Colon, MI · standard
ZIP Code 49040
St. Joseph County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 3,388
- 33/sq mi Moderate-density area
- $64,306
- Median income Near-median income area
- $169,900
- Median home value Near-median home value
- 14.3%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Colon pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.
- 37th pct
- household income, US ZIPs
- 34th pct
- home value, US ZIPs
- 33
- people per sq mi
- 81%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49040 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 49040 (Colon, MI) rose +19.6% from 2023 to 2024. The all-transactions index moved from 193.5 in 2023 to 231.4 in 2024 (2000 = 100).
ZIP code 49040 covers 103.9 square miles in Colon, St. Joseph County, Michigan (a standard USPS delivery area), with a modest 3,388 residents on file, a density of 33 people per square mile, in the Detroit time zone.
ZIP 49040 reports a modest median household income of $64,306 (12% below the average Michigan ZIP), while per-capita income is $32,325. The poverty rate is 11.4%, with unemployment at 3.5%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $169,900 (23% below the average Michigan ZIP), and median rent is $791; owner occupancy is 81.0%.
Formal educational attainment runs low here: just 14.3% of adults hold a bachelor's degree or higher, the median age is 42.4, and the average commute is 21 minutes. The page also surfaces 8 ZIP codes within roughly 10 miles and 6 more in St. Joseph County, so 49040 can be compared with both its immediate and county-level context.
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 49040
Top 5 sectors by establishment count in Colon, MI
Which industries have the most business establishments in ZIP 49040.
- Retail trade
Retail trade
9 establishments
- Accommodation and food services
Accommodation and food services
7 establishments
- Other services (except public administration)
Other services (except public administration)
6 establishments
- Construction
Construction
5 establishments
- Health care and social assistance
Health care and social assistance
4 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 49040, Colon, 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
3,388
Population
103.9
Area (sq mi)
33
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 49040?
42.4
Median Age
42.8%
Male
57.2%
Female
0.7%
Foreign-Born
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?
$64,306
Median Household Income
-12% vs state ZIP avg
$32,325
Per Capita Income
11.4%
Poverty Rate
3.5%
Unemployment Rate
21.3 min
Mean Commute Time
How ZIP 49040 ranks among Michigan ZIPs
Colon, MI household income vs. every Michigan ZIP code
Median household income among 962 reporting Michigan ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$64,306 40th percentile higher than 40% of 962 Michigan ZIPs
Each bar is a $20K-wide band; taller bars hold more Michigan 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
1,889housing units
1,889
Total Housing Units
1,319
Occupied Units
570
Vacant Units
2.57
Avg Household Size
Occupancy Type
$169,900
Median Home Value
-23% vs state ZIP avg
$791
Median Rent
1963
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
+19.6%
YoY Change (2024)
231
HPI Index (2000 = 100)
+131%
Total Change Since 2000
Home values in ZIP 49040 have increased 19.6% over the past year (2024). Since 2000, this ZIP has seen +131% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +6.6% | 147 |
| 2021 | +10.5% | 163 |
| 2022 | +4.0% | 169 |
| 2023 | +14.3% | 193 |
| 2024 | +19.6% | 231 |
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 46 business establishments in ZIP 49040, employing approximately 509 people with a combined annual payroll of $23,127,000.
46
Businesses
509
Employees
$23.1M
Annual Payroll
8
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 9 | 19.6% |
| Accommodation and food services | 7 | 15.2% |
| Other services (except public administration) | 6 | 13.0% |
| Construction | 5 | 10.9% |
| Health care and social assistance | 4 | 8.7% |
| Manufacturing | 3 | 6.5% |
| Finance and insurance | 3 | 6.5% |
| Professional, scientific, and technical services | 3 | 6.5% |
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 49040 vs 49066 →
ZIP 49040 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49091
Sturgis (49091)
19,872 residents
- 49028 6,387
Bronson (49028)
6,387 residents
- 49040 3,388
Colon (49040)
3,388 residents
- 49072 3,164
Mendon (49072)
3,164 residents
- 49030 2,523
Burr Oak (49030)
2,523 residents
- 49011 2,285
Athens (49011)
2,285 residents
- 49089 1,875
Sherwood (49089)
1,875 residents
- 49066 722
Leonidas (49066)
722 residents
- 49075 121
Nottawa (49075)
121 residents
What this shows Among its immediate neighbors, ZIP 49040 ranks #3 by population - useful context the national average alone can't give.
ZIP 49040 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49075
Nottawa (49075)
$105,147 median income
- 49089
Sherwood (49089)
$69,286 median income
- 49066
Leonidas (49066)
$69,236 median income
- 49030
Burr Oak (49030)
$69,167 median income
- 49091
Sturgis (49091)
$67,333 median income
- 49040
Colon (49040)
$64,306 median income
- 49072
Mendon (49072)
$63,875 median income
- 49028
Bronson (49028)
$60,127 median income
- 49011
Athens (49011)
$59,722 median income
What this shows By household income, ZIP 49040 ranks #6 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 49040, both outside MI so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (3,388 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in St. Joseph County
Related Areas
Frequently Asked Questions
What county is ZIP code 49040 in?
ZIP code 49040 (Colon) is located in St. Joseph County, Michigan. St. Joseph County contains multiple ZIP codes, see the full list at /counties/st-joseph-mi.
What is the population of ZIP code 49040?
ZIP code 49040 in Colon, MI has a population of 3,388 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49040?
The median household income in ZIP 49040 is $64,306, which is 16% below the national average of $76,288.
What is the average home value in ZIP 49040?
The median home value in ZIP 49040 is $169,900, which is 39% below the national average of $278,155.
What is the demographic makeup of ZIP 49040?
The largest racial group in ZIP 49040 is White at 93.9%. Hispanic or Latino residents make up 0.3% of the population.
How many businesses are in ZIP code 49040?
ZIP code 49040 has 46 business establishments employing approximately 509 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 49040?
The top industries by establishment count in ZIP 49040 are: Retail trade (9), Accommodation and food services (7), Other services (except public administration) (6). There are 8 industry sectors represented in total.
How have home values changed in ZIP code 49040?
According to the FHFA House Price Index, home values in ZIP 49040 increased by 19.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 131%. 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 49040?
In ZIP code 49040, 45.8% of residents aged 25+ have a high school diploma or higher, and 14.3% 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 49040?
The mean commute time for workers in ZIP code 49040 is 21.3 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 49040?
In ZIP code 49040, approximately 81.0% of occupied housing units are owner-occupied and 19.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 49040?
The poverty rate in ZIP code 49040 is 11.4% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 49040's numbers, next.
- See how ZIP 49040 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Colon, MI ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.