ZIP Code 49613 — Arcadia CDP, MI Demographics & Data

ZIP code 49613 covers Arcadia, MI in Manistee County with a population of about 522.

At a glance, the area shows median age of 64.2 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.

Arcadia, MI fits a retirement-oriented profile (high share of residents 65+ (47.1%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 49613 is about $73,929 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.3%; unemployment rate near 13.5%; 33.7% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Other services, and Professional services; about 7.4% of workers reporting work-from-home (about 7.8 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 $230,100 — about 34% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 97.4% (about 32.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49613 in Arcadia, MI, a household would need roughly $63,000 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 $1,478. That sits below the local median household income ($73,929), 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 Arcadia CDP, MI as Very Low (composite score 37.2), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (56.9) and wildfire (28.2). 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 Arcadia CDP, MI show little to no average snow and around 36.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 20 for ZIP 49613 (Arcadia 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.