PlainZIP

Goshen, IN · standard

ZIP Code 46528

Elkhart County, Indiana - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

26,104
142/sq mi
$81,529
Median income
$247,600
Median home value
23.3%
Bachelor's or higher

The verdict

Goshen pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.

Top 36%
household income, US ZIPs
Top 43%
home value, US ZIPs
142
people per sq mi
80%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46528 against every reporting US ZIP.

ZIP code 46528 is a densely settled ZIP (a standard USPS delivery area) in Goshen, Elkhart County, Indiana, with 26,104 residents across 183.6 square miles, a density of 142 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46528 lands in the middle-income range, with a median household income of $81,529 (11% above the Indiana average), while per-capita income is $33,525. Local economic indicators show a 10.9% poverty rate alongside 3.6% unemployment. On housing, the median home value is $247,600 (28% above the state average) with median rent at $1,051 per month, and 80.3% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 23.3% of adults hold a bachelor's degree or higher, the median age is 32.2, and the average commute is 18 minutes. A geography-based comparison follows: 5 ZIP codes within about 10 miles of 46528, plus 6 more within Elkhart County, give a clearer read than the 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 46528

Top 5 sectors by establishment count in Goshen, IN

Which industries have the most business establishments in ZIP 46528.

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 46528, Goshen, 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

26,104

Population

183.6

Area (sq mi)

142

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 46528?

32.2

Median Age

49.7%

Male

50.3%

Female

8.6%

Foreign-Born

White 79.5%
African American 1.1%
Asian 0.3%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 7.9%
Hispanic or Latino 21.7%

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?

$81,529

Median Household Income

+11% vs state

$33,525

Per Capita Income

10.9%

Poverty Rate

3.6%

Unemployment Rate

17.9 min

Mean Commute Time

How ZIP 46528 ranks nationally

Goshen, IN household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$81,529 Top 36% higher than 64% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 54.7%
Bachelor's Degree or Higher 23.3%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

8,476

Total Housing Units

7,880

Occupied Units

596

Vacant Units

3.29

Avg Household Size

Occupancy Type

Owner 80.3%
Renter 19.7%

$247,600

Median Home Value

+28% vs state

$1,051

Median Rent

1983

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

+0.4%

YoY Change (2024)

211

HPI Index (2000 = 100)

+111%

Total Change Since 2000

Home values in ZIP 46528 have increased 0.4% over the past year (2024). Since 2000, this ZIP has seen +111% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.8% 150
2021 +14.6% 172
2022 +14.1% 196
2023 +7.1% 210
2024 +0.4% 211

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 471 business establishments in ZIP 46528, employing approximately 8,799 people with a combined annual payroll of $486,372,000.

471

Businesses

8,799

Employees

$486.4M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Construction 83 17.6%
Manufacturing 73 15.5%
Other services (except public administration) 64 13.6%
Retail trade 38 8.1%
Health care and social assistance 37 7.9%
Transportation and warehousing 32 6.8%
Professional, scientific, and technical services 31 6.6%
Wholesale trade 25 5.3%
Administrative and support and waste management and remediation services 25 5.3%
Finance and insurance 15 3.2%
Real estate and rental and leasing 14 3.0%
Accommodation and food services 14 3.0%
Arts, entertainment, and recreation 8 1.7%
Agriculture, forestry, fishing and hunting 4 0.8%
Information 3 0.6%
Educational services 3 0.6%

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 46528 vs 46507 →

ZIP 46528 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 46528 ranks #2 by population - useful context the national average alone can't give.

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

ZIP 46528 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 46528 ranks #5 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
46507 Bristol, IN 9,128 8.1 mi
46526 Goshen, IN 30,671 6.2 mi
46540 Middlebury, IN 11,702 6.6 mi
46543 Millersburg, IN 3,654 7.6 mi
46553 New Paris, IN 3,428 9.3 mi

More ZIP Codes in Elkhart County

46514 standard
Elkhart, IN
Pop: 40,263
46516 standard
Elkhart, IN
Pop: 33,501
46526 standard
Goshen, IN
Pop: 30,671
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 Goshen, IN Indiana

Frequently Asked Questions

What county is ZIP code 46528 in? ▼
ZIP code 46528 (Goshen) 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 46528? ▼
ZIP code 46528 in Goshen, IN has a population of 26,104 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46528? ▼
The median household income in ZIP 46528 is $81,529, which is 7% above the national average of $76,288.
What is the average home value in ZIP 46528? ▼
The median home value in ZIP 46528 is $247,600, which is 11% below the national average of $278,155.
What is the demographic makeup of ZIP 46528? ▼
The largest racial group in ZIP 46528 is White at 79.5%. Hispanic or Latino residents make up 21.7% of the population.
How many businesses are in ZIP code 46528? ▼
ZIP code 46528 has 471 business establishments employing approximately 8,799 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46528? ▼
The top industries by establishment count in ZIP 46528 are: Construction (83), Manufacturing (73), Other services (except public administration) (64). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 46528? ▼
According to the FHFA House Price Index, home values in ZIP 46528 increased by 0.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 111%. 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 46528? ▼
In ZIP code 46528, 54.7% of residents aged 25+ have a high school diploma or higher, and 23.3% 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 46528? ▼
The mean commute time for workers in ZIP code 46528 is 17.9 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 46528? ▼
In ZIP code 46528, approximately 80.3% of occupied housing units are owner-occupied and 19.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46528? ▼
The poverty rate in ZIP code 46528 is 10.9% 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.