Zip lookup · MI

49098
Watervliet, Michigan.

Watervliet, Berrien County, MI · Niles, MI metro · population 6,215

What it costs per month · 49098 $1,259/mo

to buy the typical home at today's mortgage rate — +$661 (+110%) since Jan 2020.

What the home itself did
1 year
Up $19,523 +9%
$220,401$239,924 since Sep 2025
5 years
Up $41,327 +21%
$198,597$239,924 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 49098 $1,259 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • 49098$1,259
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 18 years.

Typical home values in zip 49098 rose 8.9% over the past year — faster than the nation's +1.2%.

This zip spans 2 counties: Berrien County, MI 77% · Van Buren County, MI 23%

Zillow also publishes an index for the city itself: Watervliet, MI — measured over the city limits, which is a different area from this zip.

Typical home value $239,924 as of Sep 2026
+8.9%year on year

Typical home value — 49098

Mid-tier homes, smoothed and seasonally adjusted.

$150,000 $200,000 $250,000 $300,000 $350,000 2018 2020 2022 2024 2026 49098 $239,924 Niles $281,191 United States $366,157
$150,000 $200,000 $250,000 $300,000 $350,000 2018 2022 2026
  • 49098$239,924
  • Niles$281,191
  • United States$366,157

Within 20 miles

Miles sorted ascending, activate to sort descending Zip activate to sort by Zip City activate to sort by City Population activate to sort by Population Rent activate to sort by Rent Home value activate to sort by Home value
4.1 49057 Hartford 6,434 — $179,846
5.0 49038 Coloma 8,616 — $254,490
7.4 49022 Benton Harbor 29,460 $1,050 $159,714
8.3 49043 Covert 2,102 — $229,838
10.1 49111 Eau Claire 3,159 — $260,903
10.5 49064 Lawrence 3,635 — $246,861
11.7 49013 Bangor 5,346 — $208,177
11.8 49126 Sodus 1,623 — $241,218
12.9 49047 Dowagiac 14,858 $1,290 $223,986
13.1 49045 Decatur 5,321 — $212,833
13.8 49085 Saint Joseph 23,827 $1,628 $339,202
14.9 49102 Berrien Center 1,472 — $291,622
16.7 49090 South Haven 13,250 $2,016 $371,562
16.8 49103 Berrien Springs 11,590 $1,495 $302,527
17.8 49079 Paw Paw 13,414 — $276,644
18.0 49127 Stevensville 11,155 $1,381 $337,732
18.6 49056 Grand Junction 4,478 — $216,431
19.8 49101 Baroda 2,947 — $335,984

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.