Neighborhood Scorecard

Source:

46628 — South Bend, IN

The neighborhood scorecard for ZIP 46628 in South Bend, IN blends seven federal datasets into a single letter grade of C (59/100). The underlying inputs pulled for this ZIP include a median household income of $61,759, a median home value of $182,200, 25.4% of adults with a bachelor's degree or higher, and an average commute of 20 minutes. Every value comes directly from Census ACS 5-Year Estimates tied to ZIP 46628, not a national average mapped onto the ZIP.

Cross-agency inputs extend the score beyond Census demographics. If any of these feeds is missing for 46628, the scorecard transparently drops that dimension rather than inventing a score.

Reading the grade means reading the dimensions together. The overall C score for 46628 reflects a weighted blend — Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%) — and each dimension is benchmarked against national percentiles rather than in-state-only comparisons. Strengths visible in the raw data include housing, commute. Areas pulling the overall grade down are education. The 6 nearby ZIP codes listed below provide immediate geographic context — two adjacent ZIPs can land several grade letters apart due to school-district boundaries, zoning, and commute arteries.

C
Overall Score
59/100
46628 — South Bend, IN
Income D
$61,759
Median household income
Education D
25.4%
Bachelor's degree or higher
Housing B-
3.0x
Home value $182,200 vs income
Commute B
20 min
Average commute time
Rent B-
$1,292/mo
2BR fair market rent (25% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare N/A
N/A
Center-based infant care cost

Score Breakdown

Income

D
$61,759

Median household income

Score: 50/100

Education

D
25.4%

Bachelor's degree or higher

Score: 40/100

Housing

B-
3.0x

Home value $182,200 vs income

Score: 70/100

Commute

B
20 min

Average commute time

Score: 73/100

Rent

B-
$1,292/mo

2BR fair market rent (25% of income)

Score: 65/100

Safety

N/A
N/A

Violent crime rate (county)

Childcare

N/A
N/A

Center-based infant care cost

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What This Means

South Bend, IN (46628) receives an overall grade of C based on publicly available data from the Census Bureau, HUD, FBI, and Department of Labor. Data was unavailable for safety, childcare — these dimensions were excluded from the overall score.

Nearby ZIP Scorecards

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Full ZIP Code Data
Demographics, housing, income, and more for 46628
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Frequently Asked Questions

What is the overall score for ZIP 46628?
ZIP 46628 (South Bend, IN) has an overall neighborhood score of 59/100, earning a grade of C. This score combines 7 dimensions: income, education, housing affordability, commute, rent, safety, and childcare costs.
Is 46628 a good place to live?
Based on Census, HUD, FBI, and DOL data, 46628 scores C overall. Strengths include housing, commute. Areas that score lower: education.
How is the neighborhood scorecard calculated?
The scorecard evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing affordability (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national benchmarks to produce a percentile score.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL Childcare Costs. Verify with HUD →