HousingHandbookReference data

U.S. ZIP Code · MI49085

Berrien County · Niles, MI

Typical home value

$334,618[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+4.3%
5-year / yr
+6.1%
10-year / yr
+5.7%

Relative price

vs U.S.
+17.8%
vs metro
+6.3%
vs state
+40.0%
ZIP 49085 location in MI
Location of ZIP 49085 in MI

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 49085 is worth $334,618 — 6.3% above the Niles, MI median. Over the past year, values have risen 4.3%. Homes here rent for a typical $1,862 a month — a 6.7% gross rental yield. The effective property tax rate is 1.3%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
$1,862[2]
Gross yield
6.7%[2]
Cap rate
4.0%[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
1.3%[3]
Typical annual tax
$4,221[3]

#Climate risk

FEMA National Risk Index ratings for Berrien County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Moderate[4]
Riverine flood
Relatively Moderate
Coastal flood
Very Low
Wildfire
Very Low
Drought
No Rating
Heat wave
Relatively Low
Hurricane
Very Low
Tornado
Relatively Moderate
Earthquake
Relatively Low
Winter weather
Relatively Moderate

#Who lives here

Population
23,827[3]
Median household income
$104,969[3]

#Migration

Household moves in and out of Berrien County over a year, from IRS tax-return data.

Net migration
-321[5]
Moved in
3,299
Moved out
3,620

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
6
Elementary
3
Middle
1
High
1
  • St Joseph High School

    High · Grades 9–12 · St. Joseph Public Schools

    942 students

  • Upton Middle School

    Middle · Grades 6–8 · St. Joseph Public Schools

    663 students

  • Clarke School

    Elementary · Grades K–5 · St. Joseph Public Schools

    465 students

  • Lincoln School

    Elementary · Grades PK–5 · St. Joseph Public Schools

    425 students

  • Brown School

    Elementary · Grades PK–5 · St. Joseph Public Schools

    409 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield6.7%
Net yield (after ~40% expenses)4.0%
Annual rent$22,340

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$1,692
Loan principal$267,694
Down payment$66,924
Total interest paid$341,429

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio1.25
Monthly cost to own$2,322
Monthly rent$1,862

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
53rd percentile[1]
Rental yield
0th percentile[2]
Property tax
100th percentile[3]

Frequently asked

How much is a home worth in ZIP code 49085?
The typical home in 49085 is worth $334,618, based on the Zillow Home Value Index.
Are home values rising in 49085?
Home values in 49085 are up 4.3% over the past year, and up 6.1% a year over five years.
What is the typical rent in 49085?
A typical home in 49085 rents for about $1,862 a month, a gross rental yield of 6.7%.
What is the property tax rate in 49085?
The effective property tax rate in 49085 is 1.3% — roughly $4,221 a year on a typical home.
Who lives in 49085?
ZIP code 49085 has a population of 23,827 and a median household income of $104,969.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Stevensville, MI

    Typical home
    $333,174
    Gross yield
  • Baroda, MI

    Typical home
    $332,292
    Gross yield
  • Bridgman, MI

    Typical home
    $345,168
    Gross yield
  • Three Oaks, MI

    Typical home
    $355,985
    Gross yield
  • Berrien Springs, MI

    Typical home
    $297,467
    Gross yield
  • MI

    Typical home
    $294,210
    Gross yield

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