How much do homeowners pay a month in Three Oaks Township, MI?

Name: Homeowner costs in Three Oaks Township, MI, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Three Oaks Township, MI pay a median of $1,357 (±$90) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $502 (±$63).

59.4% of owned homes carry a mortgage.

In Three Oaks Township, the median monthly cost with a mortgage went from $1,194 in 2015–2019 to $1,357 in 2020–2024 (+13.7%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Figures last updated on November 12, 2026.

With a mortgage: $1,357 (±$90)
Without a mortgage: $502 (±$63)
Owned with a mortgage: 59.4%

Monthly owner costs in Three Oaks Township

Median selected monthly owner costs, estimate (90% margin of error)
	Three Oaks Township	Berrien County	Michigan	United States
With a mortgage	$1,357 (±$90)	$1,462 (±$25)	$1,569 (±$5)	$1,963
Without a mortgage	$502 (±$63)	$568 (±$12)	$602 (±$3)	$638
Owned homes with a mortgage	59.4% (±7.1 points)	56.0% (±1.4 points)	57.8% (±0.2 points)	60.6%
Median real estate taxes (a year)	$2,114 (±$198)	$2,429 (±$48)	$2,904 (±$9)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Three Oaks Township, the median cost with a mortgage is lower than in Berrien County ($1,462).

It is also lower than in Michigan ($1,569).

It is lower than the national figure ($1,963).

In Berrien County, Three Oaks Township ranks 17 of 30 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 815 of 1,516.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Three Oaks Township have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$1,194 (±$89)	$1,357 (±$90)	+13.7%	No measurable change after inflation
Median real estate taxes	$1,683 (±$170)	$2,114 (±$198)	+25.6%	No measurable change after inflation
Median home value	$148,400 (±$11,558)	$245,500 (±$18,262)	+65.4%	Up after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Three Oaks Township

Nearest places with a published estimate, compared with Three Oaks Township
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Three Oaks Township	—	$1,357 (±$90)	—
Chikaming Township	4.1 mi	$1,654 (±$189)	Higher
Galena Township	4.9 mi	$1,304 (±$157)	Not measurably different
New Buffalo Township	5.3 mi	$2,706 (±$641)	Higher
Galien Township	5.3 mi	$1,146 (±$77)	Lower
Hudson Township	5.8 mi	$1,215 (±$220)	Not measurably different
Shorewood-Tower Hills-Harbert	6.0 mi	$1,664 (±$434)	Not measurably different
Galien	6.1 mi	$1,063 (±$110)	Lower
New Buffalo	6.4 mi	$1,779 (±$358)	Higher

Nearby places with a measurably lower figure: Galien Township, MI ($1,146), Galien, MI ($1,063).

Nearby places with a measurably higher figure: Chikaming Township, MI ($1,654), New Buffalo Township, MI ($2,706), New Buffalo, MI ($1,779).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Berrien County, place by place

Rank	Place	Median monthly cost with a mortgage
11	Chikaming Township	$1,654 (±$189)
12	Oronoko Charter Township	$1,485 (±$124)
13	Weesaw Township	$1,447 (±$194)
14	Watervliet Township	$1,424 (±$261)
15	Buchanan Township	$1,410 (±$89)
16	Bainbridge Township	$1,408 (±$102)
17	Three Oaks Township	$1,357 (±$90)
18	Hagar Township	$1,353 (±$83)
19	Coloma Charter Township	$1,320 (±$231)
20	Bridgman	$1,301 (±$107)
21	Pipestone Township	$1,268 (±$123)
22	Buchanan	$1,233 (±$147)
23 (tie)	Watervliet	$1,232 (±$176)

Showing 13 of 30 places in Berrien County, ranked from highest to lowest.

The figures for Three Oaks Township include the places inside it that have pages of their own: Three Oaks.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Three Oaks Township

What is the average mortgage payment in Three Oaks Township?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Three Oaks Township, MI is $1,357 (±$90) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Three Oaks Township?

Owners without a mortgage in Three Oaks Township pay a median of $502 (±$63) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Three Oaks Township gone up?

In Three Oaks Township, the median monthly cost with a mortgage went from $1,194 in 2015–2019 to $1,357 in 2020–2024 (+13.7%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Three Oaks township, Berrien County, Michigan (county subdivision:79740, in state:26 county:021).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.