ZIP Code 49918 — Copper Harbor CDP, MI Demographics & Data

ZIP code 49918 covers Copper Harbor, MI in Keweenaw County with a population of about 135.

At a glance, the area shows median age of 40.3 (near the U.S. median).

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

Median household income in ZIP 49918 is about $54,286 — about 28% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.7%; unemployment rate near 0.0%; 67.3% of adults with a bachelor’s degree or higher (about 33.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Public administration, and Retail trade; about 25.0% of workers reporting work-from-home (about 9.8 points above the U.S. share (15.2%)); a mean commute of about 42.0 minutes (U.S. average near 26.8).

Median home value is about $285,400 — about 18% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 82.8% (about 17.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49918 in Copper Harbor, MI, a household would need roughly $79,000 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 $1,833. That is about 46% above the local median household income ($54,286), so the median earner would likely stretch or need a larger down payment. 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 Copper Harbor CDP, MI as Very Low (composite score 0.7), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (15.3) and flood (5.0). 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 Copper Harbor CDP, MI show little to no average snow and around 33.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 5 for ZIP 49918 (Copper 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.