| ZIP Code | 46544 |
|---|---|
| City | Mishawaka |
| State | Indiana (IN) |
| County | St. Joseph County |
| Area Code | 574 |
| Elevation | 855 ft |
| Latitude | 41.615165 |
|---|---|
| Longitude | -86.128266 |
| Timezone | Indiana/Indianapolis (DST) |
| FIPS | 18141 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 35.0 yrs ↓ 7% since 2019 |
|---|---|
| Avg Household Size | 2.45 |
| Below Poverty | 17.7% ▲ 77% above avg |
| College Grads | 35.6% ▼ 8% below avg |
| Unemployment | 7.9% ▲ 61% above avg |
| No HS Diploma | 204 (1.1%) |
| HS Graduate | 6,880 (35.4%) |
| Some College | 2,856 (14.7%) |
| Associates | 2,579 (13.3%) |
| Bachelors | 1,808 (9.3%) |
| Graduate Degree | 5,097 (26.2%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $57,873 ▼ 24% below avg ↑ 18% since 2019 |
|---|---|
| Median Home Value | $151,100 ▼ 46% below avg ↑ 36% since 2019 |
| Home/Income Ratio | 2.6x (nat avg ~3.5x) |
| Median Rent | $1,018/mo ↑ 35% since 2019 |
| Total Units | 13,661 |
| Vacant Units | 1,051 |
| Avg HH Size | 2.45 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 13,661 |
|---|---|
| Vacant | 1,051 |
| Owner Occupied | 66.4% |
| Renter Occupied | 33.6% |
| Avg HH Size | 2.45 |
ZIP code 46544 is located in Mishawaka, Indiana, within St. Joseph County. With a population of 31,138, this is a moderately populated ZIP code with a relatively young community — the median age is 35 years. Economically, 46544 is a solidly middle-class ZIP code: the median household income of $57,873 is below the national average.
Real estate in ZIP code 46544 represents an affordable housing market. The median home value of $151,100 is below the national average. Renters can expect to pay around $1,018 per month in median rent. Homeownership is strong here — 66.4% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 36% since 2019.
The population of 46544 is primarily White (79.17%). Residents are moderately educated — 35.6% hold a bachelor's degree or higher, which is near the national average. Poverty affects some residents at 17.7%. Household income has grown by 18% since 2019.
The unemployment rate in 46544 stands at 7.9%, which is significantly above the national average. As in most parts of the country, driving alone is the dominant commute mode at 78%.
Overall, ZIP code 46544 in Mishawaka, IN is characterized as solidly middle-class, moderately educated, a relatively young community, and predominantly owner-occupied. With 31,138 residents, a median household income of $57,873, and a median home value of $151,100, it offers a clear picture of life in this part of Indiana.