| ZIP Code | 46561 |
|---|---|
| City | Osceola |
| State | Indiana (IN) |
| County | St. Joseph County |
| Area Code | 574 |
| Elevation | 735 ft |
| Latitude | 41.66575 |
|---|---|
| Longitude | -86.071502 |
| Timezone | Indiana/Indianapolis (DST) |
| FIPS | 18141 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 38.4 yrs ↑ 6% since 2019 |
|---|---|
| Avg Household Size | 2.68 |
| Below Poverty | 10.8% ▲ 8% above avg |
| College Grads | 36.3% ≈ Avg |
| Unemployment | 1.9% ▼ 61% below avg |
| No HS Diploma | 48 (0.5%) |
| HS Graduate | 3,000 (33.2%) |
| Some College | 1,235 (13.7%) |
| Associates | 1,471 (16.3%) |
| Bachelors | 823 (9.1%) |
| Graduate Degree | 2,460 (27.2%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $83,520 ▲ 9% above avg ↑ 16% since 2019 |
|---|---|
| Median Home Value | $208,200 ▼ 25% below avg ↑ 33% since 2019 |
| Home/Income Ratio | 2.5x (nat avg ~3.5x) |
| Median Rent | $1,137/mo ↑ 28% since 2019 |
| Total Units | 5,580 |
| Vacant Units | 176 |
| Avg HH Size | 2.68 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 5,580 |
|---|---|
| Vacant | 176 |
| Owner Occupied | 85.9% |
| Renter Occupied | 14.1% |
| Avg HH Size | 2.68 |
ZIP code 46561 is located in Osceola, Indiana, within St. Joseph County. With a population of 14,499, this is a lightly populated ZIP code with a middle-aged community — the median age is 38.4 years. Economically, 46561 is a middle-income ZIP code: the median household income of $83,520 is near the national average.
Real estate in ZIP code 46561 represents an affordable housing market. The median home value of $208,200 is below the national average. Renters can expect to pay around $1,137 per month in median rent. Homeownership is strong here — 85.9% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 33% since 2019.
The population of 46561 is primarily White (86.77%). Residents are moderately educated — 36.3% hold a bachelor's degree or higher, which is near the national average. Poverty affects some residents at 10.8%. Household income has grown by 16% since 2019.
The unemployment rate in 46561 stands at 1.9%, which is well below the national average. As in most parts of the country, driving alone is the dominant commute mode at 80%.
Overall, ZIP code 46561 in Osceola, IN is characterized as middle-income, moderately educated, a middle-aged community, and predominantly owner-occupied. With 14,499 residents, a median household income of $83,520, and a median home value of $208,200, it offers a clear picture of life in this part of Indiana.