PlainZIP

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
$67,398
Median income
$258,300
Median home value
27.5%
Bachelor's or higher

The verdict

Three Oaks pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.

43th 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.

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 Michigan average), while per-capita income is $44,502. The poverty rate stands at 7.2% and the unemployment rate at 3.0%. The typical home here is valued at $258,300 (18% above the state average); renters pay a median of $1,034 monthly, and 83.1% of units are owner-occupied.

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. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Berrien County, letting you compare 49128 to its immediate surroundings rather than a national baseline alone.

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.

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 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

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 49128?

49.4

Median Age

50.6%

Male

49.4%

Female

5.0%

Foreign-Born

White 83.4%
African American 0.4%
Asian 1.8%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 11.5%
Hispanic or Latino 10.4%

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

How ZIP 49128 ranks nationally

Three Oaks, MI household income vs. every US ZIP code

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

$67,398 43rd percentile higher than 43% 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 61.7%
Bachelor's Degree or Higher 27.5%

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

Owner 83.1%
Renter 16.9%

$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 49128 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 49128 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 49128 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 49128 ranks #8 of 9 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
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

49120 standard
Niles, MI
Pop: 37,122
49022 standard
Benton Harbor, MI
Pop: 31,814
49085 standard
Saint Joseph, MI
Pop: 23,804
49103 standard
Berrien Springs, MI
Pop: 11,082
49127 standard
Stevensville, MI
Pop: 10,694
49107 standard
Buchanan, MI
Pop: 10,382

Related Areas

Berrien County Three Oaks, MI Michigan

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.

Read our methodology to see how this data is sourced, computed, and verified.