Cheboygan ZIP codes — Cheboygan County, Michigan

Cheboygan County is a small city in Michigan, with 25,778 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates. The median age here is 51.9 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in Cheboygan County earn a median of $61,619 a year, 21.5% below the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 12.8% of residents here, above the 12.4% national rate.

The typical owner-occupied home in Cheboygan County is valued at $175,200, 42.3% below the national figure, while median gross rent runs $822 a month, 41.5% below the national figure, or roughly $9,864 across a full year. A household on the local median income would put about 16% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.8×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 85% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. 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.

A median age of 51.9 puts Cheboygan County well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. 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.