| ZIP Code | 46628 |
|---|---|
| City | South Bend |
| State | Indiana (IN) |
| County | St. Joseph County |
| Area Code | 574 |
| Elevation | 786 ft |
| Latitude | 41.720236 |
|---|---|
| Longitude | -86.32023 |
| Timezone | Indiana/Indianapolis (DST) |
| FIPS | 18141 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 36.3 yrs ↓ 2% since 2019 |
|---|---|
| Avg Household Size | 2.55 |
| Below Poverty | 21.3% ▲ 113% above avg |
| College Grads | 36.7% ≈ Avg |
| Unemployment | 3.9% ▼ 19% below avg |
| No HS Diploma | 239 (1.4%) |
| HS Graduate | 5,519 (31.5%) |
| Some College | 2,588 (14.8%) |
| Associates | 2,763 (15.8%) |
| Bachelors | 1,815 (10.3%) |
| Graduate Degree | 4,614 (26.3%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $56,889 ▼ 25% below avg ↑ 26% since 2019 |
|---|---|
| Median Home Value | $164,500 ▼ 41% below avg ↑ 46% since 2019 |
| Home/Income Ratio | 2.9x (nat avg ~3.5x) |
| Median Rent | $1,068/mo ↑ 32% since 2019 |
| Total Units | 12,266 |
| Vacant Units | 1,395 |
| Avg HH Size | 2.55 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 12,266 |
|---|---|
| Vacant | 1,395 |
| Owner Occupied | 68.8% |
| Renter Occupied | 31.2% |
| Avg HH Size | 2.55 |
ZIP code 46628 is located in South Bend, Indiana, within St. Joseph County. With a population of 27,929, this is a moderately populated ZIP code with a relatively young community — the median age is 36.3 years. Economically, 46628 is a solidly middle-class ZIP code: the median household income of $56,889 is below the national average.
Real estate in ZIP code 46628 represents an affordable housing market. The median home value of $164,500 is below the national average. Renters can expect to pay around $1,068 per month in median rent. Homeownership is strong here — 68.8% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 46% since 2019.
The population of 46628 is majority White (54.55%). Residents are moderately educated — 36.7% hold a bachelor's degree or higher, which is near the national average. Poverty affects a significant share of residents at 21.3%. Household income has grown by 26% since 2019.
The unemployment rate in 46628 stands at 3.9%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 73%.
Overall, ZIP code 46628 in South Bend, IN is characterized as solidly middle-class, moderately educated, a relatively young community, and predominantly owner-occupied. With 27,929 residents, a median household income of $56,889, and a median home value of $164,500, it offers a clear picture of life in this part of Indiana.