Residential delivery area · Michigan
ZIP Code 49128: Three Oaks, MI
ZIP code 49128 uses the postal name Three Oaks, Michigan and lies entirely in Berrien County (Census 2020 ZIP-county file). About 3,500 people live there (Census Bureau, ACS 2020-2024). Median household income is $67,398 (Census Bureau, ACS 2020-2024). By Census place, 3% of its land lies in Three Oaks, and under 1% in smaller places; 97% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Three Oaks · its only residential ZIP
- County
- Berrien County
- Census places
- Three Oaks
- Metro area
- Niles, MI
- House district
- MI-5 119th Congress
- State
- Michigan
- Time zone
- Eastern
- Land area
- 43.7 sq mi · 79 people per sq mi
Where is ZIP code 49128?
49128 centers on 41.820°, -86.600° and covers 43.7 square miles of land plus 0.3 of water. It borders 10 ZIP codes: 49115, 49116, 49129, 49119, 49125, 49113, 49117, 49107, 46552, 46350.
The map draws ZIP code areas only. For the streets inside 49128, 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 49128 compare with the rest of Berrien County?
| Measure | 49128 | In Berrien County | In MI |
|---|---|---|---|
| People (ACS 2020-2024) | 3,450 | 11th of 24 | 560th of 992 |
| Median household income | $67k | 8th of 16 | 428th of 774 |
| Median home value | $258k | 7th of 17 | 235th of 779 |
Its median household income is higher than in 43% of U.S. residential ZIP codes, and it is denser than 50% 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 49128?
The 2020 Census counted 3,448 people in 49128; the ACS, which samples households over 2020-2024, estimates 3,450. Between the 2010 and 2020 censuses its population fell 7.2% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 3,450±445 (90% margin)
- 2020 Census count
- 3,448−7.2% since 2010 (3,715)
- Households
- 1,520
- Median age
- 49.4
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 49128?
Of the 3,450 people the ACS estimates in 49128, 18.2% are under 18 and 25.6% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (83.4%), then Hispanic or Latino (10.4%).
- Under 1818.2%
- 18 to 6456.3%
- 65 and older25.6%
- White, not Hispanic83.4%
- Hispanic or Latino10.4%
- Other or two or more4.1%
- Asian, not Hispanic1.8%
- Black, not Hispanic0.4%
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 49128 earn?
Median household income is $67,398 (ACS 2020-2024), the 8th highest of the 16 ranked ZIP codes in Berrien County. It is not measurably different from 2015-2019 ($70,692 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $67,398±$10,641
- Income per person
- $44,502
- Below the poverty line
- 7.2%
- Unemployed (of the labor force)
- 3.0%
- Adults 25+ with a bachelor's degree
- 27.5%
- Adjusted gross income per tax return, 2022
- $79,2791,630 returns; wages 57% 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 49128?
FHFA's house price index for 49128, built from repeat sales and appraisals of the same homes, rose 111% from 2015 to 2025 and rose 54% from 2020 to 2025, and moved +7.4% in 2025.
- Median home value (owners' estimate)
- $258,300
- Median gross rent
- $1,034
- Homes owned by their occupants
- 83.1%
- Housing units
- 2,009
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 49128?
73 business establishments had a location in this ZIP code in 2023, 2 fewer than in 2018; the most are in accommodation and food services (ZIP Code Business Patterns).
- Accommodation and food services11
- Retail trade10
- Construction9
- Professional, scientific, and technical services8
- Administrative and support and waste management and remediation services8
- Arts, entertainment, and recreation6
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 49128?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 49115 | Harbert | 147 | – | 4.2 mi |
| 49116 | Lakeside | 86 | $128k | 4.2 mi |
| 49129 | Union Pier | 669 | $106k | 4.4 mi |
| 49119 | New Troy | 134 | $57k | 4.7 mi |
| 49125 | Sawyer | 1,990 | $80k | 5.1 mi |
| 49113 | Galien | 1,742 | $59k | 5.2 mi |
| 49117 | New Buffalo | 3,358 | $75k | 7.0 mi |
| 49107 | Buchanan | 10,323 | $66k | 9.6 mi |
| 46552 | New Carlisle, IN | 7,047 | $91k | 10.0 mi |
| 46350 | La Porte, IN | 44,763 | $74k | 16.0 mi |
| 49106 | Bridgman | 4,741 | $73k | 8.5 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.