Three Oaks, MI · standard
ZIP Code 49128
Berrien County, Michigan - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 3,715
- 33/sq mi Moderate-density area
- $67,398
- Median income Near-median income area
- $258,300
- Median home value Near-median home value
- 27.5%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Three Oaks pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.
- 43rd pct
- household income, US ZIPs
- Top 41%
- home value, US ZIPs
- 33
- people per sq mi
- 83%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 49128 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 49128 (Three Oaks, MI) rose +5.5% from 2023 to 2024. The all-transactions index moved from 249.4 in 2023 to 263.2 in 2024 (2000 = 100).
ZIP code 49128 covers 111.2 square miles in Three Oaks, Berrien County, Michigan (a standard USPS delivery area), with a modest 3,715 residents on file, a density of 33 people per square mile, in the Detroit time zone.
ZIP 49128 reports a modest median household income of $67,398 (8% below the average Michigan ZIP), while per-capita income is $44,502. Both reported hardship measures are comparatively low in absolute terms: poverty is 7.2% and unemployment is 3.0%. Housing is both higher-cost and owner-heavy: median home value is $258,300 (18% above the average Michigan ZIP), while 83.1% of occupied homes are owner-occupied and median rent is $1,034.
Educational attainment sits below the national norm: 27.5% of adults hold a bachelor's degree or higher, the median age is 49.4, and the average commute is 22 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Berrien County, so 49128 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 49128
Top 5 sectors by establishment count in Three Oaks, MI
Which industries have the most business establishments in ZIP 49128.
- Accommodation and food services
Accommodation and food services
11 establishments
- Retail trade
Retail trade
10 establishments
- Construction
Construction
9 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
8 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
8 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 49128, Three Oaks, 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
3,715
Population
111.2
Area (sq mi)
33
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 49128?
49.4
Median Age
50.6%
Male
49.4%
Female
5.0%
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?
$67,398
Median Household Income
-8% vs state ZIP avg
$44,502
Per Capita Income
7.2%
Poverty Rate
3.0%
Unemployment Rate
22.0 min
Mean Commute Time
How ZIP 49128 ranks among Michigan ZIPs
Three Oaks, 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)
$67,398 48th percentile higher than 48% 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
2,009housing units
2,009
Total Housing Units
1,520
Occupied Units
489
Vacant Units
2.27
Avg Household Size
Occupancy Type
$258,300
Median Home Value
+18% vs state ZIP avg
$1,034
Median Rent
1965
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
+5.5%
YoY Change (2024)
263
HPI Index (2000 = 100)
+163%
Total Change Since 2000
Home values in ZIP 49128 have increased 5.5% over the past year (2024). Since 2000, this ZIP has seen +163% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +6.1% | 178 |
| 2021 | +13.4% | 202 |
| 2022 | +10.9% | 224 |
| 2023 | +11.3% | 249 |
| 2024 | +5.5% | 263 |
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 73 business establishments in ZIP 49128, employing approximately 483 people with a combined annual payroll of $19,134,000.
73
Businesses
483
Employees
$19.1M
Annual Payroll
8
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Accommodation and food services | 11 | 15.1% |
| Retail trade | 10 | 13.7% |
| Construction | 9 | 12.3% |
| Professional, scientific, and technical services | 8 | 11.0% |
| Administrative and support and waste management and remediation services | 8 | 11.0% |
| Arts, entertainment, and recreation | 6 | 8.2% |
| Other services (except public administration) | 4 | 5.5% |
| Finance and insurance | 3 | 4.1% |
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 49128 vs 49115 →
ZIP 49128 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46552
New Carlisle (46552)
6,834 residents
- 49106
Bridgman (49106)
4,636 residents
- 49117
New Buffalo (49117)
3,951 residents
- 49128
Three Oaks (49128)
3,715 residents
- 46371
Rolling Prairie (46371)
3,599 residents
- 49125 2,046
Sawyer (49125)
2,046 residents
- 49113 1,904
Galien (49113)
1,904 residents
- 49129 609
Union Pier (49129)
609 residents
- 49116 394
Lakeside (49116)
394 residents
What this shows Among its immediate neighbors, ZIP 49128 ranks #4 by population - useful context the national average alone can't give.
ZIP 49128 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49116
Lakeside (49116)
$127,857 median income
- 49129
Union Pier (49129)
$106,181 median income
- 46371
Rolling Prairie (46371)
$99,830 median income
- 46552
New Carlisle (46552)
$91,341 median income
- 49125
Sawyer (49125)
$79,766 median income
- 49117
New Buffalo (49117)
$75,114 median income
- 49106
Bridgman (49106)
$72,500 median income
- 49128
Three Oaks (49128)
$67,398 median income
- 49113
Galien (49113)
$59,219 median income
What this shows By household income, ZIP 49128 ranks #8 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 49115 | Harbert, MI | 294 | 4.1 mi |
| 49129 | Union Pier, MI | 609 | 4.4 mi |
| 49116 | Lakeside, MI | 394 | 3.8 mi |
| 49125 | Sawyer, MI | 2,046 | 5.1 mi |
| 49119 | New Troy, MI | 136 | 4.9 mi |
| 49113 | Galien, MI | 1,904 | 5.4 mi |
| 46371 | Rolling Prairie, IN | 3,599 | 9.4 mi |
| 49117 | New Buffalo, MI | 3,951 | 6.8 mi |
| 49106 | Bridgman, MI | 4,636 | 8.8 mi |
| 46552 | New Carlisle, IN | 6,834 | 9.8 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 49128, 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 (3,715 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 49128 in?
ZIP code 49128 (Three Oaks) 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 49128?
ZIP code 49128 in Three Oaks, MI has a population of 3,715 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 49128?
The median household income in ZIP 49128 is $67,398, which is 12% below the national average of $76,288.
What is the average home value in ZIP 49128?
The median home value in ZIP 49128 is $258,300, which is 7% below the national average of $278,155.
What is the demographic makeup of ZIP 49128?
The largest racial group in ZIP 49128 is White at 83.4%. Hispanic or Latino residents make up 10.4% of the population.
How many businesses are in ZIP code 49128?
ZIP code 49128 has 73 business establishments employing approximately 483 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 49128?
The top industries by establishment count in ZIP 49128 are: Accommodation and food services (11), Retail trade (10), Construction (9). There are 8 industry sectors represented in total.
How have home values changed in ZIP code 49128?
According to the FHFA House Price Index, home values in ZIP 49128 increased by 5.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 163%. 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 49128?
In ZIP code 49128, 61.7% of residents aged 25+ have a high school diploma or higher, and 27.5% 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 49128?
The mean commute time for workers in ZIP code 49128 is 22.0 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 49128?
In ZIP code 49128, approximately 83.1% of occupied housing units are owner-occupied and 16.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 49128?
The poverty rate in ZIP code 49128 is 7.2% 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 49128's numbers, next.
- See how ZIP 49128 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Three Oaks, 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.