ZIP Code 49685 — Chums Corner CDP, MI Demographics & Data

ZIP code 49685 covers Chums Corner, MI in Grand Traverse County with a population of about 21,297.

At a glance, the area shows median age of 39.6 (near the U.S. median).

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

Median household income in ZIP 49685 is about $82,639 — about 10% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.7%; unemployment rate near 3.2%; 37.7% of adults with a bachelor’s degree or higher (about 4.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Food services; about 10.8% of workers reporting work-from-home (about 4.4 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 $309,200 — about 11% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,246 (about 7% above the U.S. median rent ($1,163)), and owner-occupancy near 80.0% (about 14.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49685 in Chums Corner, MI, a household would need roughly $85,000 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 $1,986. That is roughly in line with the local median household income ($82,639). 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 Chums Corner CDP, MI as Relatively Low (composite score 65.6), which is near the middle of the national distribution. The strongest component scores on US5 are flood (58.0) and wildfire (31.0). 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 Chums Corner CDP, MI show limited published climate normals on US5.

IRS migration statistics show a net inflow of about 833 for ZIP 49685 (Chums Corner 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.