ZIP Code 49745 — undefined, MI Demographics & Data

ZIP code 49745 covers MI in Mackinac County with a population of about 819.

At a glance, the area shows median age of 56.2 versus a U.S. median of about 38.9.

It sits in telephone area code 906; U.S. House district MI-1; the TRAVERSE CITY - CADILLAC media market.

MI fits a retirement-oriented profile (older median age or known retirement-community context). 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 49745 is about $33,534 — about 55% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 26.3%; unemployment rate near 37.0%; 15.8% of adults with a bachelor’s degree or higher (about 17.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Healthcare, and Retail trade; about 17.7% of workers reporting work-from-home (about 2.5 points above the U.S. share (15.2%)); a mean commute of about 163.0 minutes (U.S. average near 26.8).

Median home value is about $117,700 — about 66% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $483 (about 58% below the U.S. median rent ($1,163)), and owner-occupancy near 78.3% (about 12.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49745 in MI, a household would need roughly $32,000 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 $756. That is roughly in line with the local median household income ($33,534). 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 MI as Very Low (composite score 9.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (47.6) and flood (29.7). 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 MI show little to no average snow and around 34.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 32 for ZIP 49745 (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.