ZIP Code 49728 — undefined, MI Demographics & Data

ZIP code 49728 covers MI in Chippewa County with a population of about 411.

At a glance, the area shows median age of 58.8 versus a U.S. median of about 38.9.

It sits in telephone area code 906; U.S. House district MI-1; the TRAVERSE CITY - CADILLAC media market.

MI fits a retirement-oriented profile (older median age or known retirement-community context). 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 49728 is about $57,961 — about 23% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.9%; unemployment rate near 9.7%; 18.9% of adults with a bachelor’s degree or higher (about 14.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 31.4% of workers reporting work-from-home (about 16.2 points above the U.S. share (15.2%)); a mean commute of about 70.0 minutes (U.S. average near 26.8).

Median home value is about $118,600 — about 66% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 81.2% (about 15.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49728 in MI, a household would need roughly $33,000 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 $762. That sits below the local median household income ($57,961), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 MI as Very Low (composite score 26.3), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (75.4) and flood (49.9). 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 MI show little to no average snow and around 37.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 16 for ZIP 49728 (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.