Three Oaks, Michigan.
Typical home $338,877 (+11.9% in a year). Niles, MI metro.
to buy the typical home at today's mortgage rate — +$1,097 (+161%) since Jan 2020.
- 1 year
- Up $36,122 +12%
- $302,755$338,877 since Sep 2025
- 5 years
- Up $82,263 +32%
- $256,614$338,877 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.
- Three Oaks$1,779
- Michigan$1,384
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in Three Oaks, MI rose 11.9% over the past year — faster than the nation's +1.2%.
Living in Three Oaks, Berrien County, Michigan
Three Oaks is a village of 1,370 people in Berrien County. Half its households earn more than $66,985 a year and half less, against $65,425 across Berrien County; 9% of its people live below the poverty line. 69% of its homes are lived in by their owners and 31% are rented. Unemployment in Berrien County was 4.8% in August 2026, and the county had about as many jobs in 2025 as the year before. The most residents work in restaurants and hotels, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Three Oaks is a small village in Berrien County, Michigan, where most homes are lived in by their owners and the population is somewhat younger than in many small towns. Household incomes sit a little above the county's, and fewer than most adults hold a four-year degree. Winters are cold and snowy, with January the coldest month, and summers are warm, with July the warmest. Rain and melted snow add up across the year.
Work. Residents work mostly in restaurants, hotels and entertainment, in professional and business services, in manufacturing, and in transport, warehouses and utilities. Across Berrien County, some of the largest workplaces are Lakeland Hospital in St. Joseph, American Electric Power and Andrews University. Commutes are fairly short, and a good number of people work from home.
Things to do. Warren Woods State Park, a protected area, lies in or beside town, and Warren Dunes State Park is a short drive away. The Galien River and Saugany Lake, both a short drive away, offer quieter time near the water. For a longer outing, Indiana Dunes National Park is a longer drive away.
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- 548households
- 28%of adults have a degree
- 9%below the poverty line
- 19 mintypical commute
- 15%work from home
What residents work in
Employed residents by industry, from the Census survey. Berrien County had 60,632 jobs in 2025, about as many as the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 31° and lows near 17°; warmest in July, with highs near 82° and lows near 64°. About 65 inches of snow and 43 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Laporte weather station, 14 miles away (NOAA).
Largest workplaces in Berrien County
- Lakeland Hospital St Joseph Loc0184-lakeland Hospital St JosephGeneral medical and surgical hospitals2,219
- American Electric Power977
- Andrews UniversityUniversity or college806
- Berrien Springs Public SchoolsSchool district470FTE
- Purposecare ofHome health agencies466
- Lane AutomotiveMotor vehicle parts and accessories, new, merchant wholesalers444
- Niles Community SchoolsSchool district409FTE
- Lakeland Hospital Niles Loc0182-lakeland Hospital NilesGeneral medical and surgical hospitals385
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 163 workplaces with 20 or more staff, 16,697 people in all across the county; Three Oaks has two of its own. Colleges come from IPEDS (NCES, 2023–24) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Strong windRelatively moderate
- HailRelatively moderate
- Cold wavesRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Three Oaks’ census tracts, against the rest of the country; all of them together, very low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Berrien County and the Niles, MI metro.
Three Oaks home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Three Oaks$338,877
- Michigan$263,760
- United States$366,157
Sellers are cutting prices on about 1 in 4 Three Oaks listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Three Oaks25.80%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Three Oaks46
New listings per month
Sellers arriving at the market.
- Three Oaks11
Zip codes with a Three Oaks address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Three Oaks — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.