Best Places49098, MI Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 49098, scored on 40 measures of daily life and ranked to fit what matters to you. Several measures below read low, and the ranked lists name which ones. To work out which city fits you best, start with the best places to live tool.
49098 ranks 25,141st of 33,110 U.S. zip codes on the BestNeighborhood index. Car insurance costs pulls hardest against it, while it scores best on low disaster risk.
The best neighborhoods in 49098
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
49098's strengths and weaknesses
Where 49098 ranks high
- Disaster safetyBetter than 89% of zip codes
- Cheap childcare$624 a month, better than 83% of zip codes
- Internet speedBetter than 83% of zip codes
- Big-city accessBetter than 78% of zip codes
- Short commute22.8 minutes each way, better than 71% of zip codes
Where 49098 ranks low
- Cheap car insuranceBetter than only 6% of zip codes
- Health outlookBetter than only 9% of zip codes
- Educational attainmentBetter than only 17% of zip codes
- Household income$57,475 median, better than only 20% of zip codes
- Air qualityBetter than only 21% of zip codes
What it costs to buy a home in 49098
A household needs to earn about $45,000 a year to comfortably buy the median 49098 home, at 20% down and today's 30-year rate. That is below the area's own median income of $57,475, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 49098's effective rate of 0.98%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 6 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 49098
49098's age mix sits close to the national median.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 49098.
Who works in 49098, and how
Work in 49098 centers on manufacturing and health care & social. Unemployment is low, and the job base is shrinking.
Largest industries
How people get to work
- Drive or carpool 83%
- Work from home 10%
- Transit, walk, or bike 7%
Life in 49098
49098 has more restaurants and bars per resident than 71% of zip codes. That concentrates in some parts of 49098 and thins out in others, which the map shows.
What the weather is like in 49098, month by month
49098 sees roughly 72 pleasant days a year. July highs average about 85 degrees. January highs sit near 36, with lows near 21. The comfortable stretch runs May through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 36° | 29° | 21° |
| April | 60° | 48° | 36° |
| July | 85° | 73° | 61° |
| October | 66° | 55° | 44° |
Flying in and out of 49098
The nearest airport, South Bend International, is about 33 miles away and is a small airport. The nearest major hub is Chicago Midway International, about 82 miles away.
The best schools in and around 49098
Schools across 49098 average a C−, better than 22% of zip codes.
Top elementary schools
- North Elementary SchoolC · 35% proficient
- Coloma Elementary SchoolC− · 28% proficient
- Sister Lakes Elementary SchoolD+ · 24% proficient
Top middle schools
- Watervliet Middle SchoolC− · 30% proficient
- Dowagiac Middle SchoolD · 20% proficient
- Covert Middle SchoolD− · 15% proficient
Top high schools
- Watervliet Senior High SchoolC− · 27% proficient
- Coloma High SchoolD+ · 25% proficient
- Way Watervliet High SchoolD+ · 25% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 49098 school and its grade on SchoolGrade.
49098 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 49098 against the other 33,109 zip codes.
Common questions about living in 49098
Is 49098 a good place to live?
Using BestNeighborhood's default rankings, 49098 ranks 25,141st of 33,110 zip codes. It scores highest on low disaster risk, affordable childcare, and fast internet, and lowest on car insurance costs and health outcomes. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 49098 expensive to live in?
The median home is worth $169,354. The overall cost of living runs about 22% below the national average. Set against a $57,475 median income, cost of living beats 36% of zip codes.
Is 49098 safe?
49098 is safer than 53% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $339 per resident a year.
Compare 49098 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 49098. Scores are absolute rather than ranked, which means a 60 in 49098 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
49098 detail on BestNeighborhood maps:
- Walk Grade for 49098: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 49098: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 49098: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 49098: carrier by carrier coverage behind the cell score.
49098 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.