Cheboygan, MI population, income and ZIP codes

Cheboygan city is a small town in Michigan, with 4,801 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #185 of 745 ranked by population — larger than 75% of them. The median age here is 42.1 years against 39.1 nationally, a slightly older profile than the country as a whole. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Cheboygan city earn a median of $41,338 a year, 47.4% below the national figure of $78,538 and 33% below the $61,715 median for the 438 Michigan cities we cover. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 19% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in Cheboygan city is valued at $118,700, 60.9% below the national figure and 29% below the $166,100 peer median, while median gross rent runs $733 a month, 47.9% below the national figure, or roughly $8,796 across a full year. A household on the local median income would put about 21.3% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 2.9×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 64.8% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.