49128 ZIP Code — Three Oaks, MI

Berrien County, Michigan

ZIP code 49128 is located in Three Oaks, Michigan, within Berrien County. It covers approximately 43.71 square miles and serves a population of 3,422 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 269.

About ZIP code 49128

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $230,900. Owner-occupancy is high at 83%, well above the national average.

The gap between median ($67,813) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 7% is below the national average. 43% 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 25 minutes is near the national average.

Educational attainment is near the national average, with 23% of residents holding a bachelor's degree or higher.

Overall, ZIP code 49128 reflects a community defined by high homeownership and a significant Social Security-dependent population.

3,422

population

43.71

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

49128 ZIP code map

Cities in ZIP code 49128

Below are the cities the US Postal Service accepts for ZIP code 49128. Using any city not on this list may result in mail delivery delays.

City	Status
Three Oaks	Acceptable
Three Oaks	Preferred

Nearby ZIP codes

49129 Union Pier (4 mi) 49125 Sawyer (4.8 mi) 49113 Galien (5 mi) 49117 New Buffalo (7.1 mi) 49106 Bridgman (8.7 mi) 46371 Rolling Prairie (9.5 mi) 49107 Buchanan (9.9 mi) 46552 New Carlisle (10.5 mi) 49101 Baroda (11.4 mi) 49127 Stevensville (14.2 mi) 46350 La Porte (15 mi) 46365 Mill Creek (15.1 mi)

Demographics updated 05/2026

Population
Total population	3,422
Population density	78 / sq mi
State FIPS	26
County FIPS	021

Geography
Land area	43.71 sq mi
Water area	0.31 sq mi
Latitude	41.8176
Longitude	-86.6127
Timezone	Eastern (ET)
Area code	269

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	34.2%	47.1%	42.6%
$50k – $100k	37.7%	30.0%	31.1%
$100k – $200k	23.6%	18.2%	20.6%
Over $200k	4.5%	4.7%	5.7%

Demographics & statistics

3,422

Population

People per sq mi

50.1

Median age

$67,813

Median household income

$43,146

Per capita income

$230,900

Median home value

$900

Median monthly rent

83.1%

Home ownership

6.7%

Poverty rate

2.7%

Unemployment

1,707

Housing units

23.1%

Bachelor's or higher

Age distribution

Male Female

Under 5

128

5–9

139

10–14

15–19

20–24

170

25–34

183

123

35–44

133

256

45–54

278

130

55–59

140

186

60–64

201

247

65–74

267

104

75–84

112

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	660	19.3%
18 and over	2,762	80.7%
65 and over	788	23.0%
Median age	50.1 years

Race & ethnicity

White 76.2%

Two or more races 10.7%

Hispanic or Latino 9.8%

Other race 2.5%

Asian 0.7%

Black or African American 0.1%

Group	Count	%
White	2,891	76.2%
Two or more races	405	10.7%
Hispanic or Latino	372	9.8%
Other race	96	2.5%
Asian	25	0.7%
Black or African American	5	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	34.2%	47.1%	42.6%
$50k – $100k	37.7%	30.0%	31.1%
$100k – $200k	23.6%	18.2%	20.6%
Over $200k	4.5%	4.7%	5.7%

Under $10k 5.5%

$10k–$15k 3.2%

$15k–$25k 6.8%

$25k–$35k 8.7%

$35k–$50k 9.6%

$50k–$75k 20.6%

$75k–$100k 10.4%

$100k–$150k 17.9%

$150k–$200k 10.2%

$200k+ 7.1%

Range	% of households
Under $10k	5.5%
$10k–$15k	3.2%
$15k–$25k	6.8%
$25k–$35k	8.7%
$35k–$50k	9.6%
$50k–$75k	20.6%
$75k–$100k	10.4%
$100k–$150k	17.9%
$150k–$200k	10.2%
$200k+	7.1%
Median income	$67,813

Housing

Home values

Under $50k 7.1%

$50k–$100k 7.7%

$100k–$150k 12.4%

$150k–$200k 16.4%

$200k–$300k 21.6%

$300k–$500k 22.0%

$500k–$1M 11.6%

$1M+ 1.3%

Housing overview

Metric	Value
Median home value	$230,900
Median rent / month	$900
Owner occupied	83.1%
Renter occupied	16.9%
Vacant	24.5%
Single-family detached	88.8%
Large apartment buildings	0.0%
Mobile homes	6.4%
Median rooms	6.0
Avg household size (owned)	2.20

Year built

Era	%
2020 or later	0.9%
2010–2019	4.2%
2000–2009	6.2%
1990–1999	6.0%
1980–1989	8.8%
1970–1979	16.8%
1960–1969	8.3%
1950–1959	17.6%
1940–1949	10.4%
1939 or earlier	20.8%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	3.2%
2 bedrooms	26.1%
3 bedrooms	52.7%
4 bedrooms	15.0%
5+ bedrooms	3.0%

Vehicles per household

Vehicles	% of households
No vehicle	5.6%
1 vehicle	32.6%
2 vehicles	34.3%
3 or more	27.4%

Heating fuel

Fuel type	%
Utility gas	44.6%
Electricity	24.9%
Propane / LP gas	16.6%
Fuel oil	7.9%
Wood	5.1%
No fuel used	0.5%

Households & families

Household type	Count	%
Married-couple family	756	51.2%
Cohabiting couple	89	6.0%
Male householder, no spouse	252	17.1%
Female householder, no spouse	380	25.7%
Households with children under 18	329	22.3%
Households with seniors (65+)	606	41.0%
Average household size	2.32

Marital status

Status	Male	Female
Never married	22.9%	26.7%
Married	61.1%	51.2%
Separated	0.7%	1.0%
Widowed	0.0%	10.9%
Divorced	15.3%	10.2%

Education

Less than 9th grade 2.2%

Some HS, no diploma 3.1%

HS graduate 38.0%

Some college, no degree 20.1%

Associate's degree 13.6%

Bachelor's degree 12.3%

Graduate / professional 10.8%

Metric	%
HS diploma or higher	94.7%
Bachelor's or higher	23.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	41	6.4%
Kindergarten	87	13.5%
Elementary school	323	50.2%
High school	100	15.5%
College / grad school	93	14.4%

Employment

Industry of employment

Education & healthcare 16.4%

Arts, food & hospitality 15.3%

Manufacturing 14.6%

Transportation & utilities 12.7%

Retail trade 10.0%

Professional & management 9.2%

Construction 6.1%

Finance & real estate 5.1%

Public administration 4.7%

Other services 4.6%

Agriculture & mining 1.0%

Wholesale trade 0.4%

Occupation

Category	%
Management, business & arts	28.2%
Service	23.4%
Sales & office	24.2%
Natural resources & construction	7.3%
Production & transportation	16.9%

Employment type

Type	%
Private sector	73.5%
Government	15.1%
Self-employed	11.2%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	81.2%
Carpool	7.2%
Public transit	0.1%
Walk	2.0%
Work from home	7.2%
Other means	2.3%
Avg commute (minutes)	25.3

Poverty

All people 6.7%

Under 18 years 5.9%

18 and over 6.8%

Married-couple families 0.8%

Female-led households 13.3%

Income support

Source	% of households
Social Security	43.1%
Retirement income	24.8%
Supplemental Security	4.5%
Cash public assistance	3.4%
Food stamps / SNAP	6.5%

Health indicators

Condition	%
Obesity	36.3%
High blood pressure	35.1%
High cholesterol	37.2%
Diabetes	11.0%
Heart disease	7.4%
Stroke	3.3%
Asthma	10.6%
Arthritis	30.3%
Kidney disease	3.1%
Pulmonary disease	8.2%
Cancer	7.8%

Behavior / access	%
Smoking	19.3%
Binge drinking	18.5%
No physical activity	20.0%
Less than 7 hrs sleep	31.9%
Depression	21.4%
Fair or poor health	14.5%
Poor mental health	15.6%
Poor physical health	11.3%
No health insurance	9.2%
Visited doctor (checkup)	75.0%
Visited dentist	68.7%
Cholesterol screening	92.3%
Teeth loss	11.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	161	5.8%

Disability	%
Any disability	16.0%
Under 18	3.0%
18–64 years	15.3%
65 and over	28.6%

Health insurance coverage

Type	%
Private insurance	73.3%
Public insurance	38.5%
No insurance	5.5%
Uninsured under 19	1.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,283	95.9%
Spanish	120	3.7%
Other Indo-European	103	3.1%
Asian & Pacific Islander	0	0.0%
Other languages	17	0.5%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,305	96.6%
Born in same state	3,212	93.9%
Born in different state	1,316	38.5%
Foreign born	93	2.7%
Naturalized citizen	117	3.4%
Not a US citizen	29	24.8%

Ancestry

Ancestry	Count	%
French	448	13.1%
Italian	305	8.9%
English	209	6.1%
Arab	120	3.5%
Irish	20	0.6%

Ancestry	Count	%
Polish	19	0.6%
Norwegian	9	0.3%
Dutch	9	0.3%
German	3	0.1%

Technology access

Metric	% of households
Computer access	43.2%
Internet access	92.7%

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

Frequently asked questions about ZIP code 49128

What city is ZIP code 49128 in?

ZIP code 49128 is primarily assigned to Three Oaks, Michigan.

What county is ZIP code 49128 in?

ZIP code 49128 falls within Berrien County, Michigan.

Is ZIP code 49128 mostly owner-occupied?

83% of occupied units in ZIP code 49128 are owner-occupied, well above the national average.

Does ZIP code 49128 have a large retiree population?

43% of households in ZIP code 49128 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 49128?

ZIP code 49128 has an estimated population of 3,422 residents, with a density of 78 people per square mile.

What is the typical home value in ZIP code 49128?

The median home value in ZIP code 49128 is $230,900.

What timezone is ZIP code 49128 in?

ZIP code 49128 observes the EST timezone.