PlainZIP

Coloma, MI · standard

ZIP Code 49038

Berrien County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

9,310
95/sq mi
$62,636
Median income
$206,800
Median home value
20.8%
Bachelor's or higher

The verdict

Coloma pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

34th pct
household income, US ZIPs
45th pct
home value, US ZIPs
95
people per sq mi
77%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49038 against every reporting US ZIP.

ZIP code 49038 is a mid-sized community (a standard USPS delivery area) in Coloma, Berrien County, Michigan, home to 9,310 residents across 97.7 square miles, a density of 95 people per square mile, in the Detroit time zone.

ZIP 49038 reports a modest median household income of $62,636 (15% below the Michigan average), while per-capita income is $37,953. Poverty here runs at 11.2%, with unemployment measured at 3.7%. Housing costs here run $206,800 for a typical home value (6% below the state average), with rent averaging $938 a month; 76.7% of homes are owner-occupied.

Educational attainment sits below the national norm: 20.8% of adults hold a bachelor's degree or higher, the median age is 45.7, and the average commute is 28 minutes. Beyond these figures, 4 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Berrien County, letting you compare 49038 to its immediate surroundings rather than a national baseline alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 49038

Top 5 sectors by establishment count in Coloma, MI

Which industries have the most business establishments in ZIP 49038.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 49038, Coloma, MI · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

9,310

Population

97.7

Area (sq mi)

95

People / sq mi

Detroit

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 49038?

45.7

Median Age

50.3%

Male

49.7%

Female

3.4%

Foreign-Born

White 79.8%
African American 5.0%
Asian 0.1%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 11.8%
Hispanic or Latino 5.3%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$62,636

Median Household Income

-15% vs state

$37,953

Per Capita Income

11.2%

Poverty Rate

3.7%

Unemployment Rate

28.4 min

Mean Commute Time

How ZIP 49038 ranks nationally

Coloma, MI household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$62,636 34th percentile higher than 34% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 57.8%
Bachelor's Degree or Higher 20.8%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

5,123

Total Housing Units

3,727

Occupied Units

1,396

Vacant Units

2.29

Avg Household Size

Occupancy Type

Owner 76.7%
Renter 23.3%

$206,800

Median Home Value

-6% vs state

$938

Median Rent

1965

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+6.8%

YoY Change (2024)

238

HPI Index (2000 = 100)

+138%

Total Change Since 2000

Home values in ZIP 49038 have increased 6.8% over the past year (2024). Since 2000, this ZIP has seen +138% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.5% 155
2021 +10.9% 172
2022 +16.1% 200
2023 +11.2% 222
2024 +6.8% 238

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 143 business establishments in ZIP 49038, employing approximately 1,244 people with a combined annual payroll of $46,504,000.

143

Businesses

1,244

Employees

$46.5M

Annual Payroll

11

Industry Sectors

Industry Establishments % of Total
Retail trade 22 15.4%
Accommodation and food services 21 14.7%
Other services (except public administration) 18 12.6%
Construction 17 11.9%
Manufacturing 14 9.8%
Health care and social assistance 14 9.8%
Finance and insurance 9 6.3%
Administrative and support and waste management and remediation services 9 6.3%
Professional, scientific, and technical services 7 4.9%
Real estate and rental and leasing 4 2.8%
Arts, entertainment, and recreation 3 2.1%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 49038 vs 49084 →

ZIP 49038 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 49038 ranks #2 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 49038 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 49038 ranks the highest of 5 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
49084 Riverside, MI 36 3.2 mi
49098 Watervliet, MI 5,966 4.9 mi
49022 Benton Harbor, MI 31,814 6.5 mi
49043 Covert, MI 2,462 6.5 mi

More ZIP Codes in Berrien County

49120 standard
Niles, MI
Pop: 37,122
49022 standard
Benton Harbor, MI
Pop: 31,814
49085 standard
Saint Joseph, MI
Pop: 23,804
49103 standard
Berrien Springs, MI
Pop: 11,082
49127 standard
Stevensville, MI
Pop: 10,694
49107 standard
Buchanan, MI
Pop: 10,382

Related Areas

Berrien County Coloma, MI Michigan

Frequently Asked Questions

What county is ZIP code 49038 in? ▼
ZIP code 49038 (Coloma) is located in Berrien County, Michigan. Berrien County contains multiple ZIP codes, see the full list at /counties/berrien-mi.
What is the population of ZIP code 49038? ▼
ZIP code 49038 in Coloma, MI has a population of 9,310 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49038? ▼
The median household income in ZIP 49038 is $62,636, which is 18% below the national average of $76,288.
What is the average home value in ZIP 49038? ▼
The median home value in ZIP 49038 is $206,800, which is 26% below the national average of $278,155.
What is the demographic makeup of ZIP 49038? ▼
The largest racial group in ZIP 49038 is White at 79.8%. Hispanic or Latino residents make up 5.3% of the population.
How many businesses are in ZIP code 49038? ▼
ZIP code 49038 has 143 business establishments employing approximately 1,244 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 49038? ▼
The top industries by establishment count in ZIP 49038 are: Retail trade (22), Accommodation and food services (21), Other services (except public administration) (18). There are 11 industry sectors represented in total.
How have home values changed in ZIP code 49038? ▼
According to the FHFA House Price Index, home values in ZIP 49038 increased by 6.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 138%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 49038? ▼
In ZIP code 49038, 57.8% of residents aged 25+ have a high school diploma or higher, and 20.8% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 49038? ▼
The mean commute time for workers in ZIP code 49038 is 28.4 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 49038? ▼
In ZIP code 49038, approximately 76.7% of occupied housing units are owner-occupied and 23.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 49038? ▼
The poverty rate in ZIP code 49038 is 11.2% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.