| ZIP Code | 46637 |
|---|---|
| City | South Bend |
| State | Indiana (IN) |
| County | St. Joseph County |
| Area Code | 574 |
| Elevation | 726 ft |
| Latitude | 41.733712 |
|---|---|
| Longitude | -86.242693 |
| Timezone | Indiana/Indianapolis (DST) |
| FIPS | 18141 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 39.0 yrs ↑ 11% since 2019 |
|---|---|
| Avg Household Size | 2.17 |
| Below Poverty | 9.5% ≈ Avg |
| College Grads | 48.9% ▲ 26% above avg |
| Unemployment | 6.2% ▲ 26% above avg |
| No HS Diploma | 40 (0.4%) |
| HS Graduate | 2,330 (22.2%) |
| Some College | 1,183 (11.3%) |
| Associates | 1,821 (17.3%) |
| Bachelors | 1,214 (11.6%) |
| Graduate Degree | 3,919 (37.3%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $72,401 ≈ Avg ↑ 20% since 2019 |
|---|---|
| Median Home Value | $192,000 ▼ 31% below avg ↑ 45% since 2019 |
| Home/Income Ratio | 2.7x (nat avg ~3.5x) |
| Median Rent | $1,167/mo ↑ 24% since 2019 |
| Total Units | 8,396 |
| Vacant Units | 1,120 |
| Avg HH Size | 2.17 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 8,396 |
|---|---|
| Vacant | 1,120 |
| Owner Occupied | 69.1% |
| Renter Occupied | 30.9% |
| Avg HH Size | 2.17 |
ZIP code 46637 is located in South Bend, Indiana, within St. Joseph County. With a population of 16,079, this is a moderately populated ZIP code with a middle-aged community — the median age is 39 years. Economically, 46637 is a solidly middle-class ZIP code: the median household income of $72,401 is near the national average.
Real estate in ZIP code 46637 represents an affordable housing market. The median home value of $192,000 is below the national average. Renters can expect to pay around $1,167 per month in median rent. Homeownership is strong here — 69.1% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 45% since 2019.
The population of 46637 is primarily White (71.47%). Residents are well-educated — 48.9% hold a bachelor's degree or higher, which is above the national average. Poverty affects a relatively small share of residents at 9.5%. Household income has grown by 20% since 2019.
The unemployment rate in 46637 stands at 6.2%, which is above the national average. As in most parts of the country, driving alone is the dominant commute mode at 79%.
Overall, ZIP code 46637 in South Bend, IN is characterized as solidly middle-class, well-educated, a middle-aged community, and predominantly owner-occupied. With 16,079 residents, a median household income of $72,401, and a median home value of $192,000, it offers a clear picture of life in this part of Indiana.