Median Income
$60,500
19% lower than US avg
Home Value
$185,100
34% lower than US avg
Violent Crime
194/100K
49% lower than US avg
Bachelor's+
19.9%
41% lower than US avg
Median Rent
$1,022
12% lower than US avg
Obesity Rate
36.1%
12% higher than US avg
Unemployment
3.8%
6% higher than US avg
Poverty Rate
7.9%
36% lower than US avg
How Three Oaks Compares to the U.S. Average (100% = U.S. avg)
People
Population1,322
Median Age39.6 yrs
Density1,213/mi²
Male / Female58% / 42%
Largest GroupWhite 67%
Veterans5.4%
Economy
B+
Median Income$60,500
Per Capita$39,741
Unemployment3.8%
Poverty7.9%
County GDP$9,718M
Commute22 min
Housing
A+
Home Value$185,100
Rent$1,022
Ownership66.5%
Zillow$316,422
Housing Units637
Rent Burden30.1%
Crime
F
Violent194/100K
Property2,066/100K
Murder0.0/100K
Assault129/100K
Burglary387/100K
Health
Obesity36.1%
Uninsured7.0%
Smoking14.8%
Depression28.1%
Heart Disease5.3%
Climate
Avg Temp50°F (10°C)
AQI38 (Good)
Rain42.6 in/yr
Sunny Days275/yr
Elevation674 ft (205 m)
Education
C+
Bachelor's+19.9%
High School+90.6%
Graduate+7.6%
School Score5.22
Community
2024 VoteR 53% / D 45%
Commute22 min
Broadband88.3%
EV Stations3
Libraries14
Is Three Oaks a Good Place to Live?
Based on current data, Three Oaks receives an overall livability score of 3.1 out of 5.0, earning a grade of B. Key strengths include low crime rates, affordable housing, abundant sunshine, a low poverty rate. Three Oaks offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Three Oaks is $60,500, 19% below the national average of $75,149. Unemployment stands at 3.8%, indicating a healthy job market. Only 7.9% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 22 minutes.
Cost of Living & Housing
The median home value in Three Oaks is $185,100, 34% below the national median / offering relatively affordable homeownership. Renters pay a median of $1,022 per month, below the national average / a plus for affordability. A price-to-income ratio of 3.1x indicates a reasonably affordable housing market.
Safety & Crime
Violent crime in Three Oaks is below the national average at 194 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 2,066 per 100,000, near the national average.
Education
19.9% of residents hold a bachelor's degree, below the national average of 33.7%. 90.6% have completed high school. Area schools have an average test score of 5.2/10.
Climate & Weather
Three Oaks experiences four distinct seasons with an average temperature of 50°F. Winters average 24°F in January while summers reach 73°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 42.6 inches, including 65.2 inches of snow. Air quality is rated Good with a median AQI of 38.
Three Oaks has a population of 1,322 with a density of 1,213 people per square mile, spread across 1.0 square miles. The median age is 39.6 years, 2% older than the national median of 38.9. The gender split is 41.8% female and 58.2% male. The city is predominantly White (67.3%). English is the primary language spoken at home by 79.1% of residents, while 20.9% speak Spanish. 5.4% of the population are veterans. 9.4% of residents have a disability (below the 13.0% national average). 94.0% have health insurance coverage.
Population
39.6yrs
Median Age
2% above US avg
Race & Ethnicity
Three Oaks vs U.S. Average
Language Spoken at Home
English Only
79.1%
1% above US avg
Spanish
20.9%
56% above US avg
Social Characteristics
Three Oaks vs U.S. Average
The median household income in Three Oaks is $60,500, which is 19% below the national average of $75,149. Per capita income is $39,741. The average weekly wage is $1,096, 23% lower than the U.S. average. The unemployment rate is 3.8% (above the 3.6% US average). 7.9% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 4,096 business establishments, including 391 restaurants. The cost of living index is 96.2, roughly in line with the national average. Workers commute an average of 22 minutes (shorter than the 28-minute US average). 10.2% of workers work from home (below the 15.2% national rate).
Income: Three Oaks vs U.S.
Income
| Median HH Income | $60,500 |
| 19% below US avg |
| Per Capita Income | $39,741 |
| Avg Weekly Wage | $1,096 |
| IRS Avg AGI | $80,573 |
| Gini Index | 0.482 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 3.8% |
| 6% above US avg |
| Poverty Rate | 7.9% |
| 36% below US avg |
| Establishments (County) | 4,096 |
| County GDP | $9,718M |
Business (County)
| Restaurants | 391 |
| Healthcare | 432 |
| Retail | 544 |
| Manufacturing | 268 |
Tax & Cost of Living
| Property Tax (IRS) | $7,061 |
| 102% above US avg |
| Cost of Living | 96.20 (100=avg) |
| Effective Tax Rate | 3.81% |
Commute & Transportation
| Commute Time | 21.7 min |
| Drive Alone | 61.7% |
| Public Transit | 0.3% |
| Work from Home | 10.2% |
The median home value in Three Oaks is $185,100, 34% below the national median of $281,900. Zillow estimates the typical home value at $316,422, higher than the Census estimate. Homes sell for 96.3% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $1,022 (12% below the national average of $1,163). Fair market rent ranges from $891 for a one-bedroom to $1,113 for a two-bedroom apartment. 66.5% of housing units are owner-occupied. There are 637 total housing units in the city. The median year a home was built is 1952. The average annual property tax is $7,061 (higher than the $3,500 national average). 30.1% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3.1x.
Home Values
| Census Median | $185,100 |
| 34% below US avg |
| Zillow ZHVI | $316,422 |
Real Estate Market (Redfin)
| $/Sq Ft | $176 |
| Homes Sold | 1 |
| Sale-to-List Ratio | 96.3% |
| Price Drops | 20.0% |
| Inventory | 10 |
Rental Costs
| Census Median Rent | $1,022 |
| 12% below US avg |
| Rent Burden | 30.1% |
HUD Fair Market Rent
| Studio | $807 |
| 1 Bedroom | $891 |
| 2 Bedrooms | $1,113 |
| 3 Bedrooms | $1,419 |
| 4 Bedrooms | $1,588 |
Ownership & Property
| Homeownership | 66.5% |
| Owner-Occupied | 66.5% |
| Renter-Occupied | 33.5% |
| Housing Units | 637 |
| Median Year Built | 1952 |
Property Tax
| Avg Tax (IRS) | $7,061 |
| 102% above US avg |
| Effective Rate | 3.81% |
In Three Oaks, 36.1% of adults are obese, above the national rate of 32.1%. 8.8% have diabetes (below the 10.5% national rate). Heart disease affects 5.3% of residents. 30.5% have high blood pressure. 14.8% are current smokers. 19.4% report binge drinking. 22.7% are physically inactive. 28.1% report depression (above the 20.0% national average). 19.0% experience frequent mental distress. 7.0% of residents lack health insurance. The primary care physician ratio is 1:1,255. The dentist ratio is 1:1,778. 79.6% of residents have access to exercise opportunities. The food environment index is 7.2 out of 10.
Health Metrics: Three Oaks vs U.S. Average (%)
Chronic Conditions
| Obesity | 36.1% |
| 12% above US avg |
| Diabetes | 8.8% |
| Heart Disease | 5.3% |
| High Blood Pressure | 30.5% |
| Asthma | 11.6% |
| COPD | 6.7% |
| Cancer | 7.9% |
| Stroke | 2.8% |
Behaviors & Mental Health
| Smoking | 14.8% |
| 6% above US avg |
| Binge Drinking | 19.4% |
| Physical Inactivity | 22.7% |
| Depression | 28.1% |
| Mental Distress | 19.0% |
| Physical Distress | 13.1% |
| Short Sleep | 35.2% |
Healthcare Access
| Insurance Rate | 94.0% |
| Uninsured | 7.0% |
| 19% below US avg |
| Primary Care | 1:1,255 |
| Dentists | 1:1,778 |
| Mental Health | 1:316 |
| Checkup Rate | 75.5% |
| Dental Visits | 73.5% |
| Premature Death | 9,398/100K |
Food & Exercise
| Food Environment | 7.2/10 |
| Exercise Access | 79.6% |
| Healthcare Facilities | 432 |
Three Oaks has a violent crime rate of 194 per 100,000 residents, 49% below the national average of 380. This breaks down to aggravated assault at 129.1 per 100,000, robbery at 64.6, rape at 0.0. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 2,066 per 100,000, 5% above the U.S. average. This includes larceny/theft at 1,614, burglary at 387, vehicle theft at 65 per 100,000 residents. The county recorded 13 fatal traffic crashes. Overall, Three Oaks receives a safety grade of F.
Crime Rates: Three Oaks vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 193.7/100K |
| 49% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 0.0/100K |
| Robbery | 64.6/100K |
| Assault | 129.1/100K |
Property Crime
| Total Property | 2,065.9/100K |
| 5% above US avg |
| Burglary | 387.4/100K |
| Theft | 1,613.9/100K |
| Vehicle Theft | 64.6/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 13 |
| Traffic Accidents | 40 |
| Avg Accident Severity | 2.4 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Three Oaks experiences four distinct seasons with an average annual temperature of 50°F (10°C). Winters average 24°F in January while summers reach 73°F in July. The area gets 275 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 42.6 inches. The area receives 65.2 inches of snow annually, making winter weather a significant factor for residents. Air quality is rated Good with a median AQI of 38. The city sits at an elevation of 674 feet.
Temperature
24°F Jan (-4°C)
73°F Jul (23°C)
| Annual Average | 50.0°F |
| 7% below US avg |
| January Average | 24°F (-4°C) |
| July Average | 73°F (23°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 674 ft (205 m) |
| Area | 1.0 sq mi (2.6 km²) |
| Population Density | 1,213/sq mi |
| Coordinates | 41.7985°N, 86.6139°W |
| Timezone | America/Detroit |
| County | Berrien County County |
| Nearest Airport | South Bend International (SBN)
17 miles away |
Precipitation & Snow
Annual Rainfall
42.6"
12% above US avg
Wettest Month (Jun)
4.09"
Air Quality
| AQI Median | 38.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
Natural Hazard Risk
| Overall Risk | Relatively Moderate |
| Risk Score | 81.7 / 100 |
| Social Vulnerability | 44.1 / 100 |
| Community Resilience | 98.4 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Moderate |
| Ice Storm |
Relatively Low |
| Drought |
No Rating |
| Cold Wave |
Relatively Moderate |
| Landslide |
Very Low |
| Coastal Flood |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
4 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.2. Most recent: M3.3 on Jun 30, 2015.
| May 2, 2015 |
5 km S of Galesburg, Michigan |
M4.2 |
109 km |
| Jun 30, 2015 |
5 km NNE of Burlington, Michigan |
M3.3 |
135 km |
| Nov 4, 2013 |
1 km SSW of Lyons, Illinois |
M3.2 |
100 km |
| Jan 26, 2012 |
5 km NE of Topeka, Indiana |
M3.0 |
97 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
390 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 91 fatalities, 1,181 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 11, 1965 |
EF4 |
42 km |
36 |
| Apr 11, 1965 |
EF4 |
78 km |
5 |
| Apr 11, 1965 |
EF4 |
55 km |
31 |
| May 27, 2019 |
EF3 |
100 km |
0 |
| Oct 18, 2007 |
EF3 |
67 km |
0 |
| Oct 24, 2001 |
EF3 |
25 km |
1 |
| May 13, 1980 |
EF3 |
57 km |
0 |
| May 13, 1980 |
EF3 |
93 km |
5 |
| Mar 12, 1976 |
EF3 |
32 km |
0 |
| Mar 12, 1976 |
EF3 |
58 km |
0 |
| Jun 20, 1974 |
EF3 |
89 km |
0 |
| Oct 24, 1967 |
EF3 |
57 km |
0 |
| Nov 26, 1965 |
EF3 |
15 km |
0 |
| Nov 12, 1965 |
EF3 |
77 km |
0 |
| Apr 11, 1965 |
EF3 |
50 km |
10 |
| Apr 11, 1965 |
EF3 |
70 km |
0 |
| Apr 30, 1962 |
EF3 |
65 km |
0 |
| Apr 30, 1962 |
EF3 |
16 km |
0 |
| Jul 23, 1961 |
EF3 |
94 km |
0 |
| Jun 14, 1957 |
EF3 |
85 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Tsunami History
1 tsunami recorded within 500 km.
Highest wave on record: 3.0 m (10 ft).
| Year |
Location |
Cause |
Max Wave |
Deaths |
Distance |
| 1954 |
MICHIGAN CITY, IN (LAKE MICHIGAN) |
Avalanche |
3.0 m |
7 |
25 km |
Source: NOAA/NCEI Historical Tsunami Database. Sorted by wave height.
Wildfire History
4 wildfires (100+ acres) within 100 km.
Largest: ALLEGAN6 (1,077 ac, 1988).
| Year |
Name |
Acres |
Distance |
| 1988 |
ALLEGAN6 |
1,077 |
99 km |
| 1986 |
OGDEN DUNS |
863 |
54 km |
| 2021 |
21-INDU TOLLESTON DUNES EAST |
594 |
54 km |
| 2017 |
17 INDU COWLES DUNES |
522 |
44 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
24°F (-4°C) |
2.2 in |
Coldest |
| February |
27°F (-3°C) |
1.8 in |
Driest |
| March |
37°F (3°C) |
2.9 in |
|
| April |
48°F (9°C) |
3.7 in |
|
| May |
59°F (15°C) |
3.4 in |
|
| June |
69°F (20°C) |
4.1 in |
Wettest |
| July |
73°F (23°C) |
3.7 in |
Warmest |
| August |
71°F (21°C) |
3.7 in |
|
| September |
63°F (17°C) |
3.9 in |
|
| October |
52°F (11°C) |
3.2 in |
|
| November |
40°F (5°C) |
3.5 in |
|
| December |
29°F (-2°C) |
3.1 in |
|
Three Oaks has a seasonal temperature swing of 49°F / from 24°F in January to 73°F in July. Total annual precipitation is 39.1 inches, with June being the wettest month (4.1") and February the driest (1.8").
Average costs for common services in Three Oaks. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$241 ($144–$385) |
| Specialist Visit |
$337 ($192–$529) |
| Urgent Care Visit |
$192 ($96–$337) |
| Emergency Room Visit |
$2,116 ($770–$4,810) |
| Dental Cleaning |
$125 ($72–$192) |
| Dental Filling |
$241 ($144–$385) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$43 ($24–$72) |
| Oil Change (Synthetic) |
$72 ($48–$115) |
| Brake Pad Replacement |
$289 ($144–$481) |
| Tire Rotation |
$38 ($19–$72) |
| New Tires (Set of 4) |
$577 ($385–$962) |
| Battery Replacement |
$192 ($96–$337) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$96 ($58–$144) |
| Electrician (Per Hour) |
$87 ($48–$135) |
| HVAC Repair |
$385 ($144–$770) |
| HVAC System Install |
$6,734 ($3,848–$11,544) |
| Roof Repair |
$962 ($385–$1,924) |
| Roof Replacement |
$8,658 ($5,291–$14,430) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,443 ($481–$3,367) |
| Divorce (Contested) |
$14,430 ($4,810–$28,860) |
| DUI Defense |
$4,810 ($1,924–$9,620) |
| Bankruptcy (Chapter 7) |
$1,443 ($770–$2,886) |
| Will Preparation |
$481 ($192–$962) |
| Trust Preparation |
$2,405 ($962–$4,810) |
View all 12 services
Personal Care
| Men's Haircut |
$24 ($14–$43) |
| Women's Haircut |
$53 ($29–$96) |
| Hair Coloring (Full) |
$144 ($72–$241) |
| Manicure |
$24 ($14–$43) |
| Pedicure |
$38 ($24–$63) |
| Massage (1 Hour) |
$77 ($48–$125) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.94 ($2.89–$5.29) |
| Dozen Eggs (per dozen) |
$3.37 ($2.41–$4.81) |
| Loaf of Bread |
$3.66 ($2.41–$5.29) |
| Chicken Breast (per lb) |
$4.33 ($2.89–$6.25) |
| Ground Beef (per lb) |
$5.29 ($3.85–$7.22) |
| Rice (per lb) |
$0.96 ($0.58–$1.73) |
View all 20 services
Utilities
| Electricity (Monthly) |
$135 ($77–$241) |
| Natural Gas (Monthly) |
$67 ($29–$144) |
| Water/Sewer (Monthly) |
$67 ($38–$115) |
| Internet (Monthly) |
$67 ($38–$96) |
| Cell Phone Plan (Monthly) |
$63 ($29–$96) |
| Cable TV (Monthly) |
$82 ($48–$144) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$192 ($72–$481) |
| Car Insurance (Annual) |
$1,924 ($1,154–$3,367) |
| Bus Pass (Monthly) |
$67 ($29–$125) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.70–$24) |
| Car Registration (Annual) |
$96 ($29–$241) |
| Driver's License Renewal |
$29 ($14–$72) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,154 ($577–$2,405) |
| Daycare (Toddler, Monthly) |
$962 ($481–$1,924) |
| After-School Care (Monthly) |
$385 ($192–$673) |
| Tutoring (Per Hour) |
$48 ($24–$96) |
| SAT/ACT Prep Course |
$962 ($385–$2,405) |
| Private School (K-12, Annual) |
$12,025 ($4,810–$28,860) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$58 ($29–$96) |
| Dog Vaccination (Annual) |
$96 ($48–$192) |
| Dog Grooming |
$58 ($29–$96) |
| Pet Boarding (Per Night) |
$38 ($19–$72) |
| Dog Spay/Neuter |
$289 ($144–$481) |
| Cat Spay/Neuter |
$192 ($96–$385) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $594 |
| Toddler | $594 |
| Preschool | $494 |
| Family Childcare (monthly) |
| Infant | $831 |
| Toddler | $674 |
| Preschool | $670 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Three Oaks
What is the population of Three Oaks?
Three Oaks has a population of 1,322 residents and is located in Michigan. The population density is 1,213 people per square mile, spread across 1.0 square miles. The median age of residents is 39.6 years. The population is 41.8% female and 58.2% male.
Is Three Oaks expensive to live in?
Three Oaks has a cost of living roughly in line with the national average, with an index of 96.2 (baseline: 100). The median household income is $60,500, 19% below the national average of $75,149. The median home value is $185,100 (34% below the U.S. median). Renters pay a median of $1,022 per month, below the national average of $1,163. The home price-to-income ratio is 3.1x, indicating housing is reasonably affordable relative to local income levels.
Is Three Oaks safe?
Three Oaks is safer than the national average, with a violent crime rate of 194 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 2,066 per 100,000 (above the national average). Overall, Three Oaks receives a safety grade of F based on combined crime data.
What is the weather like in Three Oaks?
Three Oaks has a four-season climate with an average annual temperature of 50°F (10°C). Winter temperatures average 24°F in January, while summers reach an average of 73°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 42.6 inches, with 65.2 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 38.
How is the job market in Three Oaks?
Three Oaks has a healthy job market with an unemployment rate of 3.8%, near the national average of 3.6%. The average weekly wage is $1,096. There are 4,096 business establishments in the area, including 391 restaurants and food service locations. The average commute time is 22 minutes, and 10.2% of workers work from home.
How much does housing cost in Three Oaks?
The median home value in Three Oaks is $185,100. Zillow estimates the typical home value at $316,422. For renters, the median monthly rent is $1,022. Fair market rent is $891 for a 1-bedroom and $1,113 for a 2-bedroom apartment. The homeownership rate is 66.5%. The average annual property tax is $7,061.
How are the schools in Three Oaks?
Schools in Three Oaks score 5.2 out of 10 on standardized testing, near the national average. 19.9% of adults in Three Oaks hold a bachelor's degree or higher, below the national average of 33.7%. 90.6% have completed high school. 7.6% hold a graduate or professional degree.
How healthy is Three Oaks?
The obesity rate in Three Oaks is 36.1% (above the national rate of 32.1%). 14.8% of adults are smokers. 22.7% are physically inactive. 28.1% of residents report depression. 7.0% lack health insurance (below the national rate). 79.6% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,255.
What is transportation like in Three Oaks?
The average commute in Three Oaks is 22 minutes, shorter than the national average of 28 minutes. 61.7% of workers drive alone to work, and 10.2% work from home.
What are the demographics of Three Oaks?
The racial and ethnic makeup of Three Oaks is 67.3% White, 0.6% Black or African American. 79.1% of residents speak only English at home, while 20.9% speak Spanish. 5.4% of the population are military veterans. 9.4% of residents have a disability. 94.0% have health insurance coverage.
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