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 Moderate-density area
- $83,393
- Median income Above-median income area
- $264,300
- Median home value Near-median home value
- 23.6%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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 average Michigan ZIP), while per-capita income is $59,208. The poverty rate is 8.7%, with unemployment at 8.3%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $264,300 (20% above the average Michigan ZIP), while 87.5% of occupied homes are owner-occupied and median rent is $1,085.
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. The page also surfaces 4 ZIP codes within roughly 10 miles and 6 more in Cass County, so 49095 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 49095
Top 5 sectors by establishment count in Vandalia, MI
Which industries have the most business establishments in ZIP 49095.
- Construction
Construction
6 establishments
- Wholesale trade
Wholesale trade
3 establishments
- Retail trade
Retail trade
3 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 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
Who lives in ZIP 49095?
52.4
Median Age
53.8%
Male
46.2%
Female
1.0%
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?
$83,393
Median Household Income
+14% vs state ZIP avg
$59,208
Per Capita Income
8.7%
Poverty Rate
8.3%
Unemployment Rate
28.5 min
Mean Commute Time
How ZIP 49095 ranks among Michigan ZIPs
Vandalia, 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)
$83,393 Top 26% higher than 74% 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
1,329housing units
1,329
Total Housing Units
1,015
Occupied Units
314
Vacant Units
2.40
Avg Household Size
Occupancy Type
$264,300
Median Home Value
+20% vs state ZIP avg
$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.
- 49031
Cassopolis (49031)
7,884 residents
- 49067
Marcellus (49067)
4,522 residents
- 49095 1,960
Vandalia (49095)
1,960 residents
- 49130 1,659
Union (49130)
1,659 residents
- 49061 1,622
Jones (49061)
1,622 residents
What this shows Among its immediate neighbors, ZIP 49095 ranks #3 by population - useful context the national average alone can't give.
ZIP 49095 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49095
Vandalia (49095)
$83,393 median income
- 49061
Jones (49061)
$79,229 median income
- 49130
Union (49130)
$76,667 median income
- 49067
Marcellus (49067)
$74,583 median income
- 49031
Cassopolis (49031)
$66,944 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 49095, 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 (1,960 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Cass County
Related Areas
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.
Related
Take this with you
What to do with ZIP 49095's numbers, next.
- See how ZIP 49095 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Vandalia, 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.