ZIP Code 49749 — Indian River CDP, MI Demographics & Data

ZIP code 49749 covers Indian River, MI in Cheboygan County with a population of about 4,860.

At a glance, the area shows median age of 56.6 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.

Indian River, 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 49749 is about $66,604 — about 11% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.0%; unemployment rate near 3.8%; 33.2% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Construction, and Manufacturing; about 10.2% of workers reporting work-from-home (about 5.0 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 $202,600 — about 42% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $763 (about 34% below the U.S. median rent ($1,163)), and owner-occupancy near 85.9% (about 20.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49749 in Indian River, MI, a household would need roughly $56,000 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 $1,301. That sits below the local median household income ($66,604), 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 Indian River CDP, MI as Relatively Low (composite score 59.5), which is near the middle of the national distribution. The strongest component scores on US5 are flood (77.9) and wildfire (25.3). 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 Indian River CDP, MI show little to no average snow and around 30.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 190 for ZIP 49749 (Indian River CDP, 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.