq miles
40.2 sq km |
| Coordinates: | 43.9646, -86.4093 |
Population Information (49431 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 17,121 | -- | -- |
| Male: | 8,420 | 49.2% | 49.6% |
| Female: | 8,701 | 50.8% | 50.4% |
| Median Age: | 48.4 yrs | -- | 38.5 yrs |
| Under 5 years: | 775 | 4.5% | 5.7% |
| 5 to 9 years: | 857 | 5.0% | 6.0% |
| 10 to 14 years: | 1,051 | 6.1% | 6.5% |
| 15 to 19 years: | 895 | 5.2% | 6.6% |
| 20 to 24 years: | 919 | 5.4% | 6.7% |
| 25 to 34 years: | 1,864 | 10.9% | 13.7% |
| 35 to 44 years: | 1,684 | 9.8% | 12.9% |
| 45 to 54 years: | 1,672 | 9.8% | 12.4% |
| 55 to 59 years: | 1,219 | 7.1% | 6.5% |
| 60 to 64 years: | 1,429 | 8.3% | 6.4% |
| 65 to 74 years: | 2,827 | 16.5% | 9.7% |
| 75 to 84 years: | 1,370 | 8.0% | 4.8% |
| 85 years and over: | 559 | 3.3% | 2.0% |
Housing Information (49431 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $197,400 | -- | $281,900 |
| Median rooms: | 5.7 | -- | 5.5 |
| Median rent: | $865 / mo. | -- | $1,268 / mo. |
| Total housing units: | 9,879 | -- | -- |
| Occupied housing units: | 7,417 | 75.1% | 38.0% |
| Vacant housing units: | 2,462 | 24.9% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 5,422 | 73.1% | 64.8% |
| Renter-occupied: | 1,995 | 26.9% | 35.2% |
Educational Attainment (49431 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 12,624 | -- | -- |
| Less than 9th grade: | 228 | 1.8% | 4.7% |
| 9th to 12th grade, no diploma: | 494 | 3.9% | 6.1% |
| High school graduate: | 4,175 | 33.1% | 26.4% |
| Some college, no degree: | 2,511 | 19.9% | 19.7% |
| Associate degree: | 1,688 | 13.4% | 8.7% |
| Bachelor's degree: | 2,045 | 16.2% | 20.9% |
| Graduate or professional degree: | 1,483 | 11.7% | 13.7% |
| Percent high school graduate or higher: | -- | 94.3% | 89.1% |
| Percent bachelor's degree or higher: | -- | 27.9% | 34.3% |
Income Information (49431 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $62,715 / yr. | $75,149 / yr. |
| Mean household income: | $83,660 / yr. | $105,833 / yr. |
| Median family income: | $79,839 / yr. | $92,646 / yr. |
| Per capita income: | $35,538 / yr. | $41,261 / yr. |
Employment (49431 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 7,641 | -- | 63.5% |
| Employed: | 7,342 | 96.1% | 96.4% |
| Unemployed: | 299 | 3.9% | 5.3% |
| Not in labor force: | 6,554 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 5,765 | 78.5% | 79.7% |
| Government workers: | 1,083 | 14.8% | 14.2% |
| Self-employed: | 494 | 6.7% | 5.9% |
| Unpaid family workers: | 0 | 0.0% | 0.1% |
Race & Ethnicity (49431 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 15,822 | 92.4% | 61.6% |
| Black or African American: | 300 | 1.8% | 12.4% |
| American Indian/Alaska Native: | 89 | 0.5% | 1.1% |
| Asian: | 107 | 0.6% | 6.0% |
| Native Hawaiian/Pacific Islander: | 0 | 0.0% | 0.2% |
| Some other race: | 159 | 0.9% | 8.4% |
| Two or more races: | 644 | 3.8% | 10.2% |
| Hispanic or Latino (any race): | 467 | 2.7% | 18.7% |
| Mexican: | 638 | 3.7% | 11.2% |
| Puerto Rican: | 542 | 3.2% | 1.8% |
| Cuban: | 21 | 0.1% | 0.7% |
| Other Hispanic or Latino: | 0 | 0.0% | 5.0% |
| Not Hispanic or Latino: | 75 | 0.4% | 81.1% |
Income Distribution (49431 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 232 | 3.1% | 4.9% |
| $10,000 to $14,999: | 321 | 4.3% | 3.8% |
| $15,000 to $24,999: | 639 | 8.6% | 7.0% |
| $25,000 to $34,999: | 806 | 10.9% | 7.4% |
| $35,000 to $49,999: | 889 | 12.0% | 10.7% |
| $50,000 to $74,999: | 1,448 | 19.5% | 16.1% |
| $75,000 to $99,999: | 1,148 | 15.5% | 12.8% |
| $100,000 to $149,999: | 1,046 | 14.1% | 17.1% |
| $150,000 to $199,999: | 573 | 7.7% | 8.8% |
| $200,000 or more: | 315 | 4.2% | 11.4% |
Commute to Work (49431 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 5,512 | 75.1% | 67.8% |
| Carpooled: | 1,027 | 14.0% | 8.7% |
| Public transportation: | 9 | 0.1% | 4.2% |
| Walked: | 57 | 0.8% | 2.5% |
| Other means: | 42 | 0.6% | 0.9% |
| Worked from home: | 591 | 8.0% | 13.8% |
| Mean travel time to work: | 16.1 min | -- | 26.7 min |
Industry (49431 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 141 | 1.9% | 1.6% |
| Construction: | 499 | 6.8% | 6.9% |
| Manufacturing: | 1,084 | 14.8% | 10.0% |
| Wholesale trade: | 79 | 1.1% | 2.4% |
| Retail trade: | 1,044 | 14.2% | 11.0% |
| Transportation, warehousing, utilities: | 354 | 4.8% | 5.8% |
| Information: | 109 | 1.5% | 1.9% |
| Finance, insurance, real estate: | 372 | 5.1% | 6.7% |
| Professional, scientific, management: | 582 | 7.9% | 12.1% |
| Education, health care, social services: | 1,655 | 22.5% | 23.3% |
| Arts, entertainment, food services: | 840 | 11.4% | 9.0% |
| Other services: | 230 | 3.1% | 4.7% |
| Public administration: | 353 | 4.8% | 4.7% |
Poverty Status (49431 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 13.4% | 8.8% |
| All people below poverty level: | -- | -- | -- |
| Under 18 years: | -- | -- | 16.3% |
| 18 to 64 years: | -- | -- | 11.0% |
| 65 years and over: | -- | -- | 10.3% |
Health Insurance (49431 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 15,975 | 93.3% | 91.3% |
| Private health insurance: | 11,840 | 69.2% | 67.6% |
| Public health coverage: | 8,542 | 49.9% | 35.9% |
| Without health insurance: | 923 | 5.4% | 8.7% |
Benefits & Assistance (49431 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 4,669 | 62.9% | 77.4% |
| Social Security income: | 3,598 | 48.5% | 31.0% |
| Retirement income: | 2,801 | 37.8% | 21.8% |
| Supplemental Security Income (SSI): | 352 | 4.7% | 4.5% |
| Cash public assistance income: | 152 | 2.0% | 1.8% |
| SNAP (food stamps) benefits: | 711 | 9.6% | 11.4% |
Housing Types (49431 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 7,102 | 71.9% | 61.4% |
| 1-unit, attached: | 181 | 1.8% | 6.1% |
| 2 units: | 269 | 2.7% | 3.4% |
| 3 or 4 units: | 291 | 2.9% | 4.3% |
| 5 to 9 units: | 317 | 3.2% | 4.6% |
| 10 to 19 units: | 398 | 4.0% | 4.3% |
| 20 or more units: | 479 | 4.8% | 9.9% |
| Mobile home: | 842 | 8.5% | 5.8% |
| Boat, RV, van, etc.: | 0 | 0.0% | 0.1% |
Year Structure Built (49431 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 51 | 0.5% | 0.6% |
| Built 2010 to 2019: | 576 | 5.8% | 8.2% |
| Built 2000 to 2009: | 1,178 | 11.9% | 13.5% |
| Built 1990 to 1999: | 1,298 | 13.1% | 13.2% |
| Built 1980 to 1989: | 1,064 | 10.8% | 13.2% |
| Built 1970 to 1979: | 1,266 | 12.8% | 14.6% |
| Built 1960 to 1969: | 696 | 7.0% | 10.2% |
| Built 1950 to 1959: | 1,091 | 11.0% | 9.9% |
| Built 1940 to 1949: | 489 | 4.9% | 4.6% |
| Built 1939 or earlier: | 2,170 | 22.0% | 12.0% |
Bedrooms (49431 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 69 | 0.7% | 2.4% |
| 1 bedroom: | 836 | 8.5% | 3.0% |
| 2 bedrooms: | 2,692 | 27.2% | 9.1% |
| 3 bedrooms: | 4,349 | 44.0% | 15.9% |
| 4 bedrooms: | 1,558 | 15.8% | 18.8% |
| 5 or more bedrooms: | 375 | 3.8% | 17.6% |
Heating Fuel (49431 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 4,966 | 67.0% | 47.1% |
| Bottled, tank, or LP gas: | 976 | 13.2% | 4.9% |
| Electricity: | 875 | 11.8% | 40.2% |
| Fuel oil, kerosene, etc.: | 44 | 0.6% | 4.2% |
| Coal or coke: | 0 | 0.0% | 0.1% |
| Wood: | 395 | 5.3% | 1.5% |
| Solar energy: | 0 | 0.0% | 0.1% |
| Other fuel: | 94 | 1.3% | 0.5% |
| No fuel used: | 67 | 0.9% | 0.2% |
Vehicles Available (49431 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 596 | 8.0% | 8.3% |
| 1 vehicle available: | 2,508 | 33.8% | 32.6% |
| 2 vehicles available: | 2,934 | 39.6% | 37.0% |
| 3 or more vehicles available: | 1,379 | 18.6% | 22.1% |
Home Value Distribution (49431 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 138 | 2.5% | 5.7% |
| $50,000 to $99,999: | 755 | 13.9% | 7.8% |
| $100,000 to $149,999: | 761 | 14.0% | 9.2% |
| $150,000 to $199,999: | 1,106 | 20.4% | 10.8% |
| $200,000 to $299,999: | 1,339 | 24.7% | 19.9% |
| $300,000 to $499,999: | 944 | 17.4% | 24.1% |
| $500,000 to $999,999: | 317 | 5.8% | 17.0% |
| $1,000,000 or more: | 62 | 1.1% | 5.6% |
Housing Costs (49431 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $1,238 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $506 / mo. | $584 / mo. |
| Median gross rent: | $865 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.31 | 2.53 |
| Average household size (renter-occupied): | 2.16 | 2.38 |
Households (49431 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 7,417 | -- | -- |
| Married-couple households: | 3,874 | 52.2% | 47.5% |
| Cohabiting couple households: | 1,142 | 15.4% | 7.0% |
| Male householder, no spouse: | 1,254 | 16.9% | 5.4% |
| Female householder, no spouse: | 1,910 | 25.8% | 12.7% |
| Householder living alone: | 1,706 | 23.0% | 28.6% |
| 65 years and over living alone: | 3,370 | 45.4% | 11.8% |
| Average household size: | 2.27 | -- | 2.53 |
| Average family size: | 2.85 | -- | -- |
Marital Status (49431 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 6,938 | -- | -- |
| Never married: | 1,865 | 26.9% | 37.0% |
| Now married: | 3,977 | 57.3% | 49.5% |
| Separated: | 359 | 5.2% | 1.5% |
| Widowed: | 694 | 10.0% | 2.6% |
| Divorced: | 1,522 | 21.9% | 9.3% |
School Enrollment (49431 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 3,179 | -- | -- |
| Nursery school, preschool: | 199 | 6.3% | 5.8% |
| Kindergarten: | 185 | 5.8% | 5.0% |
| Elementary school (grades 1-8): | 1,506 | 47.4% | 40.5% |
| High school (grades 9-12): | 762 | 24.0% | 21.4% |
| College or graduate school: | 527 | 16.6% | 27.3% |
Veterans & Disability (49431 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 13,839 | -- | -- |
| Veterans: | 1,159 | 8.4% | 6.3% |
| Civilian noninstitutionalized population: | 16,898 | -- | -- |
| With a disability: | 2,797 | 16.6% | 13.4% |
| Under 18 with disability: | 128 | 4.6% | 5.8% |
| 18 to 64 with disability: | 1,206 | 43.1% | 10.4% |
| 65 and over with disability: | 1,463 | 52.3% | 33.4% |
Mobility (Residence 1 Year Ago) (49431 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 14,877 | 86.9% | 86.9% |
| Different house: | 2,150 | 12.6% | 13.1% |
| Same county: | 1,173 | 54.6% | 7.0% |
| Different county: | 959 | 44.6% | 3.2% |
| Different state: | 172 | 8.0% | 2.5% |
| Abroad: | 18 | 0.8% | 0.4% |
Place of Birth (49431 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 16,866 | 98.5% | 86.2% |
| Foreign born: | 86 | 0.5% | 13.9% |
| Naturalized citizen: | 255 | 296.5% | 52.7% |
| Not a citizen: | 255 | 296.5% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 255 | 296.5% | 10.5% |
| Asia: | 71 | 82.6% | 31.3% |
| Africa: | 0 | 0.0% | 5.5% |
| Oceania: | 6 | 7.0% | 0.5% |
| Latin America: | 42 | 48.8% | 50.0% |
| Northern America: | 18 | 20.9% | 2.2% |
Language Spoken at Home (49431 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 16,346 | -- | -- |
| English only: | 16,063 | 98.3% | 78.3% |
| Language other than English: | 283 | 1.7% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 145 | 0.9% | 13.3% |
| Other Indo-European languages: | 55 | 0.3% | 3.5% |
| Asian/Pacific Island languages: | 72 | 0.4% | 3.5% |
| Other languages: | 11 | 0.1% | 1.0% |
Computers & Internet (49431 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 7,417 | 100.0% | 93.1% |
| Households with broadband internet: | 6,804 | 91.7% | 89.4% |
Ludington, MI49431