Median home value in zip code 49085 (Saint Joseph, MI) is $322,146, up 3.2% year over year. Part of the Niles, MI metropolitan area.

Home Value$322,146

YoY Change

+3.2%

Prices rising — worse for buyers.

Affordability

Enter your income for 49085 (Saint Joseph).

Income (annual)

Down Payment

$64,429 on $322,146

Example: $75,000 household income. Change it above to see your own.

Stretch34.8% of income

Above 28% but manageable with cuts.

PITI$2,176

P/I34.8%

Afford$259K

Gap-$63K

P&I $1,629Tax $413Ins $133

6.50% 30yr, 20% down, county tax + MI ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

49085 is part of the Niles, MI metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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