ZIP Code 49601 — Cadillac city, MI Demographics & Data

ZIP code 49601 covers Cadillac, MI in Wexford County with a population of about 22,121.

At a glance, the area shows median age of 43.3 versus a U.S. median of about 38.9.

It sits in telephone area code 231; U.S. House district MI-2; the TRAVERSE CITY - CADILLAC media market.

Median household income in ZIP 49601 is about $65,704 — about 13% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.0%; unemployment rate near 6.3%; 24.6% of adults with a bachelor’s degree or higher (about 9.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 6.3% of workers reporting work-from-home (about 8.9 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 $166,500 — about 52% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $711 (about 39% below the U.S. median rent ($1,163)), and owner-occupancy near 78.8% (about 13.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49601 in Cadillac, MI, a household would need roughly $46,000 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 $1,070. That sits below the local median household income ($65,704), 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 Cadillac city, MI as Very Low (composite score 33.9), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (45.0) and wildfire (40.8). 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 Cadillac city, MI show little to no average snow and around 37.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 866 for ZIP 49601 (Cadillac 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.