ZIP Code 49456 — Ferrysburg city, MI Demographics & Data

ZIP code 49456 covers Ferrysburg, MI in Ottawa County with a population of about 19,972.

At a glance, the area shows median age of 48.2 versus a U.S. median of about 38.9.

It sits in telephone area code 616; U.S. House district MI-3; the GRAND RAPIDS - KALMZOO - B. CRK media market.

Median household income in ZIP 49456 is about $85,807 — about 14% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.0%; unemployment rate near 2.5%; 46.7% of adults with a bachelor’s degree or higher (about 13.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Education; about 13.5% of workers reporting work-from-home (about 1.7 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 $294,500 — about 15% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,040 (about 11% below the U.S. median rent ($1,163)), and owner-occupancy near 82.7% (about 17.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49456 in Ferrysburg, MI, a household would need roughly $81,000 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 $1,892. That is roughly in line with the local median household income ($85,807). 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 Ferrysburg city, MI as Relatively Moderate (composite score 82.9), which is elevated versus much of the country. The strongest component scores on US5 are flood (88.0) and wildfire (34.4). 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 Ferrysburg city, MI show little to no average snow and around 37.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 781 for ZIP 49456 (Ferrysburg 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.