Residential delivery area · Michigan
ZIP Code 49085: Saint Joseph, MI
ZIP code 49085 uses the postal name Saint Joseph, Michigan and lies entirely in Berrien County (Census 2020 ZIP-county file). About 24,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $104,969 (Census Bureau, ACS 2020-2024). By Census place, its land lies in St. Joseph (13%) and Shoreham (2%), and under 1% in smaller places; 84% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Saint Joseph · its only residential ZIP
- County
- Berrien County
- Census places
- St. Joseph (13%); Shoreham (2%)
- Metro area
- Niles, MI
- House districts
- MI-5 (63%), MI-4 (37%) 119th Congress, by share of land
- State
- Michigan
- Time zone
- Eastern
- Land area
- 24.1 sq mi · 987 people per sq mi
Where is ZIP code 49085?
49085 centers on 42.054°, -86.463° and covers 24.1 square miles of land plus 2.6 of water. It borders 4 ZIP codes: 49127, 49126, 49022, 49103.
The map draws ZIP code areas only. For the streets inside 49085, 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 49085 compare with the rest of Berrien County?
| Measure | 49085 | In Berrien County | In MI |
|---|---|---|---|
| People (ACS 2020-2024) | 23,827 | 3rd of 24 | 150th of 992 |
| Median household income | $105k | 1st of 16 | 80th of 774 |
| Median home value | $305k | 3rd of 17 | 151st of 779 |
Its median household income is higher than in 84% of U.S. residential ZIP codes, and it is denser than 78% 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 49085?
The 2020 Census counted 24,047 people in 49085; the ACS, which samples households over 2020-2024, estimates 23,827. Between the 2010 and 2020 censuses its population grew 1.0% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 23,827
- 2020 Census count
- 24,047+1.0% since 2010 (23,804)
- Households
- 10,423
- Median age
- 45.0
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 49085?
Of the 23,827 people the ACS estimates in 49085, 18.6% are under 18 and 23.4% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (83.8%).
- Under 1818.6%
- 18 to 6458.0%
- 65 and older23.4%
- White, not Hispanic83.8%
- Other or two or more6.1%
- Asian, not Hispanic4.2%
- Hispanic or Latino3.5%
- Black, not Hispanic2.5%
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 49085 earn?
Median household income is $104,969 (ACS 2020-2024), the highest of the 16 ranked ZIP codes in Berrien County. It rose from $92,965 in 2015-2019 (in 2024 dollars), a change larger than the surveys' margins of error.
- Median household income
- $104,969
- Income per person
- $56,068
- Below the poverty line
- 4.6%
- Unemployed (of the labor force)
- 2.2%
- Adults 25+ with a bachelor's degree
- 50.8%
- Adjusted gross income per tax return, 2022
- $111,06212,130 returns; wages 65% 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 49085?
FHFA's house price index for 49085, built from repeat sales and appraisals of the same homes, rose 85% from 2015 to 2025 and rose 50% from 2020 to 2025, and moved +2.9% in 2025.
- Median home value (owners' estimate)
- $304,600
- Median gross rent
- $1,091
- Homes owned by their occupants
- 76.3%
- Housing units
- 11,552
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 49085?
827 business establishments had a location in this ZIP code in 2023, 15 more than in 2018; the most are in health care and social assistance (ZIP Code Business Patterns).
- Health care and social assistance157
- Retail trade95
- Professional, scientific, and technical services94
- Accommodation and food services79
- Other services (except public administration)73
- Finance and insurance61
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 49085?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 49127 | Stevensville | 11,155 | $93k | 4.8 mi |
| 49126 | Sodus | 1,623 | $77k | 4.9 mi |
| 49022 | Benton Harbor | 29,460 | $40k | 6.1 mi |
| 49103 | Berrien Springs | 11,590 | $66k | 8.7 mi |
| 49101 | Baroda | 2,947 | $75k | 7.7 mi (near) |
| 49104 | Berrien Springs | 383 | – | 8.2 mi (near) |
| 49111 | Eau Claire | 3,159 | $71k | 9.1 mi (near) |
| 49106 | Bridgman | 4,741 | $73k | 9.3 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.