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ZIP Code 49040

St. Joseph, Michigan

FIPS 49040

Juniper

ZIP Code 49040 is in the top 3% nationally for HPI growth 5yr %. It also sits in the top 6% nationally for appreciation 1yr %. And it sits in the top 38% nationally for FEMA risk score.

Median Home Value

$169,900

Lower than 60% of U.S. ZIP codes

HPI Growth 5yr %

76%

Higher than 97% of U.S. ZIP codes

FEMA Risk Score

55

Lower than 62% of U.S. ZIP codes

The basics

Total Population

3,384

Median Age

42.4

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$169,900

Lower than 60%

Median Property Tax

$1,621

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

2.64

Lower than 59%

Median Rent

$791

Lower than 60%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

76%

Higher than 97%

Appreciation 1yr %

10%

Higher than 94%

Pandemic Gain %

47%

Recession Drop %

-14%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

80.4

Winter Avg Low (°F)

19.1

Avg Temperature (°F)

48.5

Hot Days/yr (>90°F)

13.1

Freezing Days/yr (<32°F)

145.3

Annual Precipitation (in)

39.7

Annual Snowfall (in)

41.2

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

55

Lower than 62%

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Environment & Risk

ZIP Code 49040: frequently asked questions

What is the median home value in ZIP Code 49040?
The median home value in ZIP Code 49040 is $169,900, lower than 60% of U.S. ZIP codes.
How much is property tax in ZIP Code 49040?
The median annual property tax in ZIP Code 49040 is $1,621, an effective rate of 1% of home value.
Is ZIP Code 49040 expensive to live in?
Homes in ZIP Code 49040 cost about 2.64× the median household income, lower than 59% of U.S. ZIP codes.
What is the average rent in ZIP Code 49040?
The median gross rent in ZIP Code 49040 is $791 a month, lower than 60% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 49040?
Home prices in ZIP Code 49040 have moved 76% over the past five years (10% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 49040?
ZIP Code 49040 averages 48.5°F year-round, summer highs near 80.4°F, winter lows around 19.1°F (NOAA 1991–2020 normals). It sees about 41.2 inches of snow a year.
Is ZIP Code 49040 at risk of flooding or natural disasters?
ZIP Code 49040's FEMA National Risk Index score is 55 (lower than 62% of U.S. ZIP codes). Its greatest modeled natural hazard is tornado.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →