49038 ZIP Code — Coloma, MI

Berrien County, Michigan

ZIP code 49038 is located in Coloma, Michigan, within Berrien County. It covers approximately 38.97 square miles and serves a population of 8,577 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 269.

About ZIP code 49038

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1950s, giving the area an established character. Median home value is $177,800. Owner-occupancy is high at 75%, well above the national average.

Median household income is $61,231. 38% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 23 minutes is near the national average.

Educational attainment is near the national average, with 25% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (21%) compared to national benchmarks.

Overall, ZIP code 49038 reflects a community defined by high homeownership and a significant Social Security-dependent population.

8,577

population

38.97

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49038 ZIP code map

Cities in ZIP code 49038

Below are the cities the US Postal Service accepts for ZIP code 49038. Using any city not on this list may result in mail delivery delays.

City	Status
Coloma	Preferred

Nearby ZIP codes

49098 Watervliet (4.9 mi) 49022 Benton Harbor (5.8 mi) 49043 Covert (6.3 mi) 49057 Hartford (9.5 mi) 49085 Saint Joseph (11.8 mi) 49126 Sodus (13.3 mi) 49111 Eau Claire (13.7 mi) 49064 Lawrence (13.8 mi) 49013 Bangor (14.7 mi) 49090 South Haven (15.5 mi) 49127 Stevensville (16.6 mi) 49104 Berrien Springs (17.2 mi)

Demographics updated 06/2026

Population
Total population	8,577
Population density	220 / sq mi
State FIPS	26
County FIPS	021

Geography
Land area	38.97 sq mi
Water area	2.47 sq mi
Latitude	42.2104
Longitude	-86.3347
Timezone	Eastern (ET)
Area code	269

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	40.5%	47.1%	42.6%
$50k – $100k	37.7%	30.0%	31.1%
$100k – $200k	18.2%	18.2%	20.6%
Over $200k	3.6%	4.7%	5.7%

Demographics & statistics

8,577

Population

220

People per sq mi

45.3

Median age

$61,231

Median household income

$36,531

Per capita income

$177,800

Median home value

$917

Median monthly rent

75.3%

Home ownership

12.7%

Poverty rate

4.7%

Unemployment

4,200

Housing units

24.8%

Bachelor's or higher

Age distribution

Male Female

198

Under 5

200

315

5–9

319

297

10–14

300

175

15–19

177

215

20–24

218

450

25–34

455

464

35–44

470

596

45–54

604

253

55–59

256

437

60–64

443

510

65–74

516

221

75–84

223

132

85+

133

← Male

Female →

Age summary

Group	Count	%
Under 18	1,873	21.8%
18 and over	6,704	78.2%
65 and over	1,735	20.2%
Median age	45.3 years

Race & ethnicity

White 84.4%

Two or more races 6.1%

Hispanic or Latino 5.4%

Black or African American 2.1%

Other race 2%

Group	Count	%
White	7,657	84.4%
Two or more races	555	6.1%
Hispanic or Latino	493	5.4%
Black or African American	187	2.1%
Other race	178	2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	40.5%	47.1%	42.6%
$50k – $100k	37.7%	30.0%	31.1%
$100k – $200k	18.2%	18.2%	20.6%
Over $200k	3.6%	4.7%	5.7%

Under $10k 6.4%

$10k–$15k 5.9%

$15k–$25k 10.8%

$25k–$35k 9.6%

$35k–$50k 8.5%

$50k–$75k 15.2%

$75k–$100k 16.3%

$100k–$150k 16.1%

$150k–$200k 5.4%

$200k+ 5.6%

Range	% of households
Under $10k	6.4%
$10k–$15k	5.9%
$15k–$25k	10.8%
$25k–$35k	9.6%
$35k–$50k	8.5%
$50k–$75k	15.2%
$75k–$100k	16.3%
$100k–$150k	16.1%
$150k–$200k	5.4%
$200k+	5.6%
Median income	$61,231

Housing

Home values

Under $50k 5.5%

$50k–$100k 14.6%

$100k–$150k 15.5%

$150k–$200k 22.9%

$200k–$300k 31.0%

$300k–$500k 6.2%

$500k–$1M 3.9%

$1M+ 0.5%

Housing overview

Metric	Value
Median home value	$177,800
Median rent / month	$917
Owner occupied	75.3%
Renter occupied	24.7%
Vacant	26.5%
Single-family detached	82.3%
Large apartment buildings	0.0%
Mobile homes	5.3%
Median rooms	5.8
Avg household size (owned)	2.35

Year built

Era	%
2020 or later	0.0%
2010–2019	2.8%
2000–2009	8.4%
1990–1999	11.1%
1980–1989	12.7%
1970–1979	14.4%
1960–1969	9.5%
1950–1959	18.3%
1940–1949	8.4%
1939 or earlier	14.4%

Bedrooms

Size	% of units
No bedroom (studio)	1.2%
1 bedroom	5.1%
2 bedrooms	33.6%
3 bedrooms	40.2%
4 bedrooms	17.9%
5+ bedrooms	2.0%

Vehicles per household

Vehicles	% of households
No vehicle	6.9%
1 vehicle	34.0%
2 vehicles	37.9%
3 or more	21.2%

Heating fuel

Fuel type	%
Utility gas	57.5%
Electricity	23.9%
Propane / LP gas	13.8%
Fuel oil	3.2%
Wood	1.2%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	1,699	45.0%
Cohabiting couple	264	7.0%
Male householder, no spouse	770	20.4%
Female householder, no spouse	1,039	27.5%
Households with children under 18	949	25.2%
Households with seniors (65+)	1,262	33.5%
Average household size	2.26

Marital status

Status	Male	Female
Never married	25.1%	18.0%
Married	54.5%	55.7%
Separated	0.6%	2.3%
Widowed	6.3%	7.2%
Divorced	13.5%	16.8%

Education

Less than 9th grade 1.7%

Some HS, no diploma 4.9%

HS graduate 35.8%

Some college, no degree 25.5%

Associate's degree 7.2%

Bachelor's degree 14.7%

Graduate / professional 10.1%

Metric	%
HS diploma or higher	93.3%
Bachelor's or higher	24.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	224	13.0%
Kindergarten	97	5.6%
Elementary school	735	42.7%
High school	336	19.5%
College / grad school	330	19.2%

Employment

Industry of employment

Education & healthcare 26.9%

Manufacturing 18.1%

Professional & management 12.4%

Retail trade 10.8%

Arts, food & hospitality 6.7%

Transportation & utilities 6.5%

Construction 5.7%

Other services 4.0%

Finance & real estate 2.5%

Information 2.2%

Public administration 1.5%

Agriculture & mining 1.3%

Wholesale trade 1.3%

Occupation

Category	%
Management, business & arts	44.1%
Service	19.1%
Sales & office	14.0%
Natural resources & construction	10.2%
Production & transportation	12.5%

Employment type

Type	%
Private sector	80.8%
Government	13.5%
Self-employed	5.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	82.8%
Carpool	6.5%
Public transit	0.5%
Walk	3.0%
Work from home	6.5%
Other means	0.7%
Avg commute (minutes)	23.4

Poverty

All people 12.7%

Under 18 years 16.9%

18 and over 11.6%

Married-couple families 4.6%

Female-led households 42.5%

Income support

Source	% of households
Social Security	38.3%
Retirement income	29.5%
Supplemental Security	3.9%
Cash public assistance	1.2%
Food stamps / SNAP	14.6%

Health indicators

Condition	%
Obesity	37.5%
High blood pressure	34.8%
High cholesterol	35.8%
Diabetes	11.4%
Heart disease	7.4%
Stroke	3.5%
Asthma	11.1%
Arthritis	29.9%
Kidney disease	3.2%
Pulmonary disease	8.8%
Cancer	7.2%

Behavior / access	%
Smoking	21.2%
Binge drinking	18.8%
No physical activity	21.4%
Less than 7 hrs sleep	32.8%
Depression	22.4%
Fair or poor health	16.1%
Poor mental health	16.7%
Poor physical health	12.1%
No health insurance	10.6%
Visited doctor (checkup)	74.2%
Visited dentist	65.5%
Cholesterol screening	91.0%
Teeth loss	13.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	542	8.1%

Disability	%
Any disability	17.6%
Under 18	9.0%
18–64 years	11.9%
65 and over	43.3%

Health insurance coverage

Type	%
Private insurance	73.8%
Public insurance	41.4%
No insurance	3.6%
Uninsured under 19	0.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	8,179	95.4%
Spanish	108	1.3%
Other Indo-European	97	1.2%
Asian & Pacific Islander	11	0.1%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	8,379	97.7%
Born in same state	8,290	96.7%
Born in different state	6,351	74.0%
Foreign born	89	1.0%
Naturalized citizen	198	2.3%
Not a US citizen	24	12.1%

Ancestry

Ancestry	Count	%
Italian	1,403	16.4%
French	875	10.2%
English	599	7%
Arab	428	5%
Polish	109	1.3%

Ancestry	Count	%
Norwegian	95	1.1%
Dutch	36	0.4%
Irish	7	0.1%
German	1	0%

Technology access

Metric	% of households
Computer access	44.0%
Internet access	87.4%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 49038

What city is ZIP code 49038 in?

ZIP code 49038 is primarily assigned to Coloma, Michigan.

What county is ZIP code 49038 in?

ZIP code 49038 falls within Berrien County, Michigan.

Does ZIP code 49038 have a large retiree population?

38% of households in ZIP code 49038 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 49038?

The median home value in ZIP code 49038 is $177,800.

What is the population of ZIP code 49038?

ZIP code 49038 has an estimated population of 8,577 residents, with a density of 220 people per square mile.

What is the median household income in ZIP code 49038?

The median household income in ZIP code 49038 is $61,231, below the national median of ~$75,000.

What timezone is ZIP code 49038 in?

ZIP code 49038 observes the EST timezone.