PlainZIP

White Pigeon, MI · standard

ZIP Code 49099

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

5,629
37/sq mi
$70,307
Median income
$176,800
Median home value
14.2%
Bachelor's or higher

The verdict

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

47th pct
household income, US ZIPs
37th pct
home value, US ZIPs
37
people per sq mi
78%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49099 against every reporting US ZIP.

ZIP code 49099 is a mid-sized community (a standard USPS delivery area) in White Pigeon, St. Joseph County, Michigan, home to 5,629 residents across 153.0 square miles, a density of 37 people per square mile, in the Detroit time zone.

ZIP 49099 lands in the middle-income range, with a median household income of $70,307 (4% below the Michigan average), while per-capita income is $34,787. Local economic indicators show a 13.5% poverty rate alongside 4.4% unemployment. Housing costs here run $176,800 for a typical home value (19% below the state average), with rent averaging $941 a month; 78.2% of homes are owner-occupied.

Formal educational attainment runs low here: just 14.2% of adults hold a bachelor's degree or higher, the median age is 43.3, and the average commute is 19 minutes. To put 49099 in local context, 5 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in St. Joseph County, for a geography-aware comparison.

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 49099

Top 5 sectors by establishment count in White Pigeon, MI

Which industries have the most business establishments in ZIP 49099.

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 49099, White Pigeon, 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

5,629

Population

153.0

Area (sq mi)

37

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 49099?

43.3

Median Age

54.3%

Male

45.7%

Female

1.8%

Foreign-Born

White 89.6%
African American 0.4%
Asian 0.8%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 7.9%
Hispanic or Latino 6.8%

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?

$70,307

Median Household Income

-4% vs state

$34,787

Per Capita Income

13.5%

Poverty Rate

4.4%

Unemployment Rate

19.1 min

Mean Commute Time

How ZIP 49099 ranks nationally

White Pigeon, MI household income vs. every US ZIP code

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

$70,307 47th percentile higher than 47% 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 57.1%
Bachelor's Degree or Higher 14.2%

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

What does housing look like?

2,820

Total Housing Units

2,447

Occupied Units

373

Vacant Units

2.42

Avg Household Size

Occupancy Type

Owner 78.2%
Renter 21.8%

$176,800

Median Home Value

-19% vs state

$941

Median Rent

1975

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

+7.5%

YoY Change (2024)

215

HPI Index (2000 = 100)

+115%

Total Change Since 2000

Home values in ZIP 49099 have increased 7.5% over the past year (2024). Since 2000, this ZIP has seen +115% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.6% 140
2021 +9.9% 154
2022 +19.7% 185
2023 +8.4% 200
2024 +7.5% 215

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 86 business establishments in ZIP 49099, employing approximately 1,201 people with a combined annual payroll of $58,944,000.

86

Businesses

1,201

Employees

$58.9M

Annual Payroll

10

Industry Sectors

Industry Establishments % of Total
Manufacturing 15 17.4%
Retail trade 13 15.1%
Construction 11 12.8%
Wholesale trade 9 10.5%
Other services (except public administration) 9 10.5%
Accommodation and food services 7 8.1%
Transportation and warehousing 6 7.0%
Administrative and support and waste management and remediation services 4 4.7%
Professional, scientific, and technical services 3 3.5%
Health care and social assistance 3 3.5%

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 49099 vs 49042 →

ZIP 49099 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 49099 ranks #4 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 49099 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 49099 ranks #6 of 6 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
49042 Constantine, MI 4,892 4.6 mi
46540 Middlebury, IN 11,702 8.0 mi
46565 Shipshewana, IN 7,950 8.5 mi
46507 Bristol, IN 9,128 8.7 mi
49061 Jones, MI 1,622 9.6 mi

More ZIP Codes in St. Joseph County

49091 standard
Sturgis, MI
Pop: 19,872
49093 standard
Three Rivers, MI
Pop: 18,380
49042 standard
Constantine, MI
Pop: 4,892
49040 standard
Colon, MI
Pop: 3,388
49072 standard
Mendon, MI
Pop: 3,164
49032 standard
Centreville, MI
Pop: 3,105

Related Areas

St. Joseph County White Pigeon, MI Michigan

Frequently Asked Questions

What county is ZIP code 49099 in? ▼
ZIP code 49099 (White Pigeon) 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 49099? ▼
ZIP code 49099 in White Pigeon, MI has a population of 5,629 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49099? ▼
The median household income in ZIP 49099 is $70,307, which is 8% below the national average of $76,288.
What is the average home value in ZIP 49099? ▼
The median home value in ZIP 49099 is $176,800, which is 36% below the national average of $278,155.
What is the demographic makeup of ZIP 49099? ▼
The largest racial group in ZIP 49099 is White at 89.6%. Hispanic or Latino residents make up 6.8% of the population.
How many businesses are in ZIP code 49099? ▼
ZIP code 49099 has 86 business establishments employing approximately 1,201 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 49099? ▼
The top industries by establishment count in ZIP 49099 are: Manufacturing (15), Retail trade (13), Construction (11). There are 10 industry sectors represented in total.
How have home values changed in ZIP code 49099? ▼
According to the FHFA House Price Index, home values in ZIP 49099 increased by 7.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 115%. 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 49099? ▼
In ZIP code 49099, 57.1% of residents aged 25+ have a high school diploma or higher, and 14.2% 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 49099? ▼
The mean commute time for workers in ZIP code 49099 is 19.1 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 49099? ▼
In ZIP code 49099, approximately 78.2% of occupied housing units are owner-occupied and 21.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 49099? ▼
The poverty rate in ZIP code 49099 is 13.5% 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.