Census tract · St. Joseph County
Census Tract 401, St. Joseph County, Michigan
Census Tract 401, GEOID 26149040100, in St. Joseph County, Michigan, mostly within Three Rivers (61% of its census blocks). 3,660 residents in the ACS 2020-2024 5-year estimates (±393); the 2020 Census counted 3,640.
Residents, 2020-2024
3,660
±393 (90% margin)
2020 Census count: 3,640
Median household income
$72,462
±$10,115 (90% margin)
St. Joseph County: $66,425
Median home value
$189,200
±$18,540 (90% margin)
St. Joseph County: $178,300
Median gross rent
$811
±$171 (90% margin)
St. Joseph County: $849
Where is Census Tract 401?
Census Tract 401 is one of 18 census tracts in St. Joseph County, Michigan. It covers 5.35 square miles of land, 681 residents per square mile in 2020. Its GEOID, 26149040100, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Three Rivers | 61% |
| Lockport Township | 32% |
| Fabius Township | 5% |
| Park Township, St. Joseph County | 3% |
5 census tracts border Census Tract 401: Tract 402 ($56,360), Tract 403 ($44,962), Tract 404 ($44,282), Tract 409 ($77,964) and Tract 411.02 ($95,952). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 401?
The 2020-2024 American Community Survey puts Census Tract 401's population at 3,660 (±393) in 1,359 households; the 2020 Census counted 3,640 residents and 1,485 housing units.
| Measure | Tract 401 | Three Rivers |
|---|---|---|
| Total population | 3,660 ±393 | 7,943 |
| Households | 1,359 ±118 | 3,293 |
| Average household size | 2.68 ±0.26 | 2.36 |
| Housing units | 1,464 ±118 | 3,561 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 401?
The median resident of Census Tract 401 is 34.3 years old; 29.3% are under 18 and 15.7% are 65 or older. The largest group is non-Hispanic white residents at 82.0%, then Hispanic or Latino residents (of any race) at 8.0%.
| Measure | Tract 401 | Three Rivers |
|---|---|---|
| Median age | 34.3 ±2.8 | 35.0 |
| Under 18 years | 29.3% ±3.9 pts | 25.5% |
| 65 years and over | 15.7% ±2.8 pts | 14.8% |
| Hispanic or Latino (any race) | 8.0% ±5.3 pts | 6.7% |
| White alone, not Hispanic | 82.0% ±6.5 pts | 77.8% |
| Black or African American alone, not Hispanic | 1.7% ±1.4 pts | 8.0% |
| Asian alone, not Hispanic | 1.0% ±1.2 pts | 0.6% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.8 pts | 0.2% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.8 pts | 0.0% |
| Two or more races, not Hispanic | 6.7% ±3.3 pts | 6.3% |
| Some other race alone, not Hispanic | 0.6% ±1.0 pts | 0.5% |
| Born outside the United States | 3.0% ±2.7 pts | 2.4% |
| Speak a language other than English at home (age 5+) | 8.5% ±5.8 pts | 5.3% |
| Civilian veterans (age 18+) | 6.4% ±3.0 pts | 7.1% |
| With a disability | 11.9% ±3.8 pts | 18.5% |
| No health insurance coverage | 4.1% ±2.8 pts | 8.7% |
| High school graduate or higher (age 25+) | 93.9% ±3.3 pts | 91.6% |
| Bachelor's degree or higher (age 25+) | 19.1% ±4.9 pts | 14.2% |
| Graduate or professional degree (age 25+) | 7.7% ±3.0 pts | 3.9% |
| Lived in the same house a year earlier | 86.2% ±6.6 pts | 81.1% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 401 earn?
Half of the 1,359 households in Census Tract 401 earn less than $72,462 a year (±$10,115), against $66,425 across St. Joseph County: 7th highest of the county's 18 tracts with a reliable estimate. 6.3% of residents live below the poverty line.
| Measure | Tract 401 | Three Rivers |
|---|---|---|
| Median household income | $72,462 ±$10,115 | $49,503 |
| Mean household income | $80,837 ±$7,802 | $61,005 |
| Per capita income | $31,845 ±$3,842 | $25,524 |
| People below the poverty line | 6.3% ±3.7 pts | 15.0% |
| Children under 18 below the poverty line | 4.1% ±5.1 pts | 22.4% |
| Households receiving SNAP | 9.1% ±5.9 pts | 24.0% |
| Households with a computer | 96.7% ±2.9 pts | 93.9% |
| Households with a broadband subscription | 87.2% ±5.6 pts | 92.0% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 401?
Owners occupy 81.3% of Census Tract 401's occupied homes and renters 18.7%. The median owner-occupied home is valued at $189,200 by its owner (±$18,540). The median renter pays $811 a month including utilities.
| Measure | Tract 401 | Three Rivers |
|---|---|---|
| Median home value (owner-occupied) | $189,200 ±$18,540 | $134,900 |
| Median gross rent | $811 ±$171 | $839 |
| Renters paying 35% or more of income on rent | 24.4% ±18.3 pts | 21.8% |
| Median monthly owner costs, with a mortgage | $1,476 ±$111 | $1,165 |
| Owner-occupied homes | 81.3% ±6.8 pts | 53.0% |
| Renter-occupied homes | 18.7% ±6.8 pts | 47.0% |
| Housing units | 1,464 ±118 | 3,561 |
| Single-family detached homes | 81.5% ±5.8 pts | 61.9% |
| Mobile homes | 1.3% ±1.9 pts | 2.9% |
| Built 2020 or later | 1.0% ±1.6 pts | 0.0% |
| Built 2010 to 2019 | 2.5% ±2.4 pts | 4.9% |
| Built 1939 or earlier | 43.4% ±8.4 pts | 42.0% |
| Households with no vehicle | 10.3% ±6.7 pts | 10.2% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 401 get to work?
88.5% of Census Tract 401's workers drive alone and 4.5% work from home. The average trip to work takes 19.2 minutes. The unemployment rate in 2020-2024 averaged 7.0%.
| Measure | Tract 401 | Three Rivers |
|---|---|---|
| In the labor force (age 16+) | 67.3% ±5.6 pts | 65.4% |
| Unemployment rate | 7.0% ±4.3 pts | 10.2% |
| Drove alone to work | 88.5% ±5.1 pts | 75.0% |
| Carpooled | 4.2% ±2.8 pts | 14.4% |
| Public transportation | 2.0% ±2.3 pts | 1.0% |
| Walked | 0.8% ±1.2 pts | 3.7% |
| Worked from home | 4.5% ±2.3 pts | 3.9% |
| Mean travel time to work | 19.2 min ±2.6 | 18.6 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 401 compare with the other tracts in St. Joseph County?
Among St. Joseph County's tracts with a reliable estimate, Census Tract 401 ranks as shown below (1 = highest).
| Measure | In St. Joseph County | In Three Rivers |
|---|---|---|
| Population | 6th of 18 | 1st of 5 |
| Residents per square mile | 7th of 18 | 3rd of 5 |
| Median household income | 7th of 18 | 2nd of 5 |
| Per capita income | 9th of 18 | 2nd of 5 |
| Median home value | 6th of 18 | 2nd of 5 |
| Median gross rent | 12th of 18 | 3rd of 5 |
| Poverty rate | 14th of 16 | 3rd of 3 |
| Bachelor's degree or higher | 7th of 18 | 2nd of 5 |
| Median age | 16th of 18 | 4th of 5 |
| Owner-occupied share | 8th of 18 | 2nd of 5 |
The tracts next to it on St. Joseph County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 409 | 4th | $77,964±$8,257 · within the margin of this tract |
| Tract 410 | 5th | $73,988±$9,787 · within the margin of this tract |
| Tract 411.01 | 6th | $73,418±$5,270 · within the margin of this tract |
| Tract 401 | 7th | $72,462±$10,115 |
| Tract 408 | 8th | $71,480±$10,282 · within the margin of this tract |
| Tract 414 | 9th | $70,677±$15,400 · within the margin of this tract |
| Tract 416 | 10th | $66,957±$9,416 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 401?
3 of the 18 figures for Census Tract 401 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections