ZIP Code 49777 — Presque Isle Harbor CDP, MI Demographics & Data

ZIP code 49777 covers Presque Isle Harbor, MI in Presque Isle County with a population of about 1,933.

At a glance, the area shows median age of 59.7 versus a U.S. median of about 38.9.

It sits in telephone area code 989; U.S. House district MI-1; the TRAVERSE CITY - CADILLAC media market.

Presque Isle Harbor, MI fits a retirement-oriented profile (high share of residents 65+ (36.1%)). 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 49777 is about $85,781 — about 14% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.8%; unemployment rate near 4.6%; 34.2% 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 Healthcare, Education, and Construction; about 18.3% of workers reporting work-from-home (about 3.1 points above 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 $220,700 — about 37% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $570 (about 51% below the U.S. median rent ($1,163)), and owner-occupancy near 96.9% (about 31.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49777 in Presque Isle Harbor, MI, a household would need roughly $61,000 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 $1,418. That sits below the local median household income ($85,781), 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 Presque Isle Harbor CDP, MI as Very Low (composite score 21.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (44.0) and hurricane (23.4). 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 Presque Isle Harbor CDP, MI show little to no average snow.

IRS migration statistics show a net inflow of about 76 for ZIP 49777 (Presque Isle Harbor 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.