49038 Zip Code Detailed Profile




Cities: Lake Michigan Beach, MI (9.78%), Paw Paw Lake, MI (9.75%), Coloma, MI (2.21%)
Counties: Berrien County, MI (90.00%), Van Buren County, MI (10.00%)
Estimated zip code population in 2013: 9,091
Zip code population in 2010: 9,310
Zip code population in 2000: 10,075

Houses and condos: 5,296
Renter-occupied apartments: 826
% of renters here:

23%
State:

29%
Mar. 2013 cost of living index in zip code 49038: 83.3 (less than average, U.S. average is 100)

Land area: 37.7 sq. mi.
Water area: 2.5 sq. mi.
Population density: 241 people per square mile 
 
 (very low).

Age and Sex of Residents in zip code 49038
Zip code 49038 (Lake Michigan Beach, Michigan) real estate house value trends
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Real estate property taxes paid for housing units in 2013:
This zip code:

1.3% ($1,617)
Michigan:

1.8% ($2,090)
Median real estate property taxes paid for housing units with mortgages in 2013: $1,697 (1.3%)
Median real estate property taxes paid for housing units with no mortgage in 2013: $1,446 (1.3%)

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Males: 4,609  (50.7%)
Females: 4,482  (49.3%)

For population 25 years and over in 49038:

For population 15 years and over in 49038:

Zip code 49038 compared to state average:

  • Black race population percentage significantly below state average.
  • Hispanic race population percentage below state average.
  • Foreign-born population percentage significantly below state average.
  • Percentage of population with a bachelor's degree or higher below state average.
  • Races in zip code 49038

  • Zip code 49038 races chart
    • 8,449White population
    • 158Black population
    • 53American Indian population
    • 51Asian population
    • 3Native Hawaiian and Other Pacific Islander population
    • 4Some other race population
    • 157Two or more races population
    • 435Hispanic or Latino population

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Urban population: 4,229
Rural population: 4,861

Estimated median house/condo value in 2013: $126,100
49038:

$126,100
Michigan:

$117,500



According to our research of Michigan and other state lists there were 12 registered sex offenders living in 49038 zip code as of August 04, 2015.
The ratio of number of residents in zip code 49038 to the number of sex offenders is 791 to 1.
The number of registered sex offenders compared to the number of residents in this zip code is near the state average.


Median resident age:
This zip code:

42.1 years
Michigan median age:

39.6 years
Average household size:
This zip code:

2.5 people
Michigan:

2.5 people

Averages for the 2012 tax year for zip code 49038, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $43,375 (Individual Income Tax Returns)
Here:

$43,375
State:

$55,609

Salary/wage: $38,266 (reported on 78.2% of returns)
Here:

$38,266
State:

$46,782
(% of AGI for various income ranges: 68.9% for AGIs below $25k, 74.5% for AGIs $25k-50k, 74.6% for AGIs $50k-75k, 75.0% for AGIs $75k-100k, 74.1% for AGIs $100k-200k, 30.7% for AGIs over 200k)

Taxable interest for individuals: $1,087 (reported on 31.6% of returns)
This zip code:

$1,087
Michigan:

$1,491
(% of AGI for various income ranges: 1.5% for AGIs below $25k, 0.7% for AGIs $25k-50k, 0.6% for AGIs $50k-75k, 0.4% for AGIs $75k-100k, 0.5% for AGIs $100k-200k, 1.6% for AGIs over 200k)

Ordinary dividends: $3,420 (reported on 17.3% of returns)
Here:

$3,420
State:

$6,225
(% of AGI for various income ranges: 1.9% for AGIs below $25k, 0.8% for AGIs $25k-50k, 1.3% for AGIs $50k-75k, 0.9% for AGIs $75k-100k, 0.9% for AGIs $100k-200k, 3.4% for AGIs over 200k)

Net capital gain/loss in AGI: +$4,859 (reported on 12.6% of returns)
Here:

+$4,859
State:

+$9,326
(% of AGI for various income ranges: 0.1% for AGIs $25k-50k, 0.3% for AGIs $50k-75k, 0.6% for AGIs $75k-100k, 1.2% for AGIs $100k-200k, 9.2% for AGIs over 200k)

Profit/loss from business: +$9,675 (reported on 13.1% of returns)
Here:

+$9,675
State:

+$11,523
(% of AGI for various income ranges: 6.4% for AGIs below $25k, 3.3% for AGIs $25k-50k, 1.7% for AGIs $50k-75k, 2.3% for AGIs $75k-100k, 3.9% for AGIs $100k-200k)

Taxable individual retirement arrangement distribution: $17,005 (reported on 13.3% of returns)
49038:

$17,005
Michigan:

$15,298
(% of AGI for various income ranges: 5.1% for AGIs below $25k, 4.2% for AGIs $25k-50k, 3.8% for AGIs $50k-75k, 4.9% for AGIs $75k-100k, 4.7% for AGIs $100k-200k, 11.4% for AGIs over 200k)

Total itemized deductions: $18,346 (21% of AGI, reported on 22.5% of returns)
Here:

$18,346
State:

$21,628

Here:

21.0% of AGI
State:

18.4% of AGI
(% of AGI for various income ranges: 7.7% for AGIs below $25k, 8.0% for AGIs $25k-50k, 7.9% for AGIs $50k-75k, 10.2% for AGIs $75k-100k, 12.2% for AGIs $100k-200k, 10.8% for AGIs over 200k)

Charity contributions: $3,273 (reported on 16.4% of returns)
Here:

$3,273
State:

$4,225
(% of AGI for various income ranges: 0.5% for AGIs below $25k, 1.0% for AGIs $25k-50k, 1.0% for AGIs $50k-75k, 1.3% for AGIs $75k-100k, 1.8% for AGIs $100k-200k, 1.8% for AGIs over 200k)

Taxes paid: $6,314 (reported on 22.5% of returns)
49038:

$6,314
State:

$8,327
(% of AGI for various income ranges: 1.4% for AGIs below $25k, 2.0% for AGIs $25k-50k, 2.5% for AGIs $50k-75k, 3.3% for AGIs $75k-100k, 4.9% for AGIs $100k-200k, 6.1% for AGIs over 200k)

Earned income credit: $2,288 (reported on 18.3% of returns)
Here:

$2,288
State:

$2,306
(% of AGI for various income ranges: 6.3% for AGIs below $25k, 1.1% for AGIs $25k-50k)

Averages for the 2004 tax year for zip code 49038, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $36,888 (Individual Income Tax Returns)
Here:

$36,888
State:

$48,204

Salary/wage: $34,170 (reported on 83.8% of returns)
Here:

$34,170
State:

$42,791
(% of AGI for various income ranges: 101.3% for AGIs below $10k, 73.8% for AGIs $10k-25k, 80.8% for AGIs $25k-50k, 82.6% for AGIs $50k-75k, 81.9% for AGIs $75k-100k, 63.9% for AGIs over 100k)

Taxable interest for individuals: $1,311 (reported on 40.5% of returns)
This zip code:

$1,311
Michigan:

$1,725
(% of AGI for various income ranges: 7.2% for AGIs below $10k, 2.8% for AGIs $10k-25k, 1.1% for AGIs $25k-50k, 0.9% for AGIs $50k-75k, 0.8% for AGIs $75k-100k, 1.7% for AGIs over 100k)

Taxable dividends: $2,307 (reported on 20.8% of returns)
Here:

$2,307
State:

$3,420
(% of AGI for various income ranges: 2.6% for AGIs below $10k, 1.2% for AGIs $10k-25k, 0.8% for AGIs $25k-50k, 0.8% for AGIs $50k-75k, 0.6% for AGIs $75k-100k, 3.0% for AGIs over 100k)

Net capital gain/loss: +$5,976 (reported on 16.0% of returns)
Here:

+$5,976
State:

+$8,532
(% of AGI for various income ranges: -0.5% for AGIs below $10k, 0.0% for AGIs $10k-25k, 0.5% for AGIs $25k-50k, 0.7% for AGIs $50k-75k, 2.0% for AGIs $75k-100k, 9.6% for AGIs over 100k)

Profit/loss from business: +$7,237 (reported on 15.2% of returns)
Here:

+$7,237
State:

+$9,547
(% of AGI for various income ranges: 6.8% for AGIs below $10k, 4.9% for AGIs $10k-25k, 2.7% for AGIs $25k-50k, 2.8% for AGIs $50k-75k, 1.5% for AGIs $75k-100k, 3.3% for AGIs over 100k)

IRA payment deduction: $2,914 (reported on 2.3% of returns)
49038:

$2,914
Michigan:

$2,875
(% of AGI for various income ranges: 0.3% for AGIs $10k-25k, 0.2% for AGIs $25k-50k, 0.2% for AGIs $50k-75k, 0.2% for AGIs $75k-100k, 0.2% for AGIs over 100k)

Self-employed pension: $5,824 (reported on 0.4% of returns)
Here:

$5,824
Michigan:

$13,826

Total itemized deductions: $14,865 (22% of AGI, reported on 26.3% of returns)
Here:

$14,865
State:

$18,509

Here:

21.8% of AGI
State:

20.7% of AGI
(% of AGI for various income ranges: 6.6% for AGIs below $10k, 7.8% for AGIs $10k-25k, 10.2% for AGIs $25k-50k, 10.0% for AGIs $50k-75k, 12.7% for AGIs $75k-100k, 12.0% for AGIs over 100k)

Charity contributions deductions: $2,565 (4% of AGI, reported on 21.8% of returns)
Here:

$2,565
State:

$3,365

Here:

3.5% of AGI
State:

3.6% of AGI
(% of AGI for various income ranges: 0.4% for AGIs below $10k, 0.7% for AGIs $10k-25k, 1.2% for AGIs $25k-50k, 1.5% for AGIs $50k-75k, 1.7% for AGIs $75k-100k, 2.4% for AGIs over 100k)

Total tax: $4,918 (reported on 70.9% of returns)
49038:

$4,918
State:

$7,691
(% of AGI for various income ranges: 3.4% for AGIs below $10k, 4.0% for AGIs $10k-25k, 6.7% for AGIs $25k-50k, 8.8% for AGIs $50k-75k, 10.6% for AGIs $75k-100k, 16.4% for AGIs over 100k)

Earned income credit: $1,695 (reported on 16.4% of returns)
Here:

$1,695
State:

$1,737

Percentage of individuals using paid preparers for their 2004 taxes: 57.0%
Here:

57%
State:

60%
(% for various income ranges: 50.4% for AGIs below $10k, 57.8% for AGIs $10k-25k, 57.7% for AGIs $25k-50k, 59.5% for AGIs $50k-75k, 62.7% for AGIs $75k-100k, 64.0% for AGIs over 100k)

Estimated median household income in 2013:
This zip code:

$44,913
Michigan:

$48,273
Lake Michigan Beach, MI (49038) map Nearest zip codes: 49084, 49098, 49043, 49022, 49057, 49111.
Percentage of family households:
This zip code:

48.6%
Michigan:

49.0%
Percentage of households with unmarried partners:
This zip code:

3.8%
Michigan:

6.4%
No gay or lesbian households reported

Household received Food Stamps/SNAP in the past 12 months: 563
Household did not receive Food Stamps/SNAP in the past 12 months: 3,031


Women who had a birth in the past 12 months: 69 (35 now married, 34 unmarried)
Women who did not have a birth in the past 12 months: 2,113 (964 now married, 1,149 unmarried)


Housing units in zip code 49038 with a mortgage: 1,678 (30 second mortgage, 282 home equity loan, 50 both second mortgage and home equity loan)
Houses without a mortgage: 1,090

Median monthly owner costs for units with a mortgage: $1,106
Median monthly owner costs for units without a mortgage: S354

Residents with income below the poverty level in 2013:
This zip code:

12.6%
Whole state:

17.0%
Residents with income below 50% of the poverty level in 2013:
This zip code:

9.4%
Whole state:

9.1%
Median number of rooms in houses and condos:
Here:

6.6
State:

6.4
Median number of rooms in apartments:
Here:

4.7
State:

4.5
  • Notable locations in this zip code not listed on our city pages

  • Click to draw/clear zip code borders
  • Notable locations in zip code 49038: Coloma Station (A), Dune Lake Campground (B), Coloma Emergency Ambulance Service (C), North Berrien Historical Museum (D), Coloma Township Police Department (E), Coloma Public Library (F), Coloma City Hall (G), Coloma City - Hagar Fire Department (H). Display/hide their locations on the map

    Churches in zip code 49038 include: Faith Church (A), First General Church (B), First Missionary Baptist Church (C), Salem Lutheran Church (D), Coloma Bible Church (E), Central Assembly of God Church (F), Living Word Church of God (G), Lakeshore Bible Church (H), Lake Michigan Beach Community Church (I). Display/hide their locations on the map

    Cemeteries: Kniebes Cemetery (1), Harris Cemetery (2), Curtis Cemetery (3), Boyer Cemetery (4), Coloma Cemetery (5), North Shore Memory Garden (6). Display/hide their locations on the map

    Lakes: Little Paw Paw Lake (A), Paw Paw Lake (B), Kibler Lake (C), Jacobs Chapel Lake (D), Hibbard Lake (E), Harris Lake (F). Display/hide their locations on the map

    Streams, rivers, and creeks: Ryno Drain (A). Display/hide its location on the map

    Parks in zip code 49038 include: Deer Forest Park (1), Randall Park (2), Lions Club Park (3), FOP Sports Park (4). Display/hide their locations on the map

Year house built

  • 02010 or later
  • 3222000 to 2009
  • 7071990 to 1999
  • 5711980 to 1989
  • 7181970 to 1979
  • 6891960 to 1969
  • 9391950 to 1959
  • 5511940 to 1949
  • 7991939 or earlier

Zip code 49038 satellite photo by USGS

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in Lake Michigan Beach, MI (49038)

  • 0no bedroom
  • 351 bedroom
  • 5562 bedrooms
  • 1,4783 bedrooms
  • 5694 bedrooms
  • 1305+ bedrooms

Bedrooms in renter-occupied apartments in Lake Michigan Beach, MI (49038)

  • 0no bedroom
  • 811 bedroom
  • 4152 bedrooms
  • 2673 bedrooms
  • 524 bedrooms
  • 115+ bedrooms
Owner-occupied Renter-occupied

Cars and other vehicles available in Lake Michigan Beach, MI (49038) in owner-occupied houses/condos

  • 90no vehicle
  • 7681 vehicle
  • 1,2092 vehicles
  • 4033 vehicles
  • 2204 vehicles
  • 785+ vehicles

Cars and other vehicles available in Lake Michigan Beach, MI (49038) in renter-occupied apartments

  • 97no vehicle
  • 4521 vehicle
  • 2482 vehicles
  • 293 vehicles
  • 04 vehicles
  • 05+ vehicles

Median gross rent in 2013: $696.


Median price asked for vacant for-sale houses and condos in 2013: $145,302.

Estimated median house (or condo) value in 2013 for:


Estimated median house or condo value in 2013: $126,100
49038:

$126,100
Michigan:

$117,500
Lower value quartile - upper value quartile: $92,600 - $197,700

Mean price in 2013:

Detached houses: $190,641
Here:

$190,641
State:

$159,597

Townhouses or other attached units: $147,026
Here:

$147,026
State:

$138,735

In 2-unit structures: $150,551
Here:

$150,551
State:

$89,877

In 3-to-4-unit structures: $93,044
Here:

$93,044
State:

$110,373

In 5-or-more-unit structures: $293,838
Here:

$293,838
State:

$119,825

Mobile homes: $34,378
Here:

$34,378
State:

$33,033

Owners and renters by unit type in %

Breakdown of mean house values by ages of householders

Housing units in structures:


Unemployment: 13.2%

Percentage of zip code residents living and working in this county: 81.4%

Household type by relationship:

Households: 8,994

Size of family households: 1,128 2-persons, 495 3-persons, 559 4-persons, 199 5-persons, 43 6-persons, 13 7-or-more-persons

Size of nonfamily households: 1,064 1-person, 88 2-persons, 5 4-persons

1,291 married couples with children.
568 single-parent households (115 men, 453 women).

95.1% of residents of 49038 zip code speak English at home.
2.5% of residents speak Spanish at home (75% very well, 17% well, 5% not well, 3% not at all).
1.9% of residents speak other Indo-European language at home (88% very well, 10% well, 2% not well).
0.1% of residents speak Asian or Pacific Island language at home (100% well).
0.4% of residents speak other language at home (100% very well).

Foreign born population: 216 (2.4%)
(45.8% of them are naturalized citizens)
This zip code:

2.4%
Whole state:

6.2%

Most common places of birth for the foreign-born residents

  • 19%Canada
  • 19%Croatia
  • 18%Germany
  • 17%Mexico
  • 11%China, excluding Hong Kong and Taiwan
  • 6%Brazil
  • 4%Netherlands

Most common first ancestries reported in 49038 (%)

  • 26%German
  • 15%Other groups
  • 8%Irish
  • 8%English
  • 6%American
  • 6%Italian
  • 3%Polish

Year of entry for the foreign-born population

  • 22010 or later
  • 1282000 to 2009
  • 671990 to 1999
  • 123Before 1990

Zip code 49038 topographic map

Major facilities with environmental interests located in this zip code:


Zip code 49038 marital status for males
Zip code 49038 marital status for females

Housing units lacking complete plumbing facilities: 1.5%
Housing units lacking complete kitchen facilities: 3.0%

Most commonly used house heating fuel

  • 64%Utility gas
  • 21%Electricity
  • 10%Bottled, tank, or LP gas
  • 5%Fuel oil, kerosene, etc.
  • 1%Wood

Population in 1990: 9,987. Population change in the 1990s: +88 (+0.9%).

Place of birth for U.S.-born residents:


63% of the 49038 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 68% lived in this county.
   Out of people who lived in different counties, 50% lived in Michigan.

91% of the 49038 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 70% moved from this county.
   Out of people who lived in different houses, 17% moved from different county within same state.
   Out of people who lived in different houses, 11% moved from different state.
   Out of people who lived in different houses, 1% moved from abroad.

Year Householders Moved Into Unit

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 106
Here:

13.0%
Michigan:

10.2%
Students in private schools in grades 9 to 12 (high school): 116
Here:

15.5%
Michigan:

8.6%
Students in private undergraduate colleges: 26
Here:

7.3%
Michigan:

14.1%

Educational Attainment (%)

School Enrollment by Level of School (%)

Class of Workers (%)

Occupation by median earnings in the past 12 months ($)

  • 100,476Computer and mathematical occupations
  • 59,732Fire fighting and prevention, and other protective service workers including supervisors
  • 53,833Business and financial operations occupations
  • 52,656Education, training, and library occupations
  • 49,500Health technologists and technicians
  • 44,667Architecture and engineering occupations

Companies with federal contracts located in this zip code:

Top industries in this zip code by the number of employees in 2005:


Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)

Age and Sex of Physically-Disabled Residents (Noninstitutionalized)

Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)

Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)

Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)

Age and Sex of Residents with Employment Disability (Noninstitutionalized)

People in group quarters in 2010:

  • 48 people in workers' group living quarters and job corps centers
  • 6 people in residential treatment centers for adults

People in group quarters in 2000:

  • 58 people in agriculture workers' dormitories on farms
  • 42 people in unknown juvenile institutions
  • 11 people in other noninstitutional group quarters

Fatal accident statistics in 2010:

  • Fatal accident count: 3
  • Vehicles involved in fatal accidents: 4
  • Fatal accidents caused by drunken drivers: 1
  • Fatalities: 3
  • Persons involved in fatal accidents: 8
  • Pedestrians involved in fatal accidents: 0
Home Mortgage Disclosure Act Aggregated Statistics For Year 2009
(Based on 6 partial tracts)
A) FHA, FSA/RHS & VA
Home Purchase Loans
B) Conventional
Home Purchase Loans
C) Refinancings
D) Home Improvement Loans
E) Loans on Dwellings For 5+ Families
F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D)
G) Loans On Manufactured
Home Dwelling (A B C & D)
NumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED62$103,21756$135,763372$163,56275$38,4865$169,58095$235,21310$60,672
APPLICATIONS APPROVED, NOT ACCEPTED2$53,7558$116,34645$140,9265$21,4660$03$54,6305$107,674
APPLICATIONS DENIED7$115,27315$93,725115$158,03432$47,0270$042$201,0801$46,870
APPLICATIONS WITHDRAWN8$66,2536$245,04758$131,35615$46,6010$06$70,6380$0
FILES CLOSED FOR INCOMPLETENESS0$00$019$115,2621$43,6500$07$129,4510$0

Detailed HMDA statistics for the following Tracts: 0101.00 , 0102.00, 0106.00

Private Mortgage Insurance Companies Aggregated Statistics For Year 2009
(Based on 6 partial tracts)
A) Conventional
Home Purchase Loans
B) Refinancings
C) Non-occupant Loans on
< 5 Family Dwellings (A & B)
NumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED6$74,2737$182,4741$147,150
APPLICATIONS APPROVED, NOT ACCEPTED4$171,57511$143,3410$0
APPLICATIONS DENIED0$02$97,0600$0
APPLICATIONS WITHDRAWN0$00$00$0
FILES CLOSED FOR INCOMPLETENESS2$47,1550$00$0

Detailed PMIC statistics for the following Tracts: 0101.00 , 0102.00, 0106.00

Conventional Home Purchase Loans

Conventional Home Purchase Loans - Value

Most common first names in zip code 49038 among deceased individuals
NameCountLived (average)
John8976.6 years
William5974.7 years
Mary5577.2 years
James5266.9 years
Robert4871.9 years
Edward4074.8 years
Dorothy3678.3 years
Charles3576.8 years
Ruth3478.5 years
Joseph3474.6 years
Most common last names in zip code 49038 among deceased individuals
Last nameCountLived (average)
Smith2574.5 years
Miller2376.6 years
Martin1674.5 years
Johnson1678.4 years
Warman1484.6 years
Jones1281.5 years
Bishop1083.1 years
Arent1079.0 years
Hosbein1076.8 years
Rose970.9 years
Businesses in zip code 49038
NameCountNameCount
Dairy Queen1Pizza Hut1
GNC1Rite Aid1
Lane Furniture1Subway1
McDonald's1True Value1

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