PlainZIP

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
$65,833
Median income
$197,800
Median home value
20.3%
Bachelor's or higher

The verdict

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
43th 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.

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 Indiana average), while per-capita income is $33,541. Local economic indicators show a 11.5% poverty rate alongside 3.8% unemployment. The typical home here is valued at $197,800 (2% above the state average); renters pay a median of $1,113 monthly, and 72.0% of units 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. 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 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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 46514?

38.7

Median Age

48.5%

Male

51.5%

Female

9.2%

Foreign-Born

White 73.7%
African American 5.2%
Asian 0.9%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.9%
Hispanic or Latino 17.9%

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

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

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

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?

High School Graduate or Higher 59.4%
Bachelor's Degree or Higher 20.3%

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

Owner 72.0%
Renter 28.0%

$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 →

ZIP 46514 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 46514 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 46514 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
46516 Elkhart, IN 33,501 3.6 mi
46517 Elkhart, IN 23,764 6.9 mi
49112 Edwardsburg, MI 10,171 6.0 mi
46561 Osceola, IN 13,343 6.6 mi
49130 Union, MI 1,659 7.2 mi

More ZIP Codes in Elkhart County

46516 standard
Elkhart, IN
Pop: 33,501
46526 standard
Goshen, IN
Pop: 30,671
46528 standard
Goshen, IN
Pop: 26,104
46517 standard
Elkhart, IN
Pop: 23,764
46550 standard
Nappanee, IN
Pop: 12,311
46540 standard
Middlebury, IN
Pop: 11,702

Related Areas

Elkhart County Elkhart, IN Indiana

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.

Read our methodology to see how this data is sourced, computed, and verified.