Berrien Springs, MI · standard
ZIP Code 49103
Berrien County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 11,082
- 96/sq mi Moderate-density area
- $65,827
- Median income Near-median income area
- $229,400
- Median home value Near-median home value
- 53.8%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Berrien Springs pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.
- 40th pct
- household income, US ZIPs
- Top 48%
- home value, US ZIPs
- 96
- people per sq mi
- 63%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49103 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 49103 (Berrien Springs, MI) rose +7.0% from 2023 to 2024. The all-transactions index moved from 200.0 in 2023 to 213.9 in 2024 (2000 = 100).
ZIP code 49103 is a mid-sized community (a standard USPS delivery area) in Berrien Springs, Berrien County, Michigan, home to 11,082 residents across 115.2 square miles, a density of 96 people per square mile, in the Detroit time zone.
ZIP 49103 reports a modest median household income of $65,827 (10% below the average Michigan ZIP), while per-capita income is $35,017. The poverty rate is 17.3%, with unemployment at 3.1%; those measures add context to the income figure. Median home value is $229,400 (4% above the average Michigan ZIP) and median rent is $921; 63.0% of occupied homes are owner-occupied.
This is a highly-educated ZIP: 53.8% of adults hold a bachelor's degree or higher, the median age is 37.8, and the average commute is 21 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Berrien County, so 49103 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 49103
Top 5 sectors by establishment count in Berrien Springs, MI
Which industries have the most business establishments in ZIP 49103.
- Construction
Construction
30 establishments
- Health care and social assistance
Health care and social assistance
28 establishments
- Retail trade
Retail trade
22 establishments
- Other services (except public administration)
Other services (except public administration)
17 establishments
- Accommodation and food services
Accommodation and food services
14 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 49103, Berrien Springs, 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
11,082
Population
115.2
Area (sq mi)
96
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 49103?
37.8
Median Age
48.1%
Male
51.9%
Female
18.9%
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?
$65,827
Median Household Income
-10% vs state ZIP avg
$35,017
Per Capita Income
17.3%
Poverty Rate
3.1%
Unemployment Rate
20.7 min
Mean Commute Time
How ZIP 49103 ranks among Michigan ZIPs
Berrien Springs, 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)
$65,827 44th percentile higher than 44% 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
4,926housing units
4,926
Total Housing Units
4,421
Occupied Units
505
Vacant Units
2.42
Avg Household Size
Occupancy Type
$229,400
Median Home Value
+4% vs state ZIP avg
$921
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
+7.0%
YoY Change (2024)
214
HPI Index (2000 = 100)
+114%
Total Change Since 2000
Home values in ZIP 49103 have increased 7.0% over the past year (2024). Since 2000, this ZIP has seen +114% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.4% | 148 |
| 2021 | +12.7% | 167 |
| 2022 | +10.4% | 184 |
| 2023 | +8.5% | 200 |
| 2024 | +7.0% | 214 |
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 180 business establishments in ZIP 49103, employing approximately 1,695 people with a combined annual payroll of $74,894,000.
180
Businesses
1,695
Employees
$74.9M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 30 | 16.7% |
| Health care and social assistance | 28 | 15.6% |
| Retail trade | 22 | 12.2% |
| Other services (except public administration) | 17 | 9.4% |
| Accommodation and food services | 14 | 7.8% |
| Manufacturing | 11 | 6.1% |
| Finance and insurance | 10 | 5.6% |
| Professional, scientific, and technical services | 10 | 5.6% |
| Real estate and rental and leasing | 9 | 5.0% |
| Administrative and support and waste management and remediation services | 9 | 5.0% |
| Arts, entertainment, and recreation | 5 | 2.8% |
| Transportation and warehousing | 4 | 2.2% |
| Information | 4 | 2.2% |
| Wholesale trade | 3 | 1.7% |
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 49103 vs 49104 →
ZIP 49103 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49120
Niles (49120)
37,122 residents
- 49085
Saint Joseph (49085)
23,804 residents
- 49103 11,082
Berrien Springs (49103)
11,082 residents
- 49127 10,694
Stevensville (49127)
10,694 residents
- 49107 10,382
Buchanan (49107)
10,382 residents
- 49111 3,346
Eau Claire (49111)
3,346 residents
- 49101 3,104
Baroda (49101)
3,104 residents
- 49113 1,904
Galien (49113)
1,904 residents
- 49102 1,563
Berrien Center (49102)
1,563 residents
What this shows Among its immediate neighbors, ZIP 49103 ranks #3 by population - useful context the national average alone can't give.
ZIP 49103 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49085
Saint Joseph (49085)
$104,969 median income
- 49127
Stevensville (49127)
$93,338 median income
- 49126
Sodus (49126)
$76,875 median income
- 49101
Baroda (49101)
$75,048 median income
- 49111
Eau Claire (49111)
$70,915 median income
- 49107
Buchanan (49107)
$66,289 median income
- 49103
Berrien Springs (49103)
$65,827 median income
- 49120
Niles (49120)
$65,148 median income
- 49102
Berrien Center (49102)
$63,000 median income
What this shows By household income, ZIP 49103 ranks #7 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 49104 | Berrien Springs, MI | 868 | 1.5 mi |
| 49126 | Sodus, MI | 1,341 | 5.5 mi |
| 49101 | Baroda, MI | 3,104 | 5.5 mi |
| 49102 | Berrien Center, MI | 1,563 | 5.9 mi |
| 49107 | Buchanan, MI | 10,382 | 7.2 mi |
| 49111 | Eau Claire, MI | 3,346 | 7.0 mi |
| 49085 | Saint Joseph, MI | 23,804 | 8.3 mi |
| 49127 | Stevensville, MI | 10,694 | 8.1 mi |
| 49120 | Niles, MI | 37,122 | 10.9 mi |
| 49113 | Galien, MI | 1,904 | 11.9 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 49103, 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 (11,082 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Berrien County
Related Areas
Frequently Asked Questions
What county is ZIP code 49103 in?
ZIP code 49103 (Berrien Springs) is located in Berrien County, Michigan. Berrien County contains multiple ZIP codes, see the full list at /counties/berrien-mi.
What is the population of ZIP code 49103?
ZIP code 49103 in Berrien Springs, MI has a population of 11,082 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49103?
The median household income in ZIP 49103 is $65,827, which is 14% below the national average of $76,288.
What is the average home value in ZIP 49103?
The median home value in ZIP 49103 is $229,400, which is 18% below the national average of $278,155.
What is the demographic makeup of ZIP 49103?
The largest racial group in ZIP 49103 is White at 60.4%. Hispanic or Latino residents make up 12.6% of the population.
How many businesses are in ZIP code 49103?
ZIP code 49103 has 180 business establishments employing approximately 1,695 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 49103?
The top industries by establishment count in ZIP 49103 are: Construction (30), Health care and social assistance (28), Retail trade (22). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 49103?
According to the FHFA House Price Index, home values in ZIP 49103 increased by 7.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 114%. 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 49103?
In ZIP code 49103, 69.7% of residents aged 25+ have a high school diploma or higher, and 53.8% 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 49103?
The mean commute time for workers in ZIP code 49103 is 20.7 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 49103?
In ZIP code 49103, approximately 63.0% of occupied housing units are owner-occupied and 37.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 49103?
The poverty rate in ZIP code 49103 is 17.3% 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 49103's numbers, next.
- See how ZIP 49103 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Berrien Springs, MI ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.