ZIP Code 49680 — South Boardman CDP, MI Demographics & Data

ZIP code 49680 covers South Boardman, MI in Kalkaska County with a population of about 2,125.

At a glance, the area shows median age of 35.5 versus a U.S. median of about 38.9.

It sits in telephone area code 231; U.S. House district MI-1; the TRAVERSE CITY - CADILLAC media market.

Median household income in ZIP 49680 is about $62,105 — about 17% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.7%; unemployment rate near 2.9%; 17.4% of adults with a bachelor’s degree or higher (about 16.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Construction, and Manufacturing; about 16.1% of workers reporting work-from-home (roughly in line with 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 $155,400 — about 55% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $771 (about 34% below the U.S. median rent ($1,163)), and owner-occupancy near 94.0% (about 28.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49680 in South Boardman, MI, a household would need roughly $43,000 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 $998. That sits below the local median household income ($62,105), 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 South Boardman CDP, MI as Very Low (composite score 21.3), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (55.0) and flood (31.4). 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 South Boardman CDP, MI show little to no average snow.

IRS migration statistics show a net inflow of about 83 for ZIP 49680 (South Boardman 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.