HousingHandbookReference data

U.S. ZIP Code · MI49128

Berrien County · Niles, MI

Typical home value

$355,985[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+11.4%
5-year / yr
+7.1%
10-year / yr
+7.5%

Relative price

vs U.S.
+25.3%
vs metro
+13.1%
vs state
+48.9%
ZIP 49128 location in MI
Location of ZIP 49128 in MI

Price history

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

The typical home in 49128 is worth $355,985 — 13.1% above the Niles, MI median. Over the past year, values have risen 11.4%. The effective property tax rate is 0.8%.

#Rent & investment

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

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

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

Effective tax rate
0.8%[3]
Typical annual tax
$2,816[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
3,450[3]
Median household income
$67,398[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
2
Elementary
1
Middle
0
High
1
  • River Valley MiddleHigh School

    High · Grades 6–12 · River Valley School District

    282 students

  • River Valley Elementary School

    Elementary · Grades PK–5 · River Valley School District

    202 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 yield
Net yield (after ~40% expenses)
Annual rent

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$1,800
Loan principal$284,788
Down payment$71,197
Total interest paid$363,232

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 ratio
Monthly cost to own$2,331
Monthly rent

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
82nd percentile[1]
Rental yield
[2]
Property tax
11th percentile[3]

Frequently asked

How much is a home worth in ZIP code 49128?
The typical home in 49128 is worth $355,985, based on the Zillow Home Value Index.
Are home values rising in 49128?
Home values in 49128 are up 11.4% over the past year, and up 7.1% a year over five years.
What is the property tax rate in 49128?
The effective property tax rate in 49128 is 0.8% — roughly $2,816 a year on a typical home.
Who lives in 49128?
ZIP code 49128 has a population of 3,450 and a median household income of $67,398.

#Comparable ZIPs

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

  • Bridgman, MI

    Typical home
    $345,168
    Gross yield
  • St. Joseph, MI

    Typical home
    $334,618
    Gross yield
    6.7%
  • Stevensville, MI

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

    Typical home
    $332,292
    Gross yield
  • Berrien Springs, MI

    Typical home
    $297,467
    Gross yield
  • MI

    Typical home
    $294,210
    Gross yield

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