ZIP Code 49808 — Big Bay CDP, MI Demographics & Data

ZIP code 49808 covers Big Bay, MI in Marquette County with a population of about 237.

At a glance, the area shows median age of 53.4 versus a U.S. median of about 38.9.

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

Median household income in ZIP 49808 is about $49,063 — about 35% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 30.3%; unemployment rate near 5.0%; 31.1% of adults with a bachelor’s degree or higher (about 2.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Information, Food services, and Arts and entertainment; a mean commute of about 57.0 minutes (U.S. average near 26.8).

Median home value is about $254,000 — about 27% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 91.7% (about 26.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49808 in Big Bay, MI, a household would need roughly $70,000 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 $1,632. That is about 43% above the local median household income ($49,063), 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 Big Bay CDP, MI as Relatively Low (composite score 69.8), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (68.7) and flood (59.1). 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 Big Bay CDP, MI show little to no average snow and around 32.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 9 for ZIP 49808 (Big Bay 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.