ZIP Code 49128 — Three Oaks village, MI Demographics & Data

ZIP code 49128 covers Three Oaks, MI in Berrien County with a population of about 3,461.

At a glance, the area shows median age of 50.2 versus a U.S. median of about 38.9.

It sits in telephone area code 269; U.S. House district MI-5; the SOUTH BEND - ELKHART media market.

Median household income in ZIP 49128 is about $73,023 — about 3% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.2%; unemployment rate near 2.7%; 24.2% of adults with a bachelor’s degree or higher (about 9.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Food services; about 8.9% of workers reporting work-from-home (about 6.3 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $247,000 — about 29% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $769 (about 34% below the U.S. median rent ($1,163)), and owner-occupancy near 84.4% (about 19.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49128 in Three Oaks, MI, a household would need roughly $68,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,587. That is roughly in line with the local median household income ($73,023). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Three Oaks village, MI as Relatively Moderate (composite score 81.7), which is elevated versus much of the country. The strongest component scores on US5 are flood (86.0) and hurricane (31.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Three Oaks village, MI show little to no average snow and around 42.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 135 for ZIP 49128 (Three Oaks village, MI) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.