| ZIP Code | 46514 |
|---|---|
| City | Elkhart |
| State | Indiana (IN) |
| County | Elkhart County |
| Area Code | 574 |
| Elevation | 766 ft |
| Latitude | 41.722679 |
|---|---|
| Longitude | -85.974999 |
| Timezone | Indiana/Indianapolis (DST) |
| FIPS | 18039 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 39.9 yrs |
|---|---|
| Avg Household Size | 2.50 |
| Below Poverty | 11.1% ▲ 11% above avg |
| College Grads | 29.8% ▼ 23% below avg |
| Unemployment | 3.1% ▼ 37% below avg |
| No HS Diploma | 364 (1.5%) |
| HS Graduate | 9,613 (38.7%) |
| Some College | 3,450 (13.9%) |
| Associates | 4,003 (16.1%) |
| Bachelors | 1,830 (7.4%) |
| Graduate Degree | 5,553 (22.4%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $61,784 ▼ 19% below avg ↑ 17% since 2019 |
|---|---|
| Median Home Value | $170,900 ▼ 39% below avg ↑ 29% since 2019 |
| Home/Income Ratio | 2.8x (nat avg ~3.5x) |
| Median Rent | $1,084/mo ↑ 26% since 2019 |
| Total Units | 17,987 |
| Vacant Units | 1,541 |
| Avg HH Size | 2.50 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 17,987 |
|---|---|
| Vacant | 1,541 |
| Owner Occupied | 72.1% |
| Renter Occupied | 27.9% |
| Avg HH Size | 2.50 |
ZIP code 46514 is located in Elkhart, Indiana, within Elkhart County. With a population of 41,480, this is a highly populated ZIP code with a middle-aged community — the median age is 39.9 years. Economically, 46514 is a solidly middle-class ZIP code: the median household income of $61,784 is below the national average.
Real estate in ZIP code 46514 represents an affordable housing market. The median home value of $170,900 is below the national average. Renters can expect to pay around $1,084 per month in median rent. Homeownership is strong here — 72.1% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 29% since 2019.
The population of 46514 is primarily White (73.92%). Residents are moderately educated — 29.8% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 11.1%. Household income has grown by 17% since 2019.
The unemployment rate in 46514 stands at 3.1%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 80%.
Overall, ZIP code 46514 in Elkhart, IN is characterized as solidly middle-class, moderately educated, a middle-aged community, and predominantly owner-occupied. With 41,480 residents, a median household income of $61,784, and a median home value of $170,900, it offers a clear picture of life in this part of Indiana.