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St. Joseph city, MI

ZIP 49085 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 49085

Median Home Value
$287,300
Median Rent
$991
Affordability Snapshot
$79,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,846/mo PITI).

12%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 49085 in St. Joseph city, MI, a household would need roughly $79,000 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 $1,846. That sits below the local median household income ($101,763), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.7%+19% vs US avg
x
Vacancy Rate
11.3%+10% vs US avg
x
Broadband Access
90.8%+4% vs US avg
x
4+ Bedrooms
6.6%-56% vs US avg
x
Built Pre-1939
5.3%-58% vs US avg
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
13.9%-72% vs US avg
x
Mortgage-Free
38.6%+1% vs US avg
x
$287,300
Home Value
$991
Rent
1967
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached74.8%
  • 1-unit attached3.5%
  • 2-9 units8.8%
  • 10+ units11.9%
  • Mobile home & other1.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$287,300
Median rent$991
Owner-occupied77.7%
Vacant11.3%
Price-to-income2.8x
Est. income to buy$79,000