ZIP Code 49022 — Fair Plain CDP, MI Demographics & Data

ZIP code 49022 covers Fair Plain, MI in Berrien County with a population of about 29,796.

At a glance, the area shows median age of 37.9 (near the U.S. median).

It sits in telephone area code 269; U.S. House district MI-4; the SOUTH BEND - ELKHART media market.

Fair Plain, MI sits in a university / college context (near lake michigan college (2.0 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 49022 is about $39,859 — about 47% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 31.7%; unemployment rate near 14.3%; 18.0% of adults with a bachelor’s degree or higher (about 15.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 7.9% of workers reporting work-from-home (about 7.3 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 $140,500 — about 60% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $597 (about 49% below the U.S. median rent ($1,163)), and owner-occupancy near 58.4% (about 7.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 49022 in Fair Plain, MI, a household would need roughly $39,000 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 $903. That is roughly in line with the local median household income ($39,859). 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 Fair Plain CDP, 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 Fair Plain CDP, MI show little to no average snow and around 38.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,166 for ZIP 49022 (Fair Plain CDP, 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.