ZIP Code 49440 — Muskegon city, MI Demographics & Data

ZIP code 49440 covers Muskegon, MI in Muskegon County with a population of about 1,319.

At a glance, the area shows median age of 44.1 versus a U.S. median of about 38.9.

It sits in telephone area code 231; U.S. House district MI-3; the GRAND RAPIDS - KALMZOO - B. CRK media market.

Median household income in ZIP 49440 is about $42,500 — about 43% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.7%; unemployment rate near 0.0%; 36.0% of adults with a bachelor’s degree or higher (about 2.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Food services, and Administrative support; about 6.9% of workers reporting work-from-home (about 8.3 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 $163,100 — about 53% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $739 (about 36% below the U.S. median rent ($1,163)), and owner-occupancy near 27.9% (about 37.5 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49440 in Muskegon, MI, a household would need roughly $45,000 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 $1,048. That is roughly in line with the local median household income ($42,500). 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 Muskegon city, MI as Relatively Low (composite score 70.1), which is elevated versus much of the country. The strongest component scores on US5 are flood (77.7) and wildfire (30.5). 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 Muskegon city, MI show little to no average snow and around 35.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 52 for ZIP 49440 (Muskegon 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.