Best Places49635, MI Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 49635, scored on 40 measures of daily life and ranked to fit what matters to you. Several measures below read low, and the ranked lists name which ones. To work out which city fits you best, start with the best places to live tool.
49635 ranks 14,559th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on low disaster risk by a wide margin, and car insurance costs are the weak spot.
The best neighborhoods in 49635
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
49635's strengths and weaknesses
Where 49635 ranks high
- Disaster safetyBetter than 98% of zip codes
- Healthcare accessBetter than 96% of zip codes
- Voter turnoutBetter than 93% of zip codes
- Educational attainmentBetter than 88% of zip codes
- QuietBetter than 85% of zip codes
Where 49635 ranks low
- Cheap car insuranceBetter than only 5% of zip codes
- Housing crash safetyBetter than only 6% of zip codes
- Low vacancyBetter than only 8% of zip codes
- Local economyBetter than only 9% of zip codes
- Internet speedBetter than only 20% of zip codes
What it costs to buy a home in 49635
A household needs to earn about $88,000 a year to comfortably buy the median 49635 home, at 20% down and today's 30-year rate. That runs well above the area's median income of $70,332, so buying stretches a typical household.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 49635's effective rate of 0.83%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in 49635
49635 runs older than the country, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 49635.
Who works in 49635, and how
Work in 49635 centers on health care & social and hospitality & food. Unemployment sits above the national rate, and the job base is shrinking.
Largest industries
How people get to work
- Drive or carpool 77%
- Work from home 16%
- Transit, walk, or bike 7%
Life in 49635
49635 has more restaurants and bars per resident than 89% of zip codes. That concentrates in some parts of 49635 and thins out in others, which the map shows.
What the weather is like in 49635, month by month
49635 sees roughly 112 pleasant days a year. July highs average about 78 degrees. January highs sit near 31, with lows near 22. The comfortable stretch runs May through September.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 31° | 26° | 22° |
| April | 52° | 43° | 35° |
| July | 78° | 70° | 60° |
| October | 59° | 52° | 44° |
Flying in and out of 49635
The nearest airport, Manistee County/Blacker, is about 24 miles away and is a small airport. The nearest major hub is General Mitchell International, about 143 miles away.
The best schools in and around 49635
Schools across 49635 average a B−, better than 55% of zip codes.
Top elementary schools
- Frankfort Elementary SchoolB− · 44% proficient
- Crystal Lake Elementary SchoolD · 20% proficient
Top middle schools
- Benzie Central Middle SchoolD+ · 27% proficient
Top high schools
- Frankfort High SchoolB− · 43% proficient
- Bear Lake High SchoolD · 20% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 49635 school and its grade on SchoolGrade.
49635 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 49635 against the other 33,109 zip codes.
Common questions about living in 49635
Is 49635 a good place to live?
Using BestNeighborhood's default rankings, 49635 ranks 14,559th of 33,110 zip codes. It scores highest on low disaster risk, health care access, and civic engagement, and lowest on car insurance costs and an overheated housing market. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 49635 expensive to live in?
The median home is worth $336,521. The overall cost of living runs about 8% below the national average. Set against a $70,332 median income, cost of living beats 48% of zip codes.
Is 49635 safe?
Yes, 49635 is safer than 63% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $305 per resident a year.
Compare 49635 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 49635. Scores are absolute rather than ranked, which means a 60 in 49635 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
49635 detail on BestNeighborhood maps:
- Walk Grade for 49635: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 49635: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 49635: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 49635: carrier by carrier coverage behind the cell score.
49635 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.