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ZIP Code 49099

St. Joseph, Michigan

FIPS 49099

Juniper

ZIP Code 49099 is in the top 34% nationally for HPI growth 5yr %. It also sits in the top 38% nationally for price-to-income ratio.

Median Home Value

$176,800

Lower than 57% of U.S. ZIP codes

HPI Growth 5yr %

44%

Higher than 66% of U.S. ZIP codes

FEMA Risk Score

62.7

Near the U.S. ZIP codes median

The basics

Total Population

5,942

Median Age

43.3

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$176,800

Lower than 57%

Median Property Tax

$1,991

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

2.51

Lower than 62%

Median Rent

$941

Near median

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

44%

Higher than 66%

Appreciation 1yr %

-5.9%

Higher than 58%

Pandemic Gain %

46%

Recession Drop %

-13%

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

62.7

Near median

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 49099: frequently asked questions

What is the median home value in ZIP Code 49099?
The median home value in ZIP Code 49099 is $176,800, lower than 57% of U.S. ZIP codes.
How much is property tax in ZIP Code 49099?
The median annual property tax in ZIP Code 49099 is $1,991, an effective rate of 1% of home value.
Is ZIP Code 49099 expensive to live in?
Homes in ZIP Code 49099 cost about 2.51× the median household income, lower than 62% of U.S. ZIP codes.
What is the average rent in ZIP Code 49099?
The median gross rent in ZIP Code 49099 is $941 a month, near the U.S. ZIP codes median.
How much have home prices grown in ZIP Code 49099?
Home prices in ZIP Code 49099 have moved 44% over the past five years (-5.9% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 49099?
ZIP Code 49099 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 49099 at risk of flooding or natural disasters?
ZIP Code 49099's FEMA National Risk Index score is 62.7 (near the U.S. ZIP codes median). 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 →