ZIP code 49820

ZIP 49820 is a very small community in Mackinac County, Michigan, with 180 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #937 of 992 ranked by population — larger than 5% of them. The median age here is 65 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. 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 ZIP 49820 earn a median of $58,958 a year, 24.9% 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 15.6% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 49820 is valued at $105,400, 65.3% below the national figure, while median gross rent runs $517 a month, 63.2% below the national figure, or roughly $6,204 across a full year. A household on the local median income would put about 10.5% 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 1.8×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 83.5% 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 65 puts ZIP 49820 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. With 180 residents, a handful of survey responses moves every median on this page. Compare ZIP 49820 against its county rather than against national figures.

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.

ZIP 49820 is tabulated inside Mackinac County, Michigan, one of 10 ZIP areas the Census publishes for that county and 992 across Michigan. This is one of the smallest tabulated ZIP areas in the state, the kind of rural route where a single subdivision or farm cluster accounts for most addresses. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 49820 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 49820 reports a median household income of $58,958, 10% above the $53,631 county median, and 12% below the $66,726 typical MI ZIP. Owner-occupied homes are valued at a median of $105,400, 28% below the county figure and 41% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $517 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Michigan charges 6% statewide, and no local sales tax is layered on top, so the state rate is the full amount collected in 49820.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 49820 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.