49740 ZIP Code
Harbor Springs, Michigan
December 12, 2025
| ZIP Code: | 49740 |
| City/Town: | Harbor Springs |
| County: | Emmet |
| State: | Michigan |
| ZIP Type: | Standard |
| Population: | 7,451 |
| Median Household Income: | $80,250 |
| Per Capita Income: | $36,350 |
| Total Housing Units: | 6,085 |
| Median Home Value: | $297,800 |
| Land Area: | 124.9 sq miles
323.6 sq km |
| Water Area: | 17.4 sq miles
45.2 sq km |
| Coordinates: | 45.5219, -84.9908 |
Population Information (49740 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 7,451 | -- | -- |
| Male: | 3,986 | 53.5% | 49.6% |
| Female: | 3,465 | 46.5% | 50.4% |
| Median Age: | 54.9 yrs | -- | 38.5 yrs |
| Under 5 years: | 260 | 3.5% | 5.7% |
| 5 to 9 years: | 314 | 4.2% | 6.0% |
| 10 to 14 years: | 328 | 4.4% | 6.5% |
| 15 to 19 years: | 358 | 4.8% | 6.6% |
| 20 to 24 years: | 229 | 3.1% | 6.7% |
| 25 to 34 years: | 662 | 8.9% | 13.7% |
| 35 to 44 years: | 764 | 10.3% | 12.9% |
| 45 to 54 years: | 818 | 11.0% | 12.4% |
| 55 to 59 years: | 624 | 8.4% | 6.5% |
| 60 to 64 years: | 643 | 8.6% | 6.4% |
| 65 to 74 years: | 1,560 | 20.9% | 9.7% |
| 75 to 84 years: | 722 | 9.7% | 4.8% |
| 85 years and over: | 169 | 2.3% | 2.0% |
Housing Information (49740 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $297,800 | -- | $281,900 |
| Median rooms: | 6.2 | -- | 5.5 |
| Median rent: | $1,085 / mo. | -- | $1,268 / mo. |
| Total housing units: | 6,085 | -- | -- |
| Occupied housing units: | 3,273 | 53.8% | 38.0% |
| Vacant housing units: | 2,812 | 46.2% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 2,918 | 89.2% | 64.8% |
| Renter-occupied: | 355 | 10.8% | 35.2% |
Educational Attainment (49740 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 5,962 | -- | -- |
| Less than 9th grade: | 52 | 0.9% | 4.7% |
| 9th to 12th grade, no diploma: | 140 | 2.3% | 6.1% |
| High school graduate: | 1,217 | 20.4% | 26.4% |
| Some college, no degree: | 1,298 | 21.8% | 19.7% |
| Associate degree: | 522 | 8.8% | 8.7% |
| Bachelor's degree: | 1,569 | 26.3% | 20.9% |
| Graduate or professional degree: | 1,164 | 19.5% | 13.7% |
| Percent high school graduate or higher: | -- | 96.8% | 89.1% |
| Percent bachelor's degree or higher: | -- | 45.8% | 34.3% |
Income Information (49740 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $80,250 / yr. | $75,149 / yr. |
| Mean household income: | $113,943 / yr. | $105,833 / yr. |
| Median family income: | $97,661 / yr. | $92,646 / yr. |
| Per capita income: | $36,350 / yr. | $41,261 / yr. |
Employment (49740 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 3,492 | -- | 63.5% |
| Employed: | 3,347 | 95.8% | 96.4% |
| Unemployed: | 145 | 4.2% | 5.3% |
| Not in labor force: | 2,997 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 2,647 | 79.1% | 79.7% |
| Government workers: | 340 | 10.2% | 14.2% |
| Self-employed: | 357 | 10.7% | 5.9% |
| Unpaid family workers: | 3 | 0.1% | 0.1% |
Race & Ethnicity (49740 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 6,761 | 90.7% | 61.6% |
| Black or African American: | 103 | 1.4% | 12.4% |
| American Indian/Alaska Native: | 128 | 1.7% | 1.1% |
| Asian: | 24 | 0.3% | 6.0% |
| Native Hawaiian/Pacific Islander: | 7 | 0.1% | 0.2% |
| Some other race: | 57 | 0.8% | 8.4% |
| Two or more races: | 371 | 5.0% | 10.2% |
| Hispanic or Latino (any race): | 250 | 3.4% | 18.7% |
| Mexican: | 205 | 2.8% | 11.2% |
| Puerto Rican: | 152 | 2.0% | 1.8% |
| Cuban: | 34 | 0.5% | 0.7% |
| Other Hispanic or Latino: | 0 | 0.0% | 5.0% |
| Not Hispanic or Latino: | 19 | 0.3% | 81.1% |
Income Distribution (49740 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 128 | 3.9% | 4.9% |
| $10,000 to $14,999: | 104 | 3.2% | 3.8% |
| $15,000 to $24,999: | 248 | 7.6% | 7.0% |
| $25,000 to $34,999: | 207 | 6.3% | 7.4% |
| $35,000 to $49,999: | 291 | 8.9% | 10.7% |
| $50,000 to $74,999: | 593 | 18.1% | 16.1% |
| $75,000 to $99,999: | 492 | 15.0% | 12.8% |
| $100,000 to $149,999: | 559 | 17.1% | 17.1% |
| $150,000 to $199,999: | 231 | 7.1% | 8.8% |
| $200,000 or more: | 420 | 12.8% | 11.4% |
Commute to Work (49740 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 2,623 | 78.4% | 67.8% |
| Carpooled: | 177 | 5.3% | 8.7% |
| Public transportation: | 4 | 0.1% | 4.2% |
| Walked: | 59 | 1.8% | 2.5% |
| Other means: | 32 | 1.0% | 0.9% |
| Worked from home: | 395 | 11.8% | 13.8% |
| Mean travel time to work: | 20.3 min | -- | 26.7 min |
Industry (49740 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 54 | 1.6% | 1.6% |
| Construction: | 388 | 11.6% | 6.9% |
| Manufacturing: | 297 | 8.9% | 10.0% |
| Wholesale trade: | 84 | 2.5% | 2.4% |
| Retail trade: | 443 | 13.2% | 11.0% |
| Transportation, warehousing, utilities: | 124 | 3.7% | 5.8% |
| Information: | 43 | 1.3% | 1.9% |
| Finance, insurance, real estate: | 190 | 5.7% | 6.7% |
| Professional, scientific, management: | 307 | 9.2% | 12.1% |
| Education, health care, social services: | 656 | 19.6% | 23.3% |
| Arts, entertainment, food services: | 489 | 14.6% | 9.0% |
| Other services: | 130 | 3.9% | 4.7% |
| Public administration: | 142 | 4.2% | 4.7% |
Poverty Status (49740 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 6.7% | 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 (49740 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 6,890 | 92.5% | 91.3% |
| Private health insurance: | 5,596 | 75.1% | 67.6% |
| Public health coverage: | 3,028 | 40.6% | 35.9% |
| Without health insurance: | 454 | 6.1% | 8.7% |
Benefits & Assistance (49740 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 2,119 | 64.7% | 77.4% |
| Social Security income: | 1,488 | 45.5% | 31.0% |
| Retirement income: | 1,122 | 34.3% | 21.8% |
| Supplemental Security Income (SSI): | 113 | 3.5% | 4.5% |
| Cash public assistance income: | 21 | 0.6% | 1.8% |
| SNAP (food stamps) benefits: | 137 | 4.2% | 11.4% |
Housing Types (49740 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 4,934 | 81.1% | 61.4% |
| 1-unit, attached: | 247 | 4.1% | 6.1% |
| 2 units: | 130 | 2.1% | 3.4% |
| 3 or 4 units: | 214 | 3.5% | 4.3% |
| 5 to 9 units: | 244 | 4.0% | 4.6% |
| 10 to 19 units: | 76 | 1.2% | 4.3% |
| 20 or more units: | 75 | 1.2% | 9.9% |
| Mobile home: | 164 | 2.7% | 5.8% |
| Boat, RV, van, etc.: | 1 | 0.0% | 0.1% |
Year Structure Built (49740 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 12 | 0.2% | 0.6% |
| Built 2010 to 2019: | 185 | 3.0% | 8.2% |
| Built 2000 to 2009: | 885 | 14.5% | 13.5% |
| Built 1990 to 1999: | 1,162 | 19.1% | 13.2% |
| Built 1980 to 1989: | 991 | 16.3% | 13.2% |
| Built 1970 to 1979: | 1,129 | 18.6% | 14.6% |
| Built 1960 to 1969: | 381 | 6.3% | 10.2% |
| Built 1950 to 1959: | 228 | 3.7% | 9.9% |
| Built 1940 to 1949: | 248 | 4.1% | 4.6% |
| Built 1939 or earlier: | 864 | 14.2% | 12.0% |
Bedrooms (49740 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 89 | 1.5% | 2.4% |
| 1 bedroom: | 321 | 5.3% | 3.0% |
| 2 bedrooms: | 1,133 | 18.6% | 9.1% |
| 3 bedrooms: | 2,754 | 45.3% | 15.9% |
| 4 bedrooms: | 1,262 | 20.7% | 18.8% |
| 5 or more bedrooms: | 526 | 8.6% | 17.6% |
Heating Fuel (49740 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 1,977 | 60.4% | 47.1% |
| Bottled, tank, or LP gas: | 630 | 19.2% | 4.9% |
| Electricity: | 198 | 6.0% | 40.2% |
| Fuel oil, kerosene, etc.: | 6 | 0.2% | 4.2% |
| Coal or coke: | 0 | 0.0% | 0.1% |
| Wood: | 422 | 12.9% | 1.5% |
| Solar energy: | 5 | 0.2% | 0.1% |
| Other fuel: | 31 | 0.9% | 0.5% |
| No fuel used: | 4 | 0.1% | 0.2% |
Vehicles Available (49740 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 112 | 3.4% | 8.3% |
| 1 vehicle available: | 987 | 30.2% | 32.6% |
| 2 vehicles available: | 1,309 | 40.0% | 37.0% |
| 3 or more vehicles available: | 865 | 26.4% | 22.1% |
Home Value Distribution (49740 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 81 | 2.8% | 5.7% |
| $50,000 to $99,999: | 64 | 2.2% | 7.8% |
| $100,000 to $149,999: | 174 | 6.0% | 9.2% |
| $150,000 to $199,999: | 305 | 10.5% | 10.8% |
| $200,000 to $299,999: | 852 | 29.2% | 19.9% |
| $300,000 to $499,999: | 825 | 28.3% | 24.1% |
| $500,000 to $999,999: | 437 | 15.0% | 17.0% |
| $1,000,000 or more: | 180 | 6.2% | 5.6% |
Housing Costs (49740 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $1,615 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $610 / mo. | $584 / mo. |
| Median gross rent: | $1,085 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.24 | 2.53 |
| Average household size (renter-occupied): | 2.26 | 2.38 |
Households (49740 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 3,273 | -- | -- |
| Married-couple households: | 1,936 | 59.2% | 47.5% |
| Cohabiting couple households: | 392 | 12.0% | 7.0% |
| Male householder, no spouse: | 553 | 16.9% | 5.4% |
| Female householder, no spouse: | 645 | 19.7% | 12.7% |
| Householder living alone: | 615 | 18.8% | 28.6% |
| 65 years and over living alone: | 1,560 | 47.7% | 11.8% |
| Average household size: | 2.24 | -- | 2.53 |
| Average family size: | 2.68 | -- | -- |
Marital Status (49740 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 3,434 | -- | -- |
| Never married: | 809 | 23.6% | 37.0% |
| Now married: | 2,174 | 63.3% | 49.5% |
| Separated: | 141 | 4.1% | 1.5% |
| Widowed: | 284 | 8.3% | 2.6% |
| Divorced: | 490 | 14.3% | 9.3% |
School Enrollment (49740 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 1,132 | -- | -- |
| Nursery school, preschool: | 51 | 4.5% | 5.8% |
| Kindergarten: | 53 | 4.7% | 5.0% |
| Elementary school (grades 1-8): | 488 | 43.1% | 40.5% |
| High school (grades 9-12): | 300 | 26.5% | 21.4% |
| College or graduate school: | 240 | 21.2% | 27.3% |
Veterans & Disability (49740 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 6,330 | -- | -- |
| Veterans: | 449 | 7.1% | 6.3% |
| Civilian noninstitutionalized population: | 7,344 | -- | -- |
| With a disability: | 857 | 11.7% | 13.4% |
| Under 18 with disability: | 32 | 3.7% | 5.8% |
| 18 to 64 with disability: | 274 | 32.0% | 10.4% |
| 65 and over with disability: | 551 | 64.3% | 33.4% |
Mobility (Residence 1 Year Ago) (49740 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 6,611 | 88.7% | 86.9% |
| Different house: | 812 | 10.9% | 13.1% |
| Same county: | 393 | 48.4% | 7.0% |
| Different county: | 418 | 51.5% | 3.2% |
| Different state: | 102 | 12.6% | 2.5% |
| Abroad: | 1 | 0.1% | 0.4% |
Place of Birth (49740 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 7,359 | 98.8% | 86.2% |
| Foreign born: | 43 | 0.6% | 13.9% |
| Naturalized citizen: | 92 | 214.0% | 52.7% |
| Not a citizen: | 92 | 214.0% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 92 | 214.0% | 10.5% |
| Asia: | 45 | 104.7% | 31.3% |
| Africa: | 0 | 0.0% | 5.5% |
| Oceania: | 0 | 0.0% | 0.5% |
| Latin America: | 11 | 25.6% | 50.0% |
| Northern America: | 19 | 44.2% | 2.2% |
Language Spoken at Home (49740 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 7,191 | -- | -- |
| English only: | 7,080 | 98.5% | 78.3% |
| Language other than English: | 111 | 1.5% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 42 | 0.6% | 13.3% |
| Other Indo-European languages: | 44 | 0.6% | 3.5% |
| Asian/Pacific Island languages: | 12 | 0.2% | 3.5% |
| Other languages: | 13 | 0.2% | 1.0% |
Computers & Internet (49740 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 3,273 | 100.0% | 93.1% |
| Households with broadband internet: | 3,139 | 95.9% | 89.4% |
Harbor Springs, MI49740