ZIP Code 49449 — Pentwater village, MI Demographics & Data

ZIP code 49449 covers Pentwater, MI in Oceana County with a population of about 2,794.

At a glance, the area shows median age of 58.0 versus a U.S. median of about 38.9.

It sits in telephone area code 231; U.S. House district MI-2; the GRAND RAPIDS - KALMZOO - B. CRK media market.

Pentwater, MI fits a retirement-oriented profile (high share of residents 65+ (39.1%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 49449 is about $74,286 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.5%; unemployment rate near 5.0%; 43.4% of adults with a bachelor’s degree or higher (about 9.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Retail trade, and Construction; about 18.7% of workers reporting work-from-home (about 3.5 points above 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 $282,400 — about 19% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $550 (about 53% below the U.S. median rent ($1,163)), and owner-occupancy near 87.7% (about 22.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49449 in Pentwater, MI, a household would need roughly $78,000 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 $1,814. That is roughly in line with the local median household income ($74,286). 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 Pentwater village, MI as Very Low (composite score 33.7), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (43.6) and wildfire (34.6). 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 Pentwater village, MI show little to no average snow.

IRS migration statistics show a net inflow of about 109 for ZIP 49449 (Pentwater village, 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.