| ZIP Code | 46554 |
|---|---|
| City | North Liberty |
| State | Indiana (IN) |
| County | St. Joseph County |
| Area Code | 574 |
| Elevation | 721 ft |
| Latitude | 41.557413 |
|---|---|
| Longitude | -86.416992 |
| Timezone | Indiana/Indianapolis (DST) |
| FIPS | 18141 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 42.1 yrs ↓ 8% since 2019 |
|---|---|
| Avg Household Size | 2.50 |
| Below Poverty | 5.7% ▼ 43% below avg |
| College Grads | 38.8% ≈ Avg |
| Unemployment | 3.8% ▼ 23% below avg |
| No HS Diploma | 30 (1%) |
| HS Graduate | 1,171 (38%) |
| Some College | 385 (12.5%) |
| Associates | 301 (9.8%) |
| Bachelors | 364 (11.8%) |
| Graduate Degree | 834 (27%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $75,043 ≈ Avg ↑ 32% since 2019 |
|---|---|
| Median Home Value | $189,400 ▼ 32% below avg ↑ 34% since 2019 |
| Home/Income Ratio | 2.5x (nat avg ~3.5x) |
| Median Rent | $855/mo ↑ 42% since 2019 |
| Total Units | 1,817 |
| Vacant Units | 106 |
| Avg HH Size | 2.50 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 1,817 |
|---|---|
| Vacant | 106 |
| Owner Occupied | 90.7% |
| Renter Occupied | 9.3% |
| Avg HH Size | 2.50 |
ZIP code 46554 is located in North Liberty, Indiana, within St. Joseph County. With a population of 4,285, this is a lightly populated ZIP code with a middle-aged community — the median age is 42.1 years. Economically, 46554 is a middle-income ZIP code: the median household income of $75,043 is near the national average.
Real estate in ZIP code 46554 represents an affordable housing market. The median home value of $189,400 is below the national average. Renters can expect to pay around $855 per month in median rent. Homeownership is strong here — 90.7% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 34% since 2019.
The population of 46554 is primarily White (97.95%). Residents are moderately educated — 38.8% hold a bachelor's degree or higher, which is near the national average. Poverty affects a relatively small share of residents at 5.7%. Household income has grown by 32% since 2019.
The unemployment rate in 46554 stands at 3.8%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 85%.
Overall, ZIP code 46554 in North Liberty, IN is characterized as middle-income, moderately educated, a middle-aged community, and predominantly owner-occupied. With 4,285 residents, a median household income of $75,043, and a median home value of $189,400, it offers a clear picture of life in this part of Indiana.