ZIP Code 46514
standardSource:
Elkhart · Elkhart County · Indiana
- Population
- 40,263
- Median income
- $65,833
- Median home value
- $197,800
- Bachelor's or higher
- 20.3%
- Land area
- 99.8 sq mi
403/sq mi
▼ 14% vs US
higher than 40% of US ZIPs
▼ 29% vs US
higher than 43% of US ZIPs
Median age 38.7
Indiana/Indianapolis
ZIP code 46514 in Elkhart, Indiana has a population of 40,263. The median household income is $65,833, which is 14% below the national average. Median home value is $197,800, 29% below the US average. 20.3% of residents hold a bachelor's degree or higher.
ZIP code 46514 is classified by USPS as a standard delivery area and covers roughly 99.8 square miles in Elkhart, Elkhart County, Indiana. The area is home to 40,263 residents, producing a population density of 403 people per square mile, and falls within the Indiana/Indianapolis time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 46514 against Indiana and the nation.
On the economic side, the median household income for ZIP 46514 sits at $65,833 (11% below the Indiana average), while per-capita income is $33,541. The poverty rate stands at 11.5% and the unemployment rate at 3.8%. On housing, the median home value is $197,800 (2% above the state average) with median rent at $1,113 per month, and 72.0% of occupied units are owner-occupied, a direct signal of whether 46514 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 20.3% of adults hold a bachelor's degree or higher, the median age is 38.7, and the average commute is 21 minutes. We also surface 5 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Elkhart County, so you can benchmark 46514 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 46514
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 46514.
- Manufacturing
Manufacturing
189 establishments
- Retail trade
Retail trade
170 establishments
- Accommodation and food services
Accommodation and food services
130 establishments
- Other services (except public administration)
Other services (except public administration)
121 establishments
- Wholesale trade
Wholesale trade
113 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 46514, Elkhart, IN · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
40,263
Population
99.8
Area (sq mi)
403
People / sq mi
Indiana/Indianapolis
Time Zone
standard
ZIP Type
Who lives in ZIP 46514?
38.7
Median Age
48.5%
Male
51.5%
Female
9.2%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$65,833
Median Household Income
-11% vs state
$33,541
Per Capita Income
11.5%
Poverty Rate
3.8%
Unemployment Rate
20.9 min
Mean Commute Time
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
18,002
Total Housing Units
16,298
Occupied Units
1,704
Vacant Units
2.59
Avg Household Size
Occupancy Type
$197,800
Median Home Value
+2% vs state
$1,113
Median Rent
1977
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+5.4%
YoY Change (2024)
215
HPI Index (2000 = 100)
+115%
Total Change Since 2000
Home values in ZIP 46514 have increased 5.4% over the past year (2024). Since 2000, this ZIP has seen +115% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +6.4% | 149 |
| 2021 | +10.6% | 164 |
| 2022 | +15.4% | 190 |
| 2023 | +7.5% | 204 |
| 2024 | +5.4% | 215 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 1,129 business establishments in ZIP 46514, employing approximately 30,665 people with a combined annual payroll of $1,888,351,000.
1,129
Businesses
30,665
Employees
$1.9B
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Manufacturing | 189 | 16.7% |
| Retail trade | 170 | 15.1% |
| Accommodation and food services | 130 | 11.5% |
| Other services (except public administration) | 121 | 10.7% |
| Wholesale trade | 113 | 10.0% |
| Health care and social assistance | 95 | 8.4% |
| Administrative and support and waste management and remediation services | 58 | 5.1% |
| Construction | 57 | 5.0% |
| Professional, scientific, and technical services | 53 | 4.7% |
| Finance and insurance | 42 | 3.7% |
| Real estate and rental and leasing | 42 | 3.7% |
| Transportation and warehousing | 32 | 2.8% |
| Information | 7 | 0.6% |
| Educational services | 7 | 0.6% |
| Management of companies and enterprises | 6 | 0.5% |
| Arts, entertainment, and recreation | 6 | 0.5% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 46514 vs 46516 →
More ZIP Codes in Elkhart County
Related Areas
Frequently Asked Questions
What county is ZIP code 46514 in? ▼
What is the population of ZIP code 46514? ▼
What is the median household income in ZIP 46514? ▼
What is the average home value in ZIP 46514? ▼
What is the demographic makeup of ZIP 46514? ▼
How many businesses are in ZIP code 46514? ▼
What are the main industries in ZIP code 46514? ▼
How have home values changed in ZIP code 46514? ▼
What is the education level in ZIP code 46514? ▼
What is the average commute time in ZIP 46514? ▼
What percentage of residents own vs. rent in ZIP 46514? ▼
What is the poverty rate in ZIP code 46514? ▼
ZIP Code Research Guides
Official Data Resources for Elkhart, IN
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.