The 49431 ZIP Code is associated with the city of Ludington in Michigan in Mason County in the United States. The current population estimate is 17,274. The median household income is $52,630, while about 10% of the population is living below the poverty line. The median age in 49431 is estimated to at 46.8 years, and about 30.6% of residents are aged 62 years and older. In this Michigan region, an estimated 93.0% have a high school degree or higher, and the per capita income is approximately $32,669.
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The median household income in ZIP Code 49431 is $52,630, while the region's mean household income is $73,328. Breaking income down further, per capita income in the region is $32,669. The per capita income in ZIP Code 49431 of $32,669 is approximately 3.01% more than the per capita income in Michigan overall of $31,713. An estimated 10.2% of the population is living below the poverty line in this region. This rate is approximately7.37% higher than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 20.4% of the population in 49431 earn $50,000 to $74,999 per year, while an estimated 13.0% earn $35,000 to $49,999 per year, and 3.3% of 49431 residents earn $150,000 to $199,999 per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 4.6% |
| $10,000 to $14,999 per year | 6.9% |
| $15,000 to $24,999 per year | 11.5% |
| $25,000 to $34,999 per year | 11.2% |
| $35,000 to $49,999 per year | 13.0% |
| $50,000 to $74,999 per year | 20.4% |
| $75,000 to $99,999 per year | 12.0% |
| $100,000 to $149,999 per year | 12.8% |
| $150,000 to $199,999 per year | 3.3% |
| $200,000 or more per year | 4.2% |
Looking at race in the population that makes up ZIP Code 49431, 98.1% is one race, while 1.9% are two or more races. Approximately 4.2% of 49431 residents are hispanic or Latino (of any race). The most common race in 49431 (race alone or in combination with one or more other races), is White (96.6%), followed by American Indian and Alaska Native (1.8%) .
| Industry | Percent |
|---|---|
| White | 96.6% |
| Black or African American | 1.1% |
| American Indian and Alaska Native | 1.8% |
| Asian | 1.0% |
| Native Hawaiian and Other Pacific Islander | 0.0% |
| Some other race | 1.4% |
Residents of ZIP Code 49431 are older than average. The median age of 46.8 years in ZIP Code 49431 is approximately 22.83% higher than the overall median age in the U.S. of 38.1 years. About 80.4% of residents are aged 18 years and older, and 30.6% of residents are 62 years and over. Approximately 14.3% of the population in 49431 falls in the age group 65 to 74 years, while an estimated 12.1% are aged 45 to 54 years. On the low end of the scale, 2.3% of 49431 residents are aged 85 years and over.
| Age Range | Percent |
|---|---|
| Under 5 years | 4.4% |
| 5 to 9 years | 5.2% |
| 10 to 14 years | 6.3% |
| 15 to 19 years | 5.4% |
| 20 to 24 years | 5.3% |
| 25 to 34 years | 10.6% |
| 35 to 44 years | 10.4% |
| 45 to 54 years | 12.1% |
| 55 to 59 years | 7.0% |
| 60 to 64 years | 8.2% |
| 65 to 74 years | 14.3% |
| 75 to 84 years | 8.6% |
| 85 years and over | 2.3% |
In ZIP Code 49431, 96.9% of the population lists "English only" as the language spoken in home, while 2.1% of lists Spanish. Additionally, Asian and Pacific Islander languages are spoken in 0.5% of homes, and other Indo-European languages are spoken in 0.3% of homes. Lastly, 0.2% of homes list "other languages" as spoken in the home. All percentages referenced are for the population 5 years and older in this Mason County region.
| Language Spoken | Percent |
|---|---|
| English only | 96.9% |
| Spanish | 2.1% |
| Other Indo-European languages | 0.5% |
| Asian and Pacific Islander languages | 0.3% |
| Other languages | 0.2% |
Regarding the age of homes in ZIP Code 49431, an estimated 19.9% of homes were built in 1939 or earlier. Additionally, 15.5% of homes in the region were built between 1970 and 1979, while an estimated 0.9% of homes were built between 2010 and 2013 in this Mason County region.
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 0.9% |
| Built between 2010 and 2013 | 0.9% |
| Built between 2000 and 2009 | 13.7% |
| Built between 1990 and 1999 | 11.6% |
| Built between 1980 and 1989 | 11.1% |
| Built between 1970 and 1979 | 15.5% |
| Built between 1960 and 1969 | 8.1% |
| Built between 1950 and 1959 | 12.7% |
| Built between 1940 and 1949 | 5.6% |
| Built in 1939 or earlier | 19.9% |
In ZIP Code 49431, 93.0% of the population graduated high school, while 26.5% have a bachelor's degree or higher. In this region, 2.3% achieved an education level less than 9th grade, while 11.5% hold a graduate or professional degree. Approximately 33.0% in this Mason County region reached the highest level of high school graduate (including equivalency).
| Education Level | Percent |
|---|---|
| Less than 9th grade | 2.3% |
| 9th to 12th grade, no diploma | 4.7% |
| High school graduate (includes equivalency) | 33.0% |
| Some college, no degree | 22.5% |
| Associate's degree | 11.1% |
| Bachelor's degree | 15.0% |
| Graduate or professional degree | 11.5% |
One of the leading chronic health issues in ZIP Code 49431 is high cholesterol, as an estimated 39.0% of adults aged 18 and older deal with this issue. Another chronic health issue of concern for residents of 49431 is high blood pressure, as approximately 38.2% of adults 18 and older in this Mason County region contend with that issue.
| Health Issue | Percent of adults* |
|---|---|
| Arthritis | 32.8% |
| High blood pressure | 38.2% |
| Cancer (excluding skin cancer) | 8.6% |
| Current asthma | 11.0% |
| Coronary heart disease | 7.7% |
| Diagnosed diabetes | 11.5% |
| High cholesterol | 39.0% |
| Chronic kidney disease | 3.6% |
| Stroke | 3.7% |
One of the top preventative health measures in ZIP Code 49431 is current access to health insurance, as an estimated 92.7% of adults 18 and older take part in this preventive measure. Additionally, 86.1% of those 18 and above in 49431 list cholesterol screening, as a preventive measure. Common health risk behaviors in 49431 include obesity (37.2% of adults aged 18 and above) and sleeping less than 7 hours (31.1% of those 18 and older).
| Preventive Measure | Percent of adults* |
|---|---|
| Current access to health insurance | 92.7% |
| Taking medicine for high blood pressure control | 80.4% |
| Visits to doctor for routine checkup | 75.4% |
| Cholesterol screening | 86.1% |
| Visits to dentist or dental clinic | 70.2% |
| Risk Behavior | Percent of adults* |
|---|---|
| Binge drinking | 15.4% |
| Current smoking | 18.0% |
| No leisure-time physical activity | 25.4% |
| Obesity | 37.2% |
| Sleeping less than 7 hours | 31.1% |
Regarding solar power potential, ZIP Code 49431 has an average daily solar radiation level of 4.46 kWh/m2/day. This is approximately 8.25% greater than an area in the U.S. with historically low solar radiation levels (WA), and about 32.32% less than an area in the U.S. with historically high solar radiation levels (AZ).
| Region | Residential | Commercial | Industrial |
|---|---|---|---|
| ZIP Code 49431 | 14.29¢/kWh | 11.29¢/kWh | 7.18¢/kWh |
| Michigan | 18.57¢/kWh | 13.73¢/kWh | 8.02¢/kWh |
| United States | 16.1¢/kWh | 12.81¢/kWh | 7.81¢/kWh |
| Month | ZIP Code 49431 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 2.01 | 1.9 | 5.84 |
| Feb | 3.2 | 3 | 6.31 |
| Mar | 5.2 | 3.65 | 7.02 |
| Apr | 5.52 | 5.13 | 7.3 |
| May | 5.96 | 5.17 | 7.13 |
| Jun | 5.9 | 5.72 | 6.95 |
| Jul | 6.16 | 6.22 | 6.51 |
| Aug | 5.94 | 6.08 | 6.65 |
| Sep | 5.42 | 5.15 | 7.02 |
| Oct | 3.89 | 3.32 | 6.92 |
| Nov | 2.58 | 2.33 | 5.99 |
| Dec | 1.7 | 1.78 | 5.46 |
Regarding consumer complaints about financial products in ZIP Code 49431, checking or savings account have received the most complaints in 49431 in the past 12 months. Mortgage received the second most complaints. The most frequent complaint overall in this Mason County region was managing an account.
| Complaint Product | Number of Complaints* |
|---|---|
| Checking or savings account | 1 |
| Mortgage | 1 |
| Complaint Issue | Number of Complaints* |
|---|---|
| Managing an account | 1 |
| Trouble during payment process | 1 |
In 49431, 56.7% of the population is in the labor force. Recent estimates place 2.2% as working from home, while the total labor force in the region has a mean travel to time to work of 14.5 minutes. Approximately 24.0% of the employed population 16 years and over in 49431 work in educational services, and health care and social assistance, while an estimated 17.0% work in arts, entertainment, and recreation, and accommodation and food services. On the lower end of the scale, just 1.7% of 49431 workers 16 years and over work in wholesale trade.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 2.3% |
| Construction | 3.6% |
| Manufacturing | 14.4% |
| Wholesale trade | 1.7% |
| Retail trade | 11.2% |
| Transportation and warehousing, and utilities | 6.5% |
| Information | 2.4% |
| Finance and insurance, and real estate and rental and leasing | 5.8% |
| Professional, scientific, management, and administrative | 3.4% |
| Educational services, and health care and social assistance | 24.0% |
| Arts, entertainment, and recreation, and accommodation and food services | 17.0% |
| Other services, except public administration | 4.4% |
| Public administration | 3.3% |