| ZIP Code | 46635 |
|---|---|
| City | South Bend |
| State | Indiana (IN) |
| County | St. Joseph County |
| Area Code | 574 |
| Elevation | 784 ft |
| Latitude | 41.714357 |
|---|---|
| Longitude | -86.201743 |
| Timezone | Indiana/Indianapolis (DST) |
| FIPS | 18141 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 43.0 yrs ↓ 9% since 2019 |
|---|---|
| Avg Household Size | 2.40 |
| Below Poverty | 3.4% ▼ 66% below avg |
| College Grads | 50.1% ▲ 29% above avg |
| Unemployment | 7.5% ▲ 53% above avg |
| No HS Diploma | 90 (2.2%) |
| HS Graduate | 978 (23.4%) |
| Some College | 404 (9.7%) |
| Associates | 616 (14.7%) |
| Bachelors | 357 (8.5%) |
| Graduate Degree | 1,741 (41.6%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $79,416 ≈ Avg ↑ 31% since 2019 |
|---|---|
| Median Home Value | $193,100 ▼ 31% below avg ↑ 45% since 2019 |
| Home/Income Ratio | 2.4x (nat avg ~3.5x) |
| Median Rent | $942/mo ↑ 50% since 2019 |
| Total Units | 2,913 |
| Vacant Units | 234 |
| Avg HH Size | 2.40 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 2,913 |
|---|---|
| Vacant | 234 |
| Owner Occupied | 78.7% |
| Renter Occupied | 21.3% |
| Avg HH Size | 2.40 |
ZIP code 46635 is located in South Bend, Indiana, within St. Joseph County. With a population of 6,552, this is a lightly populated ZIP code with a middle-aged community — the median age is 43 years. Economically, 46635 is a middle-income ZIP code: the median household income of $79,416 is near the national average.
Real estate in ZIP code 46635 represents an affordable housing market. The median home value of $193,100 is below the national average. Renters can expect to pay around $942 per month in median rent. Homeownership is strong here — 78.7% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 45% since 2019.
The population of 46635 is primarily White (83.97%). Residents are well-educated — 50.1% hold a bachelor's degree or higher, which is above the national average. Poverty affects a relatively small share of residents at 3.4%. Household income has grown by 31% since 2019.
The unemployment rate in 46635 stands at 7.5%, which is significantly above the national average. As in most parts of the country, driving alone is the dominant commute mode at 80%.
Overall, ZIP code 46635 in South Bend, IN is characterized as middle-income, well-educated, a middle-aged community, and predominantly owner-occupied. With 6,552 residents, a median household income of $79,416, and a median home value of $193,100, it offers a clear picture of life in this part of Indiana.