ZIP Code 49757 — Mackinac Island city, MI Demographics & Data

ZIP code 49757 covers Mackinac Island, MI in Mackinac County with a population of about 663.

At a glance, the area shows median age of 39.8 (near the U.S. median).

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

Median household income in ZIP 49757 is about $100,125 — about 33% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.3%; unemployment rate near 9.1%; 38.1% of adults with a bachelor’s degree or higher (about 4.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Other services, and Retail trade; about 8.2% of workers reporting work-from-home (about 7.0 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 $834,600 — about 140% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,068 (about 8% below the U.S. median rent ($1,163)), and owner-occupancy near 48.5% (about 16.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49757 in Mackinac Island, MI, a household would need roughly $230,000 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 $5,361. That is about 130% above the local median household income ($100,125), so the median earner would likely stretch or need a larger down payment. 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 Mackinac Island city, MI as Very Low (composite score 9.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (47.6) and flood (29.7). 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 Mackinac Island city, MI show little to no average snow and around 33.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 26 for ZIP 49757 (Mackinac Island 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.