Residential delivery area · Indiana
ZIP Code 46540: Middlebury, IN
ZIP code 46540 uses the postal name Middlebury, Indiana and lies mostly in Elkhart County (85% of its land) with the rest in LaGrange County (Census 2020 ZIP-county file). About 13,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $96,615 (Census Bureau, ACS 2020-2024). By Census place, 7% of its land lies in Middlebury; 93% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Middlebury · its only residential ZIP
- County
- Elkhart County (85%); LaGrange County (15%)
- Census places
- Middlebury
- Metro area
- Elkhart-Goshen, IN
- House districts
- IN-2 (85%), IN-3 (15%) 119th Congress, by share of land
- State
- Indiana
- Time zone
- Eastern
- Land area
- 59.4 sq mi · 219 people per sq mi
Where is ZIP code 46540?
46540 centers on 41.672°, -85.697° and covers 59.4 square miles of land plus 0.5 of water. It borders 4 ZIP codes: 46565, 46528, 46507, 49099.
The map draws ZIP code areas only. For the streets inside 46540, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 46540 compare with the rest of Elkhart County?
| Measure | 46540 | In Elkhart County | In IN |
|---|---|---|---|
| People (ACS 2020-2024) | 12,993 | 8th of 16 | 181st of 807 |
| Median household income | $97k | 3rd of 16 | 51st of 478 |
| Median home value | $314k | 2nd of 16 | 49th of 509 |
Its median household income is higher than in 79% of U.S. residential ZIP codes, and it is denser than 64% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 46540?
The 2020 Census counted 12,552 people in 46540; the ACS, which samples households over 2020-2024, estimates 12,993. Between the 2010 and 2020 censuses its population grew 7.3% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 12,993
- 2020 Census count
- 12,552+7.3% since 2010 (11,702)
- Households
- 3,979
- Median age
- 32.1
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 46540?
Of the 12,993 people the ACS estimates in 46540, 31.9% are under 18 and 13.6% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (89.1%).
- Under 1831.9%
- 18 to 6454.4%
- 65 and older13.6%
- White, not Hispanic89.1%
- Hispanic or Latino5.1%
- Other or two or more3.2%
- Black, not Hispanic1.5%
- Asian, not Hispanic1.1%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 46540 earn?
Median household income is $96,615 (ACS 2020-2024), the 3rd highest of the 16 ranked ZIP codes in Elkhart County. It is not measurably different from 2015-2019 ($97,495 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $96,615±$11,060
- Income per person
- $37,768
- Below the poverty line
- 6.9%
- Unemployed (of the labor force)
- 2.3%
- Adults 25+ with a bachelor's degree
- 20.2%
- Adjusted gross income per tax return, 2022
- $96,4925,910 returns; wages 68% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 46540?
FHFA's house price index for 46540, built from repeat sales and appraisals of the same homes, rose 79% from 2015 to 2025 and rose 39% from 2020 to 2025, and moved −2.3% in 2025.
- Median home value (owners' estimate)
- $313,700
- Median gross rent
- $1,148
- Homes owned by their occupants
- 84.7%
- Housing units
- 4,335
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 46540?
425 business establishments had a location in this ZIP code in 2023, 53 more than in 2018; the most are in manufacturing (ZIP Code Business Patterns).
- Manufacturing84
- Construction67
- Retail trade64
- Other services (except public administration)39
- Accommodation and food services29
- Wholesale trade26
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 46540?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 46565 | Shipshewana | 9,014 | $96k | 6.0 mi |
| 46528 | Goshen | 26,248 | $82k | 6.7 mi |
| 46507 | Bristol | 9,991 | $83k | 7.0 mi |
| 49099 | White Pigeon, MI | 5,942 | $70k | 8.5 mi |
| 46543 | Millersburg | 4,741 | $105k | 9.6 mi (near) |
| 46571 | Topeka | 6,315 | $86k | 10.6 mi (near) |
| 49130 | Union, MI | 1,258 | $77k | 11.0 mi (near) |
| 46526 | Goshen | 33,668 | $68k | 12.1 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.