49085 ZIP Code — Saint Joseph, MI

Berrien County, Michigan

ZIP code 49085 is located in Saint Joseph, Michigan, within Berrien County. It covers approximately 24.13 square miles and serves a population of 23,778 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 269.

About ZIP code 49085

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1960s, giving the area an established character. Median home value is $262,800. Owner-occupancy is high at 78%, well above the national average.

Median household income is $96,034. The poverty rate of 4% is below the national average. 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 17 minutes is near the national average.

Educational attainment is high — 49% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 49085 reflects a community defined by high homeownership and a significant Social Security-dependent population.

23,778

population

24.13

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49085 ZIP code map

Cities in ZIP code 49085

Below are the cities the US Postal Service accepts for ZIP code 49085. Using any city not on this list may result in mail delivery delays.

City	Status
Saint Joseph	Acceptable
Saint Joseph	Preferred

Nearby ZIP codes

49127 Stevensville (4.8 mi) 49126 Sodus (4.8 mi) 49022 Benton Harbor (7.5 mi) 49101 Baroda (7.9 mi) 49104 Berrien Springs (8.3 mi) 49103 Berrien Springs (9.2 mi) 49111 Eau Claire (9.2 mi) 49106 Bridgman (10.4 mi) 49038 Coloma (11.8 mi) 49098 Watervliet (12.9 mi) 49125 Sawyer (14.2 mi) 49107 Buchanan (15.2 mi)

Demographics updated 06/2026

Population
Total population	23,778
Population density	985 / sq mi
State FIPS	26
County FIPS	021

Geography
Land area	24.13 sq mi
Water area	2.59 sq mi
Latitude	42.0621
Longitude	-86.4504
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	32.0%	47.1%	42.6%
$50k – $100k	29.8%	30.0%	31.1%
$100k – $200k	29.1%	18.2%	20.6%
Over $200k	9.0%	4.7%	5.7%

Demographics & statistics

23,778

Population

985

People per sq mi

45.1

Median age

$96,034

Median household income

$52,680

Per capita income

$262,800

Median home value

$994

Median monthly rent

78.0%

Home ownership

4.0%

Poverty rate

2.0%

Unemployment

9,171

Housing units

49.3%

Bachelor's or higher

Age distribution

Male Female

645

Under 5

643

662

5–9

660

579

10–14

578

634

15–19

632

549

20–24

547

1,396

25–34

1,393

1,473

35–44

1,471

1,346

45–54

1,344

754

55–59

752

1,066

60–64

1,063

1,630

65–74

1,626

623

75–84

621

546

85+

545

← Male

Female →

Age summary

Group	Count	%
Under 18	4,628	19.5%
18 and over	19,150	80.5%
65 and over	5,591	23.5%
Median age	45.1 years

Race & ethnicity

White 85.3%

Asian 4.6%

Two or more races 4.5%

Black or African American 2.3%

Hispanic or Latino 2.1%

Other race 0.9%

American Indian / Alaska Native 0.4%

Group	Count	%
White	20,728	85.3%
Asian	1,107	4.6%
Two or more races	1,092	4.5%
Black or African American	549	2.3%
Hispanic or Latino	516	2.1%
Other race	216	0.9%
American Indian / Alaska Native	86	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	32.0%	47.1%	42.6%
$50k – $100k	29.8%	30.0%	31.1%
$100k – $200k	29.1%	18.2%	20.6%
Over $200k	9.0%	4.7%	5.7%

Under $10k 2.7%

$10k–$15k 2.3%

$15k–$25k 5.8%

$25k–$35k 5.7%

$35k–$50k 9.4%

$50k–$75k 15.6%

$75k–$100k 11.0%

$100k–$150k 22.1%

$150k–$200k 11.3%

$200k+ 14.2%

Range	% of households
Under $10k	2.7%
$10k–$15k	2.3%
$15k–$25k	5.8%
$25k–$35k	5.7%
$35k–$50k	9.4%
$50k–$75k	15.6%
$75k–$100k	11.0%
$100k–$150k	22.1%
$150k–$200k	11.3%
$200k+	14.2%
Median income	$96,034

Housing

Home values

Under $50k 1.8%

$50k–$100k 2.7%

$100k–$150k 5.3%

$150k–$200k 15.9%

$200k–$300k 36.3%

$300k–$500k 27.4%

$500k–$1M 9.5%

$1M+ 1.3%

Housing overview

Metric	Value
Median home value	$262,800
Median rent / month	$994
Owner occupied	78.0%
Renter occupied	22.0%
Vacant	10.6%
Single-family detached	75.3%
Large apartment buildings	8.5%
Mobile homes	1.3%
Median rooms	6.3
Avg household size (owned)	2.47

Year built

Era	%
2020 or later	0.3%
2010–2019	3.1%
2000–2009	8.4%
1990–1999	11.1%
1980–1989	7.0%
1970–1979	14.0%
1960–1969	17.8%
1950–1959	16.2%
1940–1949	5.7%
1939 or earlier	16.5%

Bedrooms

Size	% of units
No bedroom (studio)	1.9%
1 bedroom	10.1%
2 bedrooms	19.6%
3 bedrooms	41.8%
4 bedrooms	20.1%
5+ bedrooms	6.5%

Vehicles per household

Vehicles	% of households
No vehicle	4.8%
1 vehicle	30.4%
2 vehicles	44.9%
3 or more	19.9%

Heating fuel

Fuel type	%
Utility gas	83.7%
Electricity	13.1%
Propane / LP gas	1.3%
Fuel oil	0.3%
Wood	0.1%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	5,623	55.1%
Cohabiting couple	493	4.8%
Male householder, no spouse	1,660	16.3%
Female householder, no spouse	2,426	23.8%
Households with children under 18	2,407	23.6%
Households with seniors (65+)	3,915	38.4%
Average household size	2.27

Marital status

Status	Male	Female
Never married	26.3%	20.9%
Married	61.5%	56.0%
Separated	0.3%	0.5%
Widowed	3.5%	10.1%
Divorced	8.4%	12.5%

Education

Less than 9th grade 1.3%

Some HS, no diploma 1.9%

HS graduate 16.8%

Some college, no degree 19.6%

Associate's degree 11.1%

Bachelor's degree 30.6%

Graduate / professional 18.6%

Metric	%
HS diploma or higher	96.8%
Bachelor's or higher	49.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	492	10.3%
Kindergarten	320	6.7%
Elementary school	1,805	37.9%
High school	1,000	21.0%
College / grad school	1,149	24.1%

Employment

Industry of employment

Education & healthcare 25.2%

Manufacturing 22.2%

Retail trade 7.9%

Arts, food & hospitality 7.9%

Professional & management 7.6%

Finance & real estate 7.2%

Transportation & utilities 6.0%

Other services 4.9%

Construction 4.0%

Public administration 3.7%

Wholesale trade 1.7%

Information 1.2%

Agriculture & mining 0.6%

Occupation

Category	%
Management, business & arts	54.9%
Service	12.5%
Sales & office	17.1%
Natural resources & construction	6.4%
Production & transportation	9.1%

Employment type

Type	%
Private sector	84.2%
Government	10.5%
Self-employed	5.2%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	79.5%
Carpool	4.6%
Public transit	0.1%
Walk	3.0%
Work from home	11.7%
Other means	1.0%
Avg commute (minutes)	17.4

Poverty

All people 4.0%

Under 18 years 1.4%

18 and over 4.7%

Married-couple families 1.9%

Female-led households 4.9%

Income support

Source	% of households
Social Security	38.1%
Retirement income	28.2%
Supplemental Security	3.6%
Cash public assistance	2.2%
Food stamps / SNAP	3.8%

Health indicators

Condition	%
Obesity	32.1%
High blood pressure	31.4%
High cholesterol	34.7%
Diabetes	9.0%
Heart disease	6.2%
Stroke	2.7%
Asthma	9.7%
Arthritis	26.8%
Kidney disease	2.7%
Pulmonary disease	5.8%
Cancer	7.9%

Behavior / access	%
Smoking	13.6%
Binge drinking	18.6%
No physical activity	15.8%
Less than 7 hrs sleep	29.5%
Depression	19.2%
Fair or poor health	10.7%
Poor mental health	13.6%
Poor physical health	8.7%
No health insurance	7.4%
Visited doctor (checkup)	75.2%
Visited dentist	75.0%
Cholesterol screening	93.3%
Teeth loss	8.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,193	6.2%

Disability	%
Any disability	11.0%
Under 18	3.1%
18–64 years	7.0%
65 and over	28.0%

Health insurance coverage

Type	%
Private insurance	84.6%
Public insurance	30.4%
No insurance	3.3%
Uninsured under 19	2.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	22,490	94.6%
Spanish	320	1.4%
Other Indo-European	58	0.3%
Asian & Pacific Islander	127	0.6%
Other languages	133	0.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	21,943	92.3%
Born in same state	21,816	91.7%
Born in different state	14,534	61.1%
Foreign born	127	0.5%
Naturalized citizen	1,835	7.7%
Not a US citizen	849	46.3%

Ancestry

Ancestry	Count	%
Italian	3,333	14%
French	3,219	13.5%
English	811	3.4%
Arab	589	2.5%
Polish	233	1%

Ancestry	Count	%
German	196	0.8%
Norwegian	133	0.6%
Dutch	131	0.6%
Irish	67	0.3%

Technology access

Metric	% of households
Computer access	42.9%
Internet access	93.1%

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

Frequently asked questions about ZIP code 49085

What city is ZIP code 49085 in?

ZIP code 49085 is primarily assigned to Saint Joseph, Michigan.

What county is ZIP code 49085 in?

ZIP code 49085 falls within Berrien County, Michigan.

How educated is the population of ZIP code 49085?

49% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 49085 have a large retiree population?

38% of households in ZIP code 49085 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 49085?

ZIP code 49085 has an estimated population of 23,778 residents, with a density of 985 people per square mile.

What is the median household income in ZIP code 49085?

The median household income in ZIP code 49085 is $96,034, above the national median of ~$75,000.

What timezone is ZIP code 49085 in?

ZIP code 49085 observes the EST timezone.