| ZIP Code | 46545 |
|---|---|
| City | Mishawaka |
| State | Indiana (IN) |
| County | St. Joseph County |
| Area Code | 574 |
| Elevation | 745 ft |
| Latitude | 41.693491 |
|---|---|
| Longitude | -86.146569 |
| Timezone | Indiana/Indianapolis (DST) |
| FIPS | 18141 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 38.4 yrs ↑ 3% since 2019 |
|---|---|
| Avg Household Size | 2.18 |
| Below Poverty | 11.3% ▲ 13% above avg |
| College Grads | 40.0% ≈ Avg |
| Unemployment | 5.3% ▲ 9% above avg |
| No HS Diploma | 135 (0.8%) |
| HS Graduate | 4,863 (28.5%) |
| Some College | 2,440 (14.3%) |
| Associates | 2,794 (16.4%) |
| Bachelors | 1,448 (8.5%) |
| Graduate Degree | 5,364 (31.5%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $55,889 ▼ 27% below avg ↑ 32% since 2019 |
|---|---|
| Median Home Value | $174,700 ▼ 37% below avg ↑ 44% since 2019 |
| Home/Income Ratio | 3.1x (nat avg ~3.5x) |
| Median Rent | $986/mo ↑ 26% since 2019 |
| Total Units | 13,046 |
| Vacant Units | 1,198 |
| Avg HH Size | 2.18 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 13,046 |
|---|---|
| Vacant | 1,198 |
| Owner Occupied | 49.4% |
| Renter Occupied | 50.6% |
| Avg HH Size | 2.18 |
ZIP code 46545 is located in Mishawaka, Indiana, within St. Joseph County. With a population of 26,581, this is a moderately populated ZIP code with a middle-aged community — the median age is 38.4 years. Economically, 46545 is a solidly middle-class ZIP code: the median household income of $55,889 is below the national average.
Real estate in ZIP code 46545 represents an affordable housing market. The median home value of $174,700 is below the national average. Renters can expect to pay around $986 per month in median rent. The area has a relatively balanced mix of owners (49.4%) and renters (50.6%). Median home values have increased by 44% since 2019.
The population of 46545 is primarily White (77.73%). Residents are moderately educated — 40.0% hold a bachelor's degree or higher, which is near the national average. Poverty affects some residents at 11.3%. Household income has grown by 32% since 2019.
The unemployment rate in 46545 stands at 5.3%, which is near the national average. As in most parts of the country, driving alone is the dominant commute mode at 75%.
Overall, ZIP code 46545 in Mishawaka, IN is characterized as solidly middle-class, moderately educated, and a middle-aged community. With 26,581 residents, a median household income of $55,889, and a median home value of $174,700, it offers a clear picture of life in this part of Indiana.