What are the schools like in Three Oaks, MI?

Three Oaks is served primarily by River Valley School District. The district operates 1 elementary schools, several middle schools, and 1 high schools with a student-to-teacher ratio of 11.3:1.

What is the median household income in Three Oaks?

The median household income in Three Oaks, MI is $57,083 according to the most recent US Census American Community Survey 5-year estimates. The unemployment rate is 4.7%.

What is the weather like in Three Oaks, MI?

Three Oaks has an average high temperature of 31.2°F in January and 82.1°F in July. Annual precipitation averages 42.6 inches and annual snowfall averages 62.1 inches.

Three Oaks, MI Cost of Living, Crime & Is It a Good Place to Live? (2026)

Q: Is Three Oaks, MI affordable or expensive?

Three Oaks's cost of living index is 95, where 100 represents the national average. This means Three Oaks is 5% less expensive than the average US city. The median home value is $164,100 and the median rent is $1,013 per month.

Q: What is the crime rate in Three Oaks, MI?

Three Oaks has a violent crime rate of 144.8 incidents per 100,000 residents and a property crime rate of 506.9 per 100,000. The national average violent crime rate is approximately 380 per 100,000.

Is Three Oaks, MI a Good Place to Live?

Three Oaks is a small town of 1,207 in Michigan, with a median household income of $57,083 and a 4.7% unemployment rate. Its cost of living index is 95 (US average = 100), which is 5% below the national average.

Strengths: Three Oaks stands out for an affordable cost of living, below-average home prices, lower-than-average crime, solid school ratings (B+), short average commutes.

Trade-offs: No major red flags stand out in the available data. Whether Three Oaks is right for you depends on your priorities — the full breakdown is below.

All Three Oaks city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.

Cost of Living

Index: 95.4

Three Oaks's overall cost of living index is 95.4, where 100 represents the US national average. Living in Three Oaks costs roughly 5% less than the average American city.

Metric	Three Oaks, MI	National Avg
Median Home Value	$164,100	$244,900
Median Monthly Rent	$1,013	$1,163
Homeownership Rate	68.4%	65.9%
Median Household Income	$57,083	$74,755

Crime & Safety

Very Safe

Three Oaks's violent crime rate is 144.8 per 100,000 residents — 62% lower than the national average of ~380 per 100,000.

Violent Crime

144.8 /100k

Property Crime

506.9 /100k

Vertical marker = national average. Source: FBI UCR Program.

Schools & Education

Three Oaks is served primarily by River Valley School District. The student-to-teacher ratio is 11.3:1 (better than the national average of ~16:1).

Metric	Three Oaks, MI	National Avg
School District	River Valley School District	—
Elementary Schools	1	—
Middle Schools	N/A	—
High Schools	1	—
Student/Teacher Ratio	11.3:1	16:1
Bachelor's Degree or Higher	21.0%	35.4%
High School Diploma or Higher	92.4%	91.1%

Weather & Climate

Three Oaks sees average highs of 31.2°F in January and 82.1°F in July, with 42.6 inches of annual precipitation and 62.1 inches of snow per year.

Metric	Three Oaks, MI
Average High — January	31.2°F
Average High — July	82.1°F
Annual Precipitation	42.6"
Annual Snowfall	62.1"

Demographics

Metric	Three Oaks, MI	National Avg
Population	1,207	—
Median Age	40.4	38.9
Unemployment Rate	4.7%	3.7%
Avg Commute Time	23.4 min	26 min
White (non-Hispanic)	66.1%	59.3%
Black or African American	0.4%	13.6%
Hispanic or Latino	30.2%	18.9%
Asian	1.5%	6.3%
Under 18	27.3%	22.2%
65 and over	13.7%	16.8%

Nearby Cities

Saugany Lake, IN 5 mi Shorewood-Tower Hills-Harbert, MI 6 mi Galien, MI 6 mi New Buffalo, MI 7 mi New Troy, MI 7 mi

ZIP Codes in Three Oaks

Three Oaks, MI is covered by 1 ZIP code:

49128

Three Oaks vs Other Cities

Three Oaks, MI vs Saugany Lake, IN Three Oaks, MI vs Shorewood-Tower Hills-Harbert, MI Three Oaks, MI vs Galien, MI Three Oaks, MI vs New Buffalo, MI Three Oaks, MI vs New Troy, MI

Frequently Asked Questions

Is Three Oaks, MI affordable or expensive?

Three Oaks's cost of living index is 95, where 100 is the national average. That makes Three Oaks roughly 5% less expensive than a typical US city — a meaningful affordability advantage. The median home price is $164,100 and median rent is $1,013/month.

What is the crime rate in Three Oaks, MI?

Three Oaks's violent crime rate is 144.8 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 506.9 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.

What are the schools like in Three Oaks?

Public schools in Three Oaks are operated by River Valley School District. The district has 1 elementary, several middle, and 1 high schools. The student-to-teacher ratio is 11.3:1. 21.0% of adults 25+ hold a bachelor's degree or higher.

Is Three Oaks, MI a good place to live?

Three Oaks, MI has a population of 1,207, a median household income of $57,083, and an unemployment rate of 4.7%. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.

What is the weather like in Three Oaks?

Three Oaks averages 31.2°F in January and 82.1°F in July. Annual rainfall is 42.6 inches with about 62.1 inches of snow per year. Based on NOAA 30-year climate normals (1991–2020).

What ZIP codes are in Three Oaks?

Three Oaks, MI is covered by 1 ZIP code: 49128.

What is the population of Three Oaks?

The population of Three Oaks, Michigan is 1,207 with a median age of 40.4. Source: US Census ACS 5-Year Estimates.

What are the pros and cons of living in Three Oaks?

Key numbers for living in Three Oaks: cost of living index 95 (100 = US average), median home $164,100, median household income $57,083, crime index 33 (100 = US average, lower is safer), schools rated B+. Whether these are benefits or drawbacks depends on where you're coming from — compare Three Oaks side by side with your current city to see the trade-offs.