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 High-density area
- $81,529
- Median income Near-median income area
- $247,600
- Median home value Near-median home value
- 23.3%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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 average Indiana ZIP), while per-capita income is $33,525. The poverty rate is 10.9%, with unemployment at 3.6%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $247,600 (28% above the average Indiana ZIP), while 80.3% of occupied homes are owner-occupied and median rent is $1,051.
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. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in Elkhart County, so 46528 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 46528
Top 5 sectors by establishment count in Goshen, IN
Which industries have the most business establishments in ZIP 46528.
- Construction
Construction
83 establishments
- Manufacturing
Manufacturing
73 establishments
- Other services (except public administration)
Other services (except public administration)
64 establishments
- Retail trade
Retail trade
38 establishments
- Health care and social assistance
Health care and social assistance
37 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 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
Who lives in ZIP 46528?
32.2
Median Age
49.7%
Male
50.3%
Female
8.6%
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?
$81,529
Median Household Income
+11% vs state ZIP avg
$33,525
Per Capita Income
10.9%
Poverty Rate
3.6%
Unemployment Rate
17.9 min
Mean Commute Time
How ZIP 46528 ranks among Indiana ZIPs
Goshen, IN household income vs. every Indiana ZIP code
Median household income among 721 reporting Indiana ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$81,529 Top 28% higher than 72% of 721 Indiana ZIPs
Each bar is a $20K-wide band; taller bars hold more Indiana 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
8,476housing units
8,476
Total Housing Units
7,880
Occupied Units
596
Vacant Units
3.29
Avg Household Size
Occupancy Type
$247,600
Median Home Value
+28% vs state ZIP avg
$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.
- 46526
Goshen (46526)
30,671 residents
- 46528
Goshen (46528)
26,104 residents
- 46540 11,702
Middlebury (46540)
11,702 residents
- 46507 9,128
Bristol (46507)
9,128 residents
- 46543 3,654
Millersburg (46543)
3,654 residents
- 46553 3,428
New Paris (46553)
3,428 residents
What this shows Among its immediate neighbors, ZIP 46528 ranks #2 by population - useful context the national average alone can't give.
ZIP 46528 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46543
Millersburg (46543)
$104,896 median income
- 46540
Middlebury (46540)
$96,615 median income
- 46553
New Paris (46553)
$89,417 median income
- 46507
Bristol (46507)
$82,683 median income
- 46528
Goshen (46528)
$81,529 median income
- 46526
Goshen (46526)
$67,461 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 46528, 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 (26,104 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 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.
Related
Take this with you
What to do with ZIP 46528's numbers, next.
- See how ZIP 46528 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Goshen, 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.