PlainZIP

Vandalia, MI · standard

ZIP Code 49095

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

1,960
27/sq mi
$83,393
Median income
$264,300
Median home value
23.6%
Bachelor's or higher

The verdict

Vandalia pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.

Top 34%
household income, US ZIPs
Top 40%
home value, US ZIPs
27
people per sq mi
88%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49095 against every reporting US ZIP.

ZIP code 49095 covers 72.1 square miles in Vandalia, Cass County, Michigan (a standard USPS delivery area), with a modest 1,960 residents on file, a density of 27 people per square mile, in the Detroit time zone.

ZIP 49095 lands in the middle-income range, with a median household income of $83,393 (14% above the Michigan average), while per-capita income is $59,208. The poverty rate stands at 8.7% and the unemployment rate at 8.3%. Housing costs here run $264,300 for a typical home value (20% above the state average), with rent averaging $1,085 a month; 87.5% of homes are owner-occupied.

Educational attainment sits below the national norm: 23.6% of adults hold a bachelor's degree or higher, the median age is 52.4, and the average commute is 29 minutes. A geography-based comparison follows: 4 ZIP codes within about 10 miles of 49095, plus 6 more within Cass County, give a clearer read than the national average 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 49095

Top 5 sectors by establishment count in Vandalia, MI

Which industries have the most business establishments in ZIP 49095.

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 49095, Vandalia, 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

1,960

Population

72.1

Area (sq mi)

27

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 49095?

52.4

Median Age

53.8%

Male

46.2%

Female

1.0%

Foreign-Born

White 89.9%
African American 3.3%
Asian 0.9%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.3%
Hispanic or Latino 1.4%

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?

$83,393

Median Household Income

+14% vs state

$59,208

Per Capita Income

8.7%

Poverty Rate

8.3%

Unemployment Rate

28.5 min

Mean Commute Time

How ZIP 49095 ranks nationally

Vandalia, MI household income vs. every US ZIP code

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

$83,393 Top 34% higher than 66% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 50.1%
Bachelor's Degree or Higher 23.6%

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

What does housing look like?

1,329

Total Housing Units

1,015

Occupied Units

314

Vacant Units

2.40

Avg Household Size

Occupancy Type

Owner 87.5%
Renter 12.5%

$264,300

Median Home Value

+20% vs state

$1,085

Median Rent

1972

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

+0.4%

YoY Change (2024)

225

HPI Index (2000 = 100)

+125%

Total Change Since 2000

Home values in ZIP 49095 have increased 0.4% over the past year (2024). Since 2000, this ZIP has seen +125% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.9% 168
2021 +17.1% 197
2022 +4.7% 206
2023 +8.6% 224
2024 +0.4% 225

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 17 business establishments in ZIP 49095, employing approximately 55 people with a combined annual payroll of $2,654,000.

17

Businesses

55

Employees

$2.7M

Annual Payroll

3

Industry Sectors

Industry Establishments % of Total
Construction 6 35.3%
Wholesale trade 3 17.6%
Retail trade 3 17.6%

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 49095 vs 49061 →

ZIP 49095 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 49095 ranks #3 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 49095 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 49095 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
49061 Jones, MI 1,622 3.5 mi
49031 Cassopolis, MI 7,884 5.5 mi
49130 Union, MI 1,659 8.7 mi
49067 Marcellus, MI 4,522 9.0 mi

More ZIP Codes in Cass County

49047 standard
Dowagiac, MI
Pop: 14,805
49112 standard
Edwardsburg, MI
Pop: 10,171
49031 standard
Cassopolis, MI
Pop: 7,884
49067 standard
Marcellus, MI
Pop: 4,522
49130 standard
Union, MI
Pop: 1,659
49061 standard
Jones, MI
Pop: 1,622

Related Areas

Cass County Vandalia, MI Michigan

Frequently Asked Questions

What county is ZIP code 49095 in? ▼
ZIP code 49095 (Vandalia) is located in Cass County, Michigan. Cass County contains multiple ZIP codes, see the full list at /counties/cass-mi.
What is the population of ZIP code 49095? ▼
ZIP code 49095 in Vandalia, MI has a population of 1,960 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49095? ▼
The median household income in ZIP 49095 is $83,393, which is 9% above the national average of $76,288.
What is the average home value in ZIP 49095? ▼
The median home value in ZIP 49095 is $264,300, which is 5% below the national average of $278,155.
What is the demographic makeup of ZIP 49095? ▼
The largest racial group in ZIP 49095 is White at 89.9%. Hispanic or Latino residents make up 1.4% of the population.
How many businesses are in ZIP code 49095? ▼
ZIP code 49095 has 17 business establishments employing approximately 55 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 49095? ▼
The top industries by establishment count in ZIP 49095 are: Construction (6), Wholesale trade (3), Retail trade (3). There are 3 industry sectors represented in total.
How have home values changed in ZIP code 49095? ▼
According to the FHFA House Price Index, home values in ZIP 49095 increased by 0.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 125%. 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 49095? ▼
In ZIP code 49095, 50.1% of residents aged 25+ have a high school diploma or higher, and 23.6% 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 49095? ▼
The mean commute time for workers in ZIP code 49095 is 28.5 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 49095? ▼
In ZIP code 49095, approximately 87.5% of occupied housing units are owner-occupied and 12.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 49095? ▼
The poverty rate in ZIP code 49095 is 8.7% 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.