ZIP Code 49740 — Harbor Springs city, MI Demographics & Data

ZIP code 49740 covers Harbor Springs, MI in Emmet County with a population of about 7,277.

At a glance, the area shows median age of 55.0 versus a U.S. median of about 38.9.

It sits in telephone area code 231; U.S. House district MI-1; the TRAVERSE CITY - CADILLAC media market.

Harbor Springs, 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 49740 is about $85,230 — about 13% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.0%; unemployment rate near 3.9%; 45.5% of adults with a bachelor’s degree or higher (about 11.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Construction, and Healthcare; about 13.8% of workers reporting work-from-home (about 1.4 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 $332,600 — about 4% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $764 (about 34% below the U.S. median rent ($1,163)), and owner-occupancy near 88.8% (about 23.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49740 in Harbor Springs, MI, a household would need roughly $92,000 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 $2,137. That is roughly in line with the local median household income ($85,230). 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 Harbor Springs city, MI as Very Low (composite score 38.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (53.1) and wildfire (16.2). 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 Harbor Springs city, MI show little to no average snow and around 33.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 285 for ZIP 49740 (Harbor Springs 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.