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Area data

Boyne City, MI — ZIP 49712

Population: 8,203 (Census ACS)

The median home value in ZIP 49712 (Boyne City, MI) is $435,055 — up 2.2% over the past year. 6 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Very Low, with coldwave the top-rated hazards. Cost of living is 8.0% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$435,055

Median home value

+2.2%

1-year change

Very Low

Hazard risk (county)

Home values & appreciation

Median home value
$435,055
1-year appreciation
+2.2%
3-year appreciation
+10.4%
5-year appreciation
+32.4%
10-year appreciation
+115.5%
All-time peak (2026-03)
$435,623
House Price Index (state)
387.5 (+5.5% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

For-sale inventory
77
New listings (monthly)
26

Source: recent area sales and market data (ZIP-level)

Affordability

Cost of living index (Below Average)
92.0 (100 = US avg)
Electricity rate (state-level)
20.0¢/kWh
Natural gas rate (state-level)
$10.90/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
6
Elementary schools
1
Middle schools
1
High schools
3
Charter schools
1
School districts serving the area
Concord Academy - Boyne, Boyne City Public Schools, Charlevoix-Emmet ISD
Schools include
Concord Academy Boyne, MorganShaw School, Boyne City High School, Boyne City Elementary School, Boyne City Middle School

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Very Low
Top hazards (county)
coldWave
Notable hazard ratings (county)
coldWave: Relatively Moderate · landslide: Relatively Low · lightning: Relatively Low · strongWind: Relatively Low
Wildfire risk to homes (county)
Higher than 13% of US counties
Buildings in wildfire direct-exposure zone
71.6%
Radon potential (county)
Moderate radon potential — EPA Zone 2 of 3
EPA Superfund (NPL) sites within 5 mi
None
Nearest Superfund site
Petoskey Municipal Well Field (10.6 mi)
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
43.5°F
Average high
52.5°F
Average low
35.0°F
Annual precipitation
39.2 in
Annual snowfall
147.6 in
USDA plant hardiness zone
5b (extreme annual low -15 to -10°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Amenities

National parks within ~60 mi
1
Nearest national park
Sleeping Bear Dunes National Lakeshore (53 mi)
Airports within 30 mi
16
Nearest airport
Boyne City Municipal Airport (2 mi)
Nearest major airport
Pellston Regional Airport of Emmet County Airport (PLN) (26 mi)
Hospitals nearby (~15 mi)
1,090
Hospitals include
MIZELL MEMORIAL HOSPITAL, CRENSHAW COMMUNITY HOSPITAL, CRENSHAW COMMUNITY HOSPITAL
Avg hospital rating (CMS)
3.1 / 5
Best hospital rating nearby (CMS)
5.0 / 5
EV charging stations (within 10 mi)
22
Solar radiation rating
Fair (3.6 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
+48 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,982
Housing built before 1970
32.7%
Housing built 2000 or later
20.5%
Median annual property tax
$2,767
Mean commute to work
17 min
Households with broadband internet
78.2%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
9,141
Average weekly wage
$1,086
Top industries (by employment)
Accommodation & Food, Construction, Administrative Services
Annual residential building permits (county)
113

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 49712State medianUS median
Median home value$435,055$246,351$289,727
Median annual property tax$2,767$2,175$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 49712?
$435,055.
What is the natural-hazard risk in ZIP 49712?
Overall risk: Very Low (FEMA NRI, county-level). Top hazards: coldWave.
What is the wildfire risk in ZIP 49712?
Risk to homes is higher than 13% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 49712?
Moderate radon potential — EPA Zone 2 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 49712?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 49712?
6 schools (1 elementary, 1 middle, 3 high) (NCES, 2022-23).
What is the cost of living in ZIP 49712?
Regional Price Parity: 92.0 (100 = US average) (Below Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents