Population & age
- Total population
- 10,353
- Median age
- 43.6
ZIP 49696, MI (49696)
Grand Traverse County · Traverse City, MI · Population 10,353
Fresh.Data current as of Apr 24, 2026
MI 49696 (ZIP 49696) sits in Grand Traverse County within the Traverse City metro area. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Health Insurance comes in below the national average at 4.8%. No NCES schools are mapped to this ZIP in the current dataset. 4 colleges and universities serve the area, with median in-state tuition of $9,430. Social vulnerability is low in this ZIP at the 22th percentile (CDC SVI), reflecting strong baseline resilience to public-health emergencies and natural disasters. FEMA has issued 5 federal disaster declarations affecting this ZIP since 1977. Only 5.7% of residents under 65 are uninsured (County Health Rankings, 2025) — well below the national county median. Fast-food restaurants outnumber grocery stores roughly 4-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. IRS migration data (2022-2023) shows a net gain of 679 residents (304 households) — the ZIP's primary county is growing. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $94,223, fair market rent of $1,320 for a two-bedroom, and a typical home value of $434,810, up 3.5% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Demographics
Race & ethnicity
- White
- 92.6%
- Black
- 1.5%
- Asian
- 1.0%
- Hispanic / Latino
- 0.7%
- Other / multi-racial
- 4.8%
Income & housing
- Median household income
- $94,223
- Median home value
- $274,200
Education
- Bachelor's degree or higher (age 25+)
- 38.9%
Employment
- Unemployment rate
- 4.1%
Housing
- Owner-occupied
- 3,524(91.0%)
- Renter-occupied
- 350(9.0%)
- Vacant units
- 918
- Built (median)
- 1990
Commute
- Public transit
- 3(0.1%)
- Work from home
- 746(14.0%)
- Avg commute
- 19.5 min
Economic wellbeing
- Below poverty line
- 664(6.5%)
- Uninsured
- 32(0.3%)
Digital access
- Broadband access
- 3,687(95.2%)
- No broadband
- 187(4.8%)
Language & nativity
- Foreign-born
- 242(2.3%)
- Non-English at home
- 178(1.8%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$1,100
/month
1 Bed
$1,110
/month
2 Bed
$1,320
/month
3 Bed
$1,700
/month
4 Bed
$1,750
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$434,810
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
+3.5%
vs. March 2025
5-year change
+45.2%
vs. March 2021
Metro area
Traverse City, MI
Metropolitan statistical area
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing construction
New housing units permitted
883
Across 384 permitted buildings. Total construction value: $126.1M.
Single-family
353
40% of total units
Multifamily (2+ unit)
530
60% of total units
Single-family value
$75.5M
construction value
Multifamily value
$50.6M
construction value
Apartment construction (5+ unit buildings) accounts for 57% of new units this year — the area is densifying, not just adding single-family stock.
Based on county-level data (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Business & employment
Business establishments
169
Total employment
1,272
Annual payroll
$70.3M
Average annual pay
$55,274
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$59,257
Average weekly wage
$1,140
Total employment
51,962
Total establishments
3,762
That is roughly 9% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
3.9%
That tracks the US national unemployment rate of about 4.0%.
Labor force
53,488
Employed
51,411
Unemployed
2,077
Based on Grand Traverse County, MI data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Community health centers
Federally funded health-center sites
1
Single health-center site
One federally funded community health center serves this ZIP. Residents who need same-day care or specialty services may rely on neighboring ZIPs.
FQHC sites
1
federally qualified
Look-Alike sites
0
FQHC equivalents
Avg hours / week
40
across sites in this ZIP
Sites in this ZIP
- 1.Traverse City East Middle School E3
Federally Qualified Health Centers (FQHCs) and Look-Alike sites provide primary care on a sliding-fee scale, regardless of ability to pay. Active sites only; data refreshed 2026.
Source: HRSA Bureau of Primary Health Care (data.hrsa.gov). Per-ZIP counts of active service-delivery sites operated by Health Center Program grantees and Look-Alike organizations.
Public transit
FTA tracks transit service at the urbanized-area level. Numbers below reflect the agencies and modes serving the area that contains this ZIP, not stop-level coverage.
Service status
Available
Traverse City--Garfield, MI
Reporting agencies
1
Largest: Bay Area Transportation Authority
Annual ridership
—
unlinked trips · 2024
Source: U.S. Federal Transit Administration, National Transit Database (transit.dot.gov). Public domain.
Federal Disaster Declarations
Federally Declared Disasters
5
Date Range
1977–2020
Most Recent Declaration
COVID-19 PANDEMIC
Biological — declared March 27, 2020 (DR-4494)
Incident period: January 20, 2020 – May 11, 2023
Top Incident Types
- Biological2 (40%)
- Hurricane1 (20%)
- Snowstorm1 (20%)
- Drought1 (20%)
Households Program
1
Housing & temporary lodging support
Public Assistance
5
Repair of public facilities & roads
Hazard Mitigation
1
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
45.1°F
36° – 54.2°
Annual precipitation
36.2"
Annual snowfall
101"
Heating · cooling days
7,610.1 · 399
Annual base 65°F
Nearest station: TRAVERSE CITY MUNSON, MI US, 9.8 miles from the centroid of ZIP 49696 (ZIP 49696)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Community health profile
Years of potential life lost (per 100K)
6,589
That is roughly 1,611 years per 100,000 below the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
13%
of adults self-report
Poor physical health days
3.7
avg per adult per month
Poor mental health days
5.5
avg per adult per month
Uninsured
5.7%
of residents under 65
Primary care MDs
132
per 100,000 residents
Preventable hospital stays
2,172
per 100K Medicare enrollees
Food environment (0-10)
8.0
10 = best access & security
Exercise access
78%
residents near a facility
Flu vaccinated
56%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 6.5% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Grand Traverse data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Moderate food access challenges
17.0% of Grand Traverse County, MI residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.24
per 1,000 residents
Supercenters & clubs
0.05
per 1,000 residents
SNAP-authorized stores
0.82
accepting food benefits
Fast-food restaurants
1.05
per 1,000 residents
Among low-income residents, 5.4% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Grand Traverse County, MI for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Who’s moving in and out
Net migration (2022-2023)
▲+679 people
+304 households • +$145.1M net AGI flow
Moved in
3,954households
6,414 people • $390.3M AGI
Moved out
3,650households
5,735 people • $245.2M AGI
Where new residents came from
- Leelanau County, MI — 252 households
- Benzie County, MI — 149 households
- Oakland County, MI — 130 households
- Kalkaska County, MI — 122 households
- Wexford County, MI — 112 households
Where departing residents went
- Leelanau County, MI — 245 households
- Kalkaska County, MI — 182 households
- Benzie County, MI — 179 households
- Wexford County, MI — 165 households
- Kent County, MI — 142 households
Incoming households reported an average AGI of $98,698 versus departing households' $67,172.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in Michigan
State-level rules that apply to every resident of ZIP 49696. Numbers reflect the most recent published year per source.
Tax rates
Income tax
Yes
graduated
Sales tax (combined)
6.00%
State 6.00% · avg local 0.00%
Property tax (effective)
1.17%
Median $1,868/year
Tax burden rank
20 of 50
9.60% of personal income
For ZIP 49696: Applied to this ZIP's typical home value of $434,810, that works out to roughly $5,067/year in property tax.
Paid family leave
Program
No program
No program
Safety net
SNAP eligibility
200% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 49696
Nearby ZIPs by distance
49649 (Kingsley, 7.9 mi) · 49690 (8.8 mi) · 49685 (Chums Corner, 10.6 mi) · 49637 (Grawn, 11.3 mi) · 49684 (Greilickville, 11.5 mi) · 49680 (South Boardman, 12.2 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
34.8%
Tracks close to the 33.0% national rate.
High Blood Pressure
33.5%
Tracks close to the 32.0% national rate.
Depression
25.5%
3.5pp above the 22.0% national rate.
Annual Checkup
80.5%
4.5pp above the 76.0% national rate.
Health Insurance
4.8%
8.2pp below the 13.0% national rate.
Diabetes
9.8%
Tracks close to the 11.0% national rate.
Colleges & universities nearby
Colleges in this area
4
Median in-state tuition
$9,430
Median earnings (10 yr)
$37,000
- 4-Year
Northwestern Michigan College
Traverse City, MI · 49686
- In-state tuition
- $5,860
- Out-of-state tuition
- $13,476
- Acceptance rate
- —
- Graduation rate
- 24.9%
- Median earnings (10 yr)
- $38,167
- Median student debt
- $12,500
- Certificate
Cadillac Institute of Cosmetology
Cadillac, MI · 49601
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- —
- Median earnings (10 yr)
- $16,514
- Median student debt
- —
- 4-Year
Baker College of Cadillac
Cadillac, MI · 49601
- In-state tuition
- $13,000
- Out-of-state tuition
- $13,000
- Acceptance rate
- —
- Graduation rate
- —
- Median earnings (10 yr)
- $35,833
- Median student debt
- $25,000
- 4-Year
Davenport University-Traverse City Location
Traverse City, MI · 49684
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- —
- Median earnings (10 yr)
- $45,099
- Median student debt
- $26,000
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
MI 49696 (ZIP 49696) sits in Grand Traverse County within the Traverse City metro area. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Health Insurance comes in below the national average at 4.8%. No NCES schools are mapped to this ZIP in the current dataset. 4 colleges and universities serve the area, with median in-state tuition of $9,430. Social vulnerability is low in this ZIP at the 22th percentile (CDC SVI), reflecting strong baseline resilience to public-health emergencies and natural disasters. FEMA has issued 5 federal disaster declarations affecting this ZIP since 1977. Only 5.7% of residents under 65 are uninsured (County Health Rankings, 2025) — well below the national county median. Fast-food restaurants outnumber grocery stores roughly 4-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. IRS migration data (2022-2023) shows a net gain of 679 residents (304 households) — the ZIP's primary county is growing. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $94,223, fair market rent of $1,320 for a two-bedroom, and a typical home value of $434,810, up 3.5% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits higher the national rate at 25.5%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 49696
What is the obesity rate in ZIP 49696?
34.8%, which is 1.8 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 49696?
25.5%, which is 3.5 percentage points above the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 49696?
33.5%, which is 1.5 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the population of ZIP 49696?
10,353 people live in ZIP 49696, with a median age of 43.6 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 49696?
$94,223 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 49696 mostly renters or homeowners?
In ZIP 49696, 91.0% of occupied housing units are owner-occupied and 9.0% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 49696?
In ZIP 49696, 14.0% of workers work from home. Public transit is used by 0.1% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 49696?
6.5% of the population in ZIP 49696 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 49696 have broadband internet?
95.2% of households in ZIP 49696 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 49696?
The typical home value in ZIP 49696 is $434,810, up 3.5% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 49696?
Home values are up 3.5% over the past year and up 45.2% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
How many businesses are in ZIP 49696?
As of 2022, 169 business establishments operated in ZIP 49696 employing 1,272 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 49696?
The average annual pay across all local establishments in ZIP 49696 is $55,274, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 49696 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 49696 ranks in the 22th percentile nationally for social vulnerability — a low vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 49696?
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 49696, ranking in the 35th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 49696 experienced?
FEMA has recorded 5 federal disaster declarations affecting ZIP 49696 between 1977–2020 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 49696?
Biological is the most common federally declared disaster type affecting ZIP 49696, accounting for 2 of 5 declarations (40%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 49696?
The most recent FEMA disaster declaration affecting ZIP 49696 was "COVID-19 PANDEMIC" — a biological declared in 2020 (DR-4494) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 49696?
4 colleges and universities are listed near ZIP 49696 by the U.S. Department of Education College Scorecard, including Northwestern Michigan College, Cadillac Institute Of Cosmetology, and Baker College Of Cadillac (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 49696?
Median in-state tuition across 4 nearby institutions is $9,430 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 49696?
Graduates of nearby colleges earn a median of $37,000 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 49696?
ZIP 49696 has an average annual temperature of 45.1°F and 36.2" of annual precipitation based on the TRAVERSE CITY MUNSON, MI US weather station 9.8 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Does ZIP 49696 have public transit?
Yes — ZIP 49696 is part of the Traverse City--Garfield, MI urbanized area, primarily served by Bay Area Transportation Authority (National Transit Database 2024, retrieved May 4, 2026).
What taxes apply in ZIP 49696?
Michigan has a graduated income tax with a top rate of unspecified. Combined sales tax: 6.00% (Tax Foundation 2025).
Does Michigan have paid family leave?
Michigan has no state paid family leave program (Bipartisan Policy Center 2026).
What data is available for ZIP 49696?
This page covers health outcomes from CDC PLACES (40 metrics), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (4 institutions), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (5 on record), climate normals from NOAA NCEI (1991-2020), public transit coverage from the National Transit Database (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (5 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). Transit coverage retrieved May 4, 2026 from the National Transit Database (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 49696
Nearby ZIPs by distance
49649 (Kingsley, 7.9 mi) · 49690 (8.8 mi) · 49685 (Chums Corner, 10.6 mi) · 49637 (Grawn, 11.3 mi) · 49684 (Greilickville, 11.5 mi) · 49680 (South Boardman, 12.2 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
Have a specific question about ZIP 49696?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
22nd percentile
Low Vulnerability
Based on 6 census tracts, population 10,298
Vulnerability Themes
Households Without Vehicle
83
Limited English Speakers
36
Persons with Disability
1,181
Without HS Diploma
312
Without Health Insurance
510
Adults Age 65+
1,799
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.