ZIP Code 49128
standardSource:
Three Oaks · Berrien County · Michigan
- Population
- 3,715
- Median income
- $67,398
- Median home value
- $258,300
- Bachelor's or higher
- 27.5%
- Land area
- 111.2 sq mi
33/sq mi
▼ 12% vs US
higher than 43% of US ZIPs
▼ 7% vs US
higher than 59% of US ZIPs
Median age 49.4
Detroit
ZIP code 49128 in Three Oaks, Michigan has a population of 3,715. The median household income is $67,398, which is 12% below the national average. Median home value is $258,300, 7% below the US average. 27.5% of residents hold a bachelor's degree or higher.
ZIP code 49128 is classified by USPS as a standard delivery area and covers roughly 111.2 square miles in Three Oaks, Berrien County, Michigan. The area is home to 3,715 residents, producing a population density of 33 people per square mile, and falls within the Detroit time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 49128 against Michigan and the nation.
On the economic side, the median household income for ZIP 49128 sits at $67,398 (8% below the Michigan average), while per-capita income is $44,502. The poverty rate stands at 7.2% and the unemployment rate at 3.0%. On housing, the median home value is $258,300 (18% above the state average) with median rent at $1,034 per month, and 83.1% of occupied units are owner-occupied, a direct signal of whether 49128 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 27.5% of adults hold a bachelor's degree or higher, the median age is 49.4, and the average commute is 22 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Berrien County, so you can benchmark 49128 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 49128
Top 5 sectors by establishment count
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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
$44,502
Per Capita Income
7.2%
Poverty Rate
3.0%
Unemployment Rate
22.0 min
Mean Commute Time
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?
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
$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 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 |
More ZIP Codes in Berrien County
Related Areas
Frequently Asked Questions
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How many businesses are in ZIP code 49128? ▼
What are the main industries in ZIP code 49128? ▼
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ZIP Code Research Guides
Official Data Resources for Three Oaks, MI
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.