Residential delivery area · Michigan
ZIP Code 49038: Coloma, MI
ZIP code 49038 uses the postal name Coloma, Michigan and lies mostly in Berrien County (86% of its land) with the rest in Van Buren County (Census 2020 ZIP-county file). About 8,600 people live there (Census Bureau, ACS 2020-2024). Median household income is $62,636 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Lake Michigan Beach (9%), Paw Paw Lake (8%) and Coloma (2%); 80% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Coloma · its only residential ZIP
- County
- Berrien County (86%); Van Buren County (14%)
- Census places
- Lake Michigan Beach (9%) census-designated place; Paw Paw Lake (8%) census-designated place; Coloma (2%)
- Metro area
- Niles, MI
- House district
- MI-4 119th Congress
- State
- Michigan
- Time zone
- Eastern
- Land area
- 39.0 sq mi · 221 people per sq mi
Where is ZIP code 49038?
49038 centers on 42.203°, -86.321° and covers 39.0 square miles of land plus 2.5 of water. It borders 3 ZIP codes: 49098, 49043, 49022.
The map draws ZIP code areas only. For the streets inside 49038, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 49038 compare with the rest of Berrien County?
| Measure | 49038 | In Berrien County | In MI |
|---|---|---|---|
| People (ACS 2020-2024) | 8,616 | 8th of 24 | 362nd of 992 |
| Median household income | $63k | 13th of 16 | 533rd of 774 |
| Median home value | $207k | 10th of 17 | 385th of 779 |
Its median household income is higher than in 34% of U.S. residential ZIP codes, and it is denser than 64% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 49038?
The 2020 Census counted 8,979 people in 49038; the ACS, which samples households over 2020-2024, estimates 8,616. Between the 2010 and 2020 censuses its population fell 3.6% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 8,616
- 2020 Census count
- 8,979−3.6% since 2010 (9,310)
- Households
- 3,727
- Median age
- 45.7
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 49038?
Of the 8,616 people the ACS estimates in 49038, 20.2% are under 18 and 22.4% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (79.5%), then Other or two or more (10.1%).
- Under 1820.2%
- 18 to 6457.4%
- 65 and older22.4%
- White, not Hispanic79.5%
- Other or two or more10.1%
- Hispanic or Latino5.3%
- Black, not Hispanic5.0%
- Asian, not Hispanic0.1%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 49038 earn?
Median household income is $62,636 (ACS 2020-2024), the 13th highest of the 16 ranked ZIP codes in Berrien County. It is not measurably different from 2015-2019 ($69,202 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $62,636±$8,281
- Income per person
- $37,953
- Below the poverty line
- 11.2%
- Unemployed (of the labor force)
- 3.7%
- Adults 25+ with a bachelor's degree
- 20.8%
- Adjusted gross income per tax return, 2022
- $67,2674,290 returns; wages 66% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 49038?
FHFA's house price index for 49038, built from repeat sales and appraisals of the same homes, rose 105% from 2015 to 2025 and rose 51% from 2020 to 2025, and moved −0.8% in 2025.
- Median home value (owners' estimate)
- $206,800
- Median gross rent
- $938
- Homes owned by their occupants
- 76.7%
- Housing units
- 5,123
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 49038?
143 business establishments had a location in this ZIP code in 2023, 6 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade22
- Accommodation and food services21
- Other services (except public administration)18
- Construction17
- Manufacturing14
- Health care and social assistance14
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 49038?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 49098 | Watervliet | 6,215 | $59k | 4.9 mi |
| 49043 | Covert | 2,102 | $36k | 6.3 mi |
| 49022 | Benton Harbor | 29,460 | $40k | 6.8 mi |
| 49084 | Riverside | 38 | $54k | 3.6 mi (near) |
| 49057 | Hartford | 6,434 | $51k | 7.2 mi (near) |
| 49126 | Sodus | 1,623 | $77k | 12.1 mi (near) |
| 49085 | Saint Joseph | 23,827 | $105k | 12.6 mi (near) |
| 49111 | Eau Claire | 3,159 | $71k | 12.5 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.