ZIP Code 49431 — Ludington city, MI Demographics & Data

ZIP code 49431 covers Ludington, MI in Mason County with a population of about 17,027.

At a glance, the area shows median age of 48.5 versus a U.S. median of about 38.9.

It sits in telephone area code 231; U.S. House district MI-2; the TRAVERSE CITY - CADILLAC media market.

Median household income in ZIP 49431 is about $63,313 — about 16% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.0%; unemployment rate near 3.7%; 29.1% of adults with a bachelor’s degree or higher (about 4.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 10.0% of workers reporting work-from-home (about 5.2 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $218,600 — about 37% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $738 (about 37% below the U.S. median rent ($1,163)), and owner-occupancy near 72.3% (about 6.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49431 in Ludington, MI, a household would need roughly $60,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,404. That is roughly in line with the local median household income ($63,313). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Ludington city, MI as Very Low (composite score 25.3), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (44.8) and wildfire (41.5). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Ludington city, MI show little to no average snow.

IRS migration statistics show a net inflow of about 666 for ZIP 49431 (Ludington city, MI) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.