Granger, IN · standard
ZIP Code 46530
St. Joseph County, Indiana - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 30,614
- 475/sq mi High-density area
- $122,129
- Median income Above-median income area
- $345,400
- Median home value Above-median home value
- 56.0%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Granger pairs a top-decile household income with above-median home values, in a low-density, homeowner-dominated area.
- Top 9%
- household income, US ZIPs
- Top 27%
- home value, US ZIPs
- 475
- people per sq mi
- 84%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46530 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 46530 (Granger, IN) rose +3.4% from 2023 to 2024. The all-transactions index moved from 209.9 in 2023 to 217.1 in 2024 (2000 = 100).
ZIP code 46530 is a densely settled ZIP (a standard USPS delivery area) in Granger, St. Joseph County, Indiana, with 30,614 residents across 64.5 square miles, a density of 475 people per square mile, in the Detroit time zone.
ZIP 46530 skews affluent, with a median household income of $122,129 (66% above the average Indiana ZIP), while per-capita income is $60,301. The poverty rate is 5.2%, with unemployment at 4.0%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $345,400 (78% above the average Indiana ZIP), while 84.4% of occupied homes are owner-occupied and median rent is $1,754.
This is a highly-educated ZIP: 56.0% of adults hold a bachelor's degree or higher, the median age is 39.8, and the average commute is 23 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in St. Joseph County, so 46530 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 46530
Top 5 sectors by establishment count in Granger, IN
Which industries have the most business establishments in ZIP 46530.
- Retail trade
Retail trade
92 establishments
- Health care and social assistance
Health care and social assistance
83 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
68 establishments
- Other services (except public administration)
Other services (except public administration)
68 establishments
- Construction
Construction
67 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 46530, Granger, 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
30,614
Population
64.5
Area (sq mi)
475
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 46530?
39.8
Median Age
49.9%
Male
50.1%
Female
8.7%
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?
$122,129
Median Household Income
+66% vs state ZIP avg
$60,301
Per Capita Income
5.2%
Poverty Rate
4.0%
Unemployment Rate
22.6 min
Mean Commute Time
How ZIP 46530 ranks nationally
Granger, IN household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$122,129 Top 9% higher than 91% 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
11,994housing units
11,994
Total Housing Units
11,505
Occupied Units
489
Vacant Units
2.73
Avg Household Size
Occupancy Type
$345,400
Median Home Value
+78% vs state ZIP avg
$1,754
Median Rent
1991
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
+3.4%
YoY Change (2024)
217
HPI Index (2000 = 100)
+117%
Total Change Since 2000
Home values in ZIP 46530 have increased 3.4% over the past year (2024). Since 2000, this ZIP has seen +117% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.4% | 151 |
| 2021 | +11.3% | 168 |
| 2022 | +18.0% | 199 |
| 2023 | +5.6% | 210 |
| 2024 | +3.4% | 217 |
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 637 business establishments in ZIP 46530, employing approximately 6,826 people with a combined annual payroll of $289,079,000.
637
Businesses
6,826
Employees
$289.1M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 92 | 14.4% |
| Health care and social assistance | 83 | 13.0% |
| Professional, scientific, and technical services | 68 | 10.7% |
| Other services (except public administration) | 68 | 10.7% |
| Construction | 67 | 10.5% |
| Accommodation and food services | 57 | 8.9% |
| Finance and insurance | 37 | 5.8% |
| Wholesale trade | 34 | 5.3% |
| Administrative and support and waste management and remediation services | 34 | 5.3% |
| Real estate and rental and leasing | 26 | 4.1% |
| Manufacturing | 21 | 3.3% |
| Arts, entertainment, and recreation | 17 | 2.7% |
| Transportation and warehousing | 10 | 1.6% |
| Educational services | 9 | 1.4% |
| Information | 8 | 1.3% |
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 46530 vs 46545 →
ZIP 46530 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46544
Mishawaka (46544)
30,759 residents
- 46530
Granger (46530)
30,614 residents
- 46545
Mishawaka (46545)
25,082 residents
- 46637
South Bend (46637)
15,314 residents
- 46615
South Bend (46615)
14,609 residents
- 46561
Osceola (46561)
13,343 residents
- 49112 10,171
Edwardsburg (49112)
10,171 residents
- 46617 9,601
South Bend (46617)
9,601 residents
- 46556 7,314
Notre Dame (46556)
7,314 residents
What this shows Among its immediate neighbors, ZIP 46530 ranks #2 by population - useful context the national average alone can't give.
ZIP 46530 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46530
Granger (46530)
$122,129 median income
- 46561
Osceola (46561)
$91,711 median income
- 46635
South Bend (46635)
$81,944 median income
- 46617
South Bend (46617)
$74,186 median income
- 46637
South Bend (46637)
$71,462 median income
- 46615
South Bend (46615)
$62,964 median income
- 49112
Edwardsburg (49112)
$61,785 median income
- 46544
Mishawaka (46544)
$58,829 median income
- 46616
South Bend (46616)
$58,537 median income
What this shows By household income, ZIP 46530 ranks the highest of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 46545 | Mishawaka, IN | 25,082 | 3.4 mi |
| 46635 | South Bend, IN | 6,654 | 4.5 mi |
| 46637 | South Bend, IN | 15,314 | 5.9 mi |
| 46561 | Osceola, IN | 13,343 | 5.9 mi |
| 46544 | Mishawaka, IN | 30,759 | 8.5 mi |
| 46615 | South Bend, IN | 14,609 | 6.3 mi |
| 49112 | Edwardsburg, MI | 10,171 | 6.3 mi |
| 46556 | Notre Dame, IN | 7,314 | 6.8 mi |
| 46617 | South Bend, IN | 9,601 | 6.7 mi |
| 46616 | South Bend, IN | 5,667 | 7.7 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 46530, 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 (30,614 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in St. Joseph County
Related Areas
Frequently Asked Questions
What county is ZIP code 46530 in?
ZIP code 46530 (Granger) is located in St. Joseph County, Indiana. St. Joseph County contains multiple ZIP codes, see the full list at /counties/st-joseph-in.
What is the population of ZIP code 46530?
ZIP code 46530 in Granger, IN has a population of 30,614 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46530?
The median household income in ZIP 46530 is $122,129, which is 60% above the national average of $76,288.
What is the average home value in ZIP 46530?
The median home value in ZIP 46530 is $345,400, which is 24% above the national average of $278,155.
What is the demographic makeup of ZIP 46530?
The largest racial group in ZIP 46530 is White at 80.6%. Hispanic or Latino residents make up 6.5% of the population.
How many businesses are in ZIP code 46530?
ZIP code 46530 has 637 business establishments employing approximately 6,826 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46530?
The top industries by establishment count in ZIP 46530 are: Retail trade (92), Health care and social assistance (83), Professional, scientific, and technical services (68). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 46530?
According to the FHFA House Price Index, home values in ZIP 46530 increased by 3.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 117%. 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 46530?
In ZIP code 46530, 72.3% of residents aged 25+ have a high school diploma or higher, and 56.0% 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 46530?
The mean commute time for workers in ZIP code 46530 is 22.6 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 46530?
In ZIP code 46530, approximately 84.4% of occupied housing units are owner-occupied and 15.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46530?
The poverty rate in ZIP code 46530 is 5.2% 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 46530's numbers, next.
- See how ZIP 46530 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Granger, 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.