Elkhart, IN · standard
ZIP Code 46514
Elkhart County, Indiana - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 40,263
- 403/sq mi High-density area
- $65,833
- Median income Near-median income area
- $197,800
- Median home value Near-median home value
- 20.3%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Elkhart pairs a below-median household income with below-median home values, in a low-density, homeowner-dominated area.
- 40th pct
- household income, US ZIPs
- 43rd pct
- home value, US ZIPs
- 403
- people per sq mi
- 72%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46514 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 46514 (Elkhart, IN) rose +5.4% from 2023 to 2024. The all-transactions index moved from 203.8 in 2023 to 214.8 in 2024 (2000 = 100).
ZIP code 46514 is a densely settled ZIP (a standard USPS delivery area) in Elkhart, Elkhart County, Indiana, with 40,263 residents across 99.8 square miles, a density of 403 people per square mile, in the Indiana/Indianapolis time zone.
ZIP 46514 reports a modest median household income of $65,833 (11% below the average Indiana ZIP), while per-capita income is $33,541. The poverty rate is 11.5%, with unemployment at 3.8%; those measures add context to the income figure. Median home value is $197,800 (2% above the average Indiana ZIP) and median rent is $1,113; 72.0% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 20.3% of adults hold a bachelor's degree or higher, the median age is 38.7, and the average commute is 21 minutes. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in Elkhart County, so 46514 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 46514
Top 5 sectors by establishment count in Elkhart, IN
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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, 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; 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 ZIP avg
$33,541
Per Capita Income
11.5%
Poverty Rate
3.8%
Unemployment Rate
20.9 min
Mean Commute Time
How ZIP 46514 ranks nationally
Elkhart, IN household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$65,833 40th percentile higher than 40% of 30,318 US ZIPs
Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
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?
Housing stock: occupied vs vacant
18,002housing units
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 ZIP avg
$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 →
ZIP 46514 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46514
Elkhart (46514)
40,263 residents
- 46516
Elkhart (46516)
33,501 residents
- 46517
Elkhart (46517)
23,764 residents
- 46561 13,343
Osceola (46561)
13,343 residents
- 49112 10,171
Edwardsburg (49112)
10,171 residents
- 49130 1,659
Union (49130)
1,659 residents
What this shows Among its immediate neighbors, ZIP 46514 ranks the most populous - useful context the national average alone can't give.
ZIP 46514 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46561
Osceola (46561)
$91,711 median income
- 49130
Union (49130)
$76,667 median income
- 46514
Elkhart (46514)
$65,833 median income
- 49112
Edwardsburg (49112)
$61,785 median income
- 46517
Elkhart (46517)
$56,772 median income
- 46516
Elkhart (46516)
$56,492 median income
What this shows By household income, ZIP 46514 ranks #3 of 6 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 46514, both outside IN so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (40,263 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Elkhart County
Related Areas
Frequently Asked Questions
What county is ZIP code 46514 in?
ZIP code 46514 (Elkhart) is located in Elkhart County, Indiana. Elkhart County contains multiple ZIP codes, see the full list at /counties/elkhart-in.
What is the population of ZIP code 46514?
ZIP code 46514 in Elkhart, IN has a population of 40,263 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46514?
The median household income in ZIP 46514 is $65,833, which is 14% below the national average of $76,288.
What is the average home value in ZIP 46514?
The median home value in ZIP 46514 is $197,800, which is 29% below the national average of $278,155.
What is the demographic makeup of ZIP 46514?
The largest racial group in ZIP 46514 is White at 73.7%. Hispanic or Latino residents make up 17.9% of the population.
How many businesses are in ZIP code 46514?
ZIP code 46514 has 1,129 business establishments employing approximately 30,665 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46514?
The top industries by establishment count in ZIP 46514 are: Manufacturing (189), Retail trade (170), Accommodation and food services (130). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 46514?
According to the FHFA House Price Index, home values in ZIP 46514 increased by 5.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 115%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 46514?
In ZIP code 46514, 59.4% of residents aged 25+ have a high school diploma or higher, and 20.3% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 46514?
The mean commute time for workers in ZIP code 46514 is 20.9 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 46514?
In ZIP code 46514, approximately 72.0% of occupied housing units are owner-occupied and 28.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46514?
The poverty rate in ZIP code 46514 is 11.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 46514's numbers, next.
- See how ZIP 46514 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Elkhart, IN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.