Boyne City is at the southeast end of the east arm of Lake Charlevoix, where the Boyne River enters the lake. It is at the corners of four townships, though it is politically independent: Evangeline Township is to the northwest, Melrose Township to the northeast, Boyne Valley Township to the southeast, and Wilson Township to the southwest.
M-75 connects with US 131 twice, at Walloon Lake about 6 miles to the northeast and at Boyne Falls about 6 miles to the southeast. County roads run west out of the city along the north and south shores of Lake Charlevoix.
There were 1,468 households out of which 31.5% had children under the age of 18 living with them, 49.6% were married couples living together, 10.7% had a female householder with no husband present, and 36.5% were non-families. 31.7% of all households were made up of individuals and 15.0% had someone living alone who was 65 years of age or older. The average household size was 2.38 and the average family size was 3.01.
In the city the population was spread out with 26.4% under the age of 18, 7.4% from 18 to 24, 28.5% from 25 to 44, 22.0% from 45 to 64, and 15.8% who were 65 years of age or older. The median age was 38 years. For every 100 females there were 95.4 males. For every 100 females age 18 and over, there were 90.6 males.
The median income for a household in the city was $35,819, and the median income for a family was $44,096. Males had a median income of $29,558 versus $22,583 for females. The per capita income for the city was $19,030. About 8.9% of families and 11.8% of the population were below the poverty line, including 18.2% of those under age 18 and 6.7% of those age 65 or over.