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MI area data

Zcta 49686, MI

Zcta 49686, MI.

Population: 25,492 (Census ACS)

The median home value in Zcta 49686, MI is $406,395 — up 0.8% over the past year. Homes sell for a median $448,750 after a median 62 days on market. Typical rent runs $2,020/month. 10 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Low, with winterweather, coldwave, lightning 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

$406,395

Median home value

+0.8%

1-year change

62

Median days on market

Relatively Low

Hazard risk (county)

Home values & appreciation

Median home value
$406,395
1-year appreciation
+0.8%
3-year appreciation
+7.4%
5-year appreciation
+30.1%
10-year appreciation
+106.8%
All-time peak (2026-07)
$406,395
House Price Index (state)
387.5 (+5.5% YoY)

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

Market activity

Median sale price
$448,750
Median list price
$650,000
Median price per sqft
$302
1-year sale-price change
-13.2%
Median days on market
62 days
Homes sold (recent period)
56
For-sale inventory
173
Sale-to-list ratio
98.5%
Active listings
94
1-year forecast
+2.3%
Days to pending
43 days
New listings (monthly)
61

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

Rents

Typical rent
$2,020/mo
1-year rent change
+3.4%
Studio fair-market rent
$823/mo
1BR fair-market rent
$1,029/mo
2BR fair-market rent
$1,261/mo
3BR fair-market rent
$1,639/mo
4BR fair-market rent
$1,891/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

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
10
Elementary schools
3
Middle schools
0
High schools
4
Charter schools
2
School districts serving the area
Grand Traverse Academy, Old Mission Peninsula School, Traverse City Area Public Schools
Schools include
Grand Traverse Academy, Old Mission Peninsula School, Traverse City High School, Eastern Elementary School, Central High School

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

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Low
Top hazards (county)
winterWeather, coldWave, lightning, strongWind
Notable hazard ratings (county)
coldWave: Relatively High · hail: Relatively Low · inlandFlooding: Relatively Low · landslide: Relatively Low · lightning: Relatively Moderate · strongWind: Relatively Moderate
FEMA flood zone
X
Flood risk level
Minimal
Wildfire risk to homes (county)
Higher than 22% of US counties
Buildings in wildfire direct-exposure zone
63.2%
Radon potential (county)
Low radon potential — EPA Zone 3 of 3
EPA Superfund (NPL) sites within 5 mi
None
Nearest Superfund site
Grand Traverse Overall Supply Co. (6.8 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
45.0°F
Average high
55.0°F
Average low
36.0°F
Annual precipitation
37.7 in
Annual snowfall
96.8 in
USDA plant hardiness zone
6b (extreme annual low -5 to 0°F)

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

Walkability & transit

Walkability index
15.7 / 20
Transit service frequency
405
Jobs reachable by car (30 min)
14,371
Jobs reachable by transit (45 min)
9,011

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
1
Nearest national park
Sleeping Bear Dunes National Lakeshore (27 mi)
Airports within 30 mi
16
Nearest airport
Cherry Capital Airport (TVC) (2 mi)
Nearest major airport
Cherry Capital Airport (TVC) (2 mi)
Hospitals nearby (~15 mi)
1
Hospitals include
MUNSON MEDICAL CENTER
Avg hospital rating (CMS)
4.0 / 5
Best hospital rating nearby (CMS)
4.0 / 5
Solar radiation rating
Fair (3.7 kWh/m²/day)

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

Migration

Net migration (county)
+175 tax filers

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

Housing stock

Median year housing built
1,983
Housing built before 1970
27.2%
Housing built 2000 or later
26.6%
Median annual property tax
$3,653
Mean commute to work
15 min
Households with broadband internet
79.2%

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

Employment & development

Total county employment
45,933
Average weekly wage
$1,102
Top industries (by employment)
Health Care, Accommodation & Food, Construction
Annual residential building permits (county)
353

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

How it compares

Zcta 49686State medianUS median
Median home value$406,395$246,351$289,727
Median sale price$448,750$265,000$325,000
Median days on market62 days36 days51 days
Typical rent$2,020/mo$1,494/mo$1,808/mo
Median annual property tax$3,653$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 Zcta 49686, MI?
$406,395.
What is the median sale price in Zcta 49686, MI?
$448,750.
How long do homes take to sell in Zcta 49686, MI?
Median days on market: 62 days.
What is typical rent in Zcta 49686, MI?
Typical rent: $2,020/month.
What is the natural-hazard risk in Zcta 49686, MI?
Overall risk: Relatively Low (FEMA NRI, county-level). Top hazards: winterWeather, coldWave, lightning, strongWind.
Is Zcta 49686, MI in a flood zone?
Minimal (FEMA NFIP). FEMA flood zone X.
What is the wildfire risk in Zcta 49686, MI?
Risk to homes is higher than 22% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in Zcta 49686, MI?
Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near Zcta 49686, MI?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve Zcta 49686, MI?
10 schools (3 elementary, 4 high) (NCES, 2022-23).
Is Zcta 49686, MI walkable?
Walkability index: 15.7/20 (EPA Smart Location Database).
What is the cost of living in Zcta 49686, MI?
Regional Price Parity: 92.0 (100 = US average) (Below Average) (BEA RPP, metro/state-level).

ZIP code for Zcta 49686

Selling a home in Zcta 49686, MI?

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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