ZIP code 49040

ZIP 49040 is a small town in St. Joseph County, Michigan, with 3,341 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #573 of 992 ranked by population — larger than 42% of them. The median age here is 42.9 years against 39.1 nationally, a slightly older profile than the country as a whole. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 49040 earn a median of $58,693 a year, 25.3% below the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 12.4% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 49040 is valued at $123,800, 59.2% below the national figure, while median gross rent runs $793 a month, 43.6% below the national figure, or roughly $9,516 across a full year. A household on the local median income would put about 16.2% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.1×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 82.3% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 49040 is tabulated inside St. Joseph County, Michigan, one of 10 ZIP areas the Census publishes for that county and 992 across Michigan. Population sits in the small-town band, typically one main street plus the addresses that feed into it. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 49040 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 49040 reports a median household income of $58,693, 10% below the $65,313 county median, and 12% below the $66,726 typical MI ZIP. Owner-occupied homes are valued at a median of $123,800, 25% below the county figure and 31% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $793 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Michigan charges 6% statewide, and no local sales tax is layered on top, so the state rate is the full amount collected in 49040.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 49040 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.