Zip Code 49686
Traverse City, Michigan — Grand Traverse County
📍 ZIP code 49686 is in Traverse City, Grand Traverse County, Michigan.
ZIP code 49686 is located in Traverse City, Grand Traverse County, Michigan. It is a zip code in the Eastern (EST/EDT) Time Zone with an estimated population of 25,181. The area code for ZIP code 49686 is 231.
Quick Answer
Zip code 49686 is in Traverse City, Michigan (Grand Traverse County). It has a population of 25,181, median household income of $71,198, and median home value of $295,500.
Population
25,181
Income
$71,198
Home Value
$295,500
Climate
81°F / 17°F
About Zip Code 49686
Zip code 49686 is located in Traverse City, Michigan, within Grand Traverse County. Home to approximately 25,181 residents, this area sits at an elevation of 712 ft and falls within the Eastern (EST/EDT) timezone. The local area code is 231.
The median household income is $71,198 per year, which is above the national median of $70,784. Homes in this zip code have a median value of $295,500, and the cost of living index is 95 (5% below the national average of 100).
Summers average a high of 81°F while winters drop to 17°F. The area receives about 29 in of rain and 58 in of snow annually. The zip code covers 120.2 square miles of land area and 29 square miles of water.
Key Statistics
25,181
$71,198
$295,500
Eastern (EST/EDT)
231
712 ft
120.2 sq mi
47.1
13,261
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Compare With Nearby Zip Codes
| Metric | 49686 | 49666 | 49684 | 49690 | 49637 | 49649 |
|---|---|---|---|---|---|---|
| City | Traverse City, MI | Mayfield, MI | Traverse City, MI | Williamsburg, MI | Grawn, MI | Kingsley, MI |
| Population | 25,181 | 0 | 21,328 | 6,682 | 3,535 | 7,293 |
| Median Income | $71,198 | $0 | $75,678 | $105,701 | $74,871 | $73,021 |
| Home Value | $295,500 | $0 | $375,700 | $329,100 | $228,100 | $246,900 |
| Cost of Living | 95 | 100 | 113 | 122 | 78 | 85 |
| Median Age | 47.1 | 0 | 48.1 | 44.5 | 40.3 | 36.6 |
Cost of Living
100 = National Average. Traverse City's cost of living is 5% below the national average.
vs. State Avg
Below
Affordability
Affordable
Income-to-Home
4.2x
Demographics
Zip code 49686 has a population of 25,181 people with a median age of 47.1. There are 13,261 housing units in this area.
Racial & Ethnic Composition
Source: U.S. Census Bureau American Community Survey estimates.
Population History
Traverse City (49686) population trend from 2010 to 2024
↓ -18.3%Source: U.S. Census Bureau estimates and American Community Survey data.
Climate & Weather
81°F
17°F
29 in
58 in
Traverse City experiences warm summers with average highs around 81°F. Winters are cold with lows averaging 17°F. With 58 in of annual snowfall, residents should be prepared for significant winter weather.
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Housing & Economy
Median Home Value
$295,500
Median Household Income
$71,198
With 13,261 housing units across 120.2 square miles, 49686 has a housing density of 110 units per square mile. The home price-to-income ratio is 4.2x.
Location & Geography
Latitude
44.7137°
Longitude
-85.5578°
Land Area
120.2 sq mi
Water Area
29 sq mi
Nearby Zip Codes
Zip codes closest to 49686 (Traverse City, MI) with distances:
All Zip Codes in Traverse City, MI
Other zip codes serving Traverse City:
ZIP Codes with Similar Income Nationwide
The five U.S. ZIP codes whose median household income is closest to 49686's $71,198. A way to compare Traverse City to economically similar communities elsewhere in the country.
Computed from U.S. Census Bureau ACS 5-Year Estimates by the Zip Code Near Me Data Team.
ZIP Codes with Similar Demographics
The five U.S. ZIP codes whose racial and ethnic composition most closely matches 49686 (Traverse City, MI). Similarity is measured by cosine distance on the five-category ACS demographic vector.
Computed from U.S. Census Bureau ACS 5-Year Estimates by the Zip Code Near Me Data Team.
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People Also Ask
What zip code is Traverse City, Michigan?
Traverse City, Michigan uses zip code 49686 along with 1 other zip codes.
What county is zip code 49686 in?
Zip code 49686 is located in Grand Traverse County, Michigan.
What is the population of zip code 49686?
The population of zip code 49686 is 25,181 with a median age of 47.1.
Is 49686 in Traverse City, Michigan?
Yes, zip code 49686 is in Traverse City, Grand Traverse County, Michigan. The area code is 231.
Frequently Asked Questions
What city is zip code 49686 in?
Zip code 49686 is in Traverse City, Michigan. It is part of Grand Traverse County and uses the Eastern (EST/EDT) timezone.
What is zip code 49686?
Zip code 49686 is a U.S. postal code in Traverse City, Michigan (Grand Traverse County). It has a population of 25,181 and covers 120.2 square miles.
What is the population of zip code 49686?
The population of zip code 49686 (Traverse City, MI) is 25,181 with a median age of 47.1. There are approximately 13,261 housing units in this area.
What is the median income in zip code 49686?
The median household income in zip code 49686 (Traverse City, MI) is $71,198 per year. The cost of living index is 95 (100 = national average).
What is the average home price in zip code 49686?
The median home value in zip code 49686 (Traverse City, MI) is $295,500. The cost of living index is 95 compared to the national average of 100.
What county is zip code 49686 in?
Zip code 49686 is located in Grand Traverse County, Michigan. The primary city is Traverse City.
What is the area code for zip code 49686?
Zip code 49686 in Traverse City, MI uses area code 231. It is located in the Eastern (EST/EDT) timezone.
Is zip code 49686 a good place to live?
Zip code 49686 (Traverse City, MI) has a cost of living index of 95 (100 = national average), a median household income of $71,198, and median home values of $295,500. The median age is 47.1. Visit the full page for demographics, climate, and nearby zip code comparisons.
What is the cost of living in zip code 49686?
The cost of living index for zip code 49686 (Traverse City, MI) is 95, where 100 represents the national average. This area is below the national average. Median home value: $295,500.
What schools serve zip code 49686?
Zip code 49686 in Traverse City, Michigan is served by the local school district of Grand Traverse County. For specific school information, check your state's department of education or GreatSchools.org.
All demographic data on this page is sourced from the U.S. Census Bureau American Community Survey (ACS) 5-Year Estimates. ZIP code boundary and delivery data is sourced from the United States Postal Service (USPS). Data is updated periodically and may not reflect the most current figures. Census Bureau ZIP Code Tabulation Areas (ZCTAs) may differ slightly from USPS ZIP code boundaries.
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Data Sources
- Population, income, housing, age, and demographics
- U.S. Census Bureau, American Community Survey 5-Year Estimates, 2019-2023 vintage.
- ZIP to city and county mapping
- USPS and HUD-USPS ZIP-County Crosswalk.
- Time zones and area codes
- IANA tz database and NANPA.
- Elevation
- U.S. Geological Survey National Elevation Dataset (NED), via the USGS Elevation Point Query Service. Mapped to each ZCTA centroid coordinates. Last refreshed 2026-05-19.
- Last refreshed
- 2026-05-18.