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ZIP Code · MI

ZIP 49085

Pop. 23,827·Berrien County·40th most expensive ZIP in Michigan
Median rent (all units)
$1,778/mo
Year-over-Year
Stable
Month-over-Month
-6.3%
vs US Median
-$187
Falling (Monthly)
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Most AffordableMost Expensive
ZIP 49085 · $1,778
More affordable than 53% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$940
1 BR
$1,040
2 BR
$1,370
3 BR
$1,800
4 BR+
$1,810
Research median
$1,370/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: July 20, 2026

Annual cost
$21,336/yr
At $1,778/mo median
Location
StateMI
CountyBerrien County
Rent Market Meter
Strong Renter's Market
Renter's MarketBalancedLandlord's Market
Rents are down 0.0% year-over-year. Push hard on price, concessions, and lease terms.
Based on rent-price momentum (+0.0% YoY, -6.3% MoM), not inventory.
Demographics

Who lives here

ZIP 49085 (Saint Joseph, MI) is majority owner-occupied, has a large retiree population, has a median income above the national average, 50.8% of residents hold a bachelor's degree or higher.

Population
23,827
Median income
$104,969
Median age
45
Renters
23.7%
Age distribution
18.6%
18.7%
24.1%
15.2%
23.4%
Under 1818.6%
18–3418.7%
35–5424.1%
55–6415.2%
65+23.4%
Gender
50%
50%
Male50%
Female50%
Race & ethnicity
84.7%
White84.7%
Black2.5%
Hispanic3.5%
Asian4.2%
Other5.2%
Education (25+)
16.9%
29.5%
50.8%
No HS diploma2.7%
HS diploma16.9%
Some college29.5%
Bachelor's+50.8%
Housing tenure
76.3%
23.7%
Owner76.3%
Renter23.7%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 49085 in Saint Joseph, MI has changed in 5 years

Income
$86,946 → $104,969
up 20.7%
Population
23,920 → 23,827
down 0.4%
Renter share
22.1% → 23.7%
+1.6 pts
Bachelor's+
49.3% → 50.8%
+1.5 pts
Median age
43.4 → 45
+1.6 yrs

Household income in the area moved from $86,946 to $104,969 across the same window, up 20.7% versus 2021. About 23.7% of households rent today, against 22.1% in 2021.

Community

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Local insights

Tips for renters in ZIP 49085

About renting in ZIP 49085

Last updated: July 20, 2026

ZIP code 49085 covers Saint Joseph, MI. The median rent here is $1,778/mo as of July 2026. A 1-bedroom rents for a median of $1,040/mo. A 2-bedroom rents for a median of $1,370/mo.

At 20% of local median household income ($104,969/yr), ZIP 49085 ranks as affordable compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 49085?

As of July 20, 2026, the median monthly rent in ZIP 49085 (Saint Joseph, MI) is $1,778. This is based on aggregated data from public sources and community submissions.

How does ZIP 49085 rent compare to the US average?

ZIP 49085's median rent of $1,778/mo is $187 (10%) below the US national median of $1,965/mo.

How does ZIP 49085 compare to other ZIPs in Michigan?

ZIP 49085 is one of the pricier ZIP codes in Michigan, ranking #40 out of 165 ZIPs tracked at $1,778/mo.

How much income do you need to rent in ZIP 49085?

To keep rent at or below 30% of gross income, you would need to earn at least $71,000/year (~$34/hour full-time) to afford the median rent of $1,778/mo in ZIP 49085. The local median household income is $104,969/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 49085?

Rent in ZIP 49085 has been relatively stable over the past year, with a 0.0% change year over year as of July 20, 2026.

Is ZIP 49085 an affordable place to rent?

ZIP 49085 is considered very affordable for renters. At $1,778/mo, rent takes approximately 20% of the local median household income ($104,969/yr). The standard benchmark is 30%. ZIP 49085 falls comfortably within that range.

What percentage of ZIP 49085 residents rent vs. own?

According to Census data, approximately 23.7% of ZIP 49085 households are renters, while 76.3% are owner-occupied. ZIP 49085 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 49085 compare to the rest of Saint Joseph?

ZIP 49085 sits right at the Saint Joseph citywide median of $1,778/mo.

When was rent data for ZIP 49085 last updated?

Rent data for ZIP 49085 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
20%
VERY AFFORDABLE

At $1,778/mo, rent takes ~20% of ZIP 49085's median household income ($104,969/yr). The standard benchmark is 30%.

ZIP 49085 20%Benchmark 30%
State income tax4.25%
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Schools nearby

Public schools near ZIP 49085 (Saint Joseph, MI)

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