Residential delivery area · Indiana
ZIP Code 46544: Mishawaka, IN
ZIP code 46544 uses the postal name Mishawaka, Indiana and lies entirely in St. Joseph County (Census 2020 ZIP-county file). About 31,000 people live there (Census Bureau, ACS 2020-2024), the more populous of Mishawaka's 2 residential ZIP codes. Median household income is $58,829 (Census Bureau, ACS 2020-2024). By Census place, 22% of its land lies in Mishawaka; 78% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Mishawaka · 2 residential ZIPs
- County
- St. Joseph County
- Census places
- Mishawaka
- Metro area
- South Bend-Mishawaka, IN-MI
- House district
- IN-2 119th Congress
- State
- Indiana
- Time zone
- Eastern
- Land area
- 39.8 sq mi · 781 people per sq mi
- PO Box ZIPs
- 46546 also use the name Mishawaka
Where is ZIP code 46544?
46544 centers on 41.615°, -86.128° and covers 39.8 square miles of land plus 0.3 of water. It borders 8 ZIP codes: 46561, 46545, 46573, 46615, 46517, 46613, 46614, 46506.
The map draws ZIP code areas only. For the streets inside 46544, 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 46544 compare with the rest of Mishawaka?
| Measure | 46544 | In Mishawaka | In St. Joseph County | In IN |
|---|---|---|---|---|
| People (ACS 2020-2024) | 31,077 | 1st of 2 | 2nd of 24 | 60th of 807 |
| Median household income | $59k | 1st of 2 | 15th of 19 | 386th of 478 |
| Median home value | $172k | 2nd of 2 | 16th of 21 | 312th of 509 |
Its median household income is higher than in 27% of U.S. residential ZIP codes, and it is denser than 76% 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 46544?
The 2020 Census counted 31,571 people in 46544; the ACS, which samples households over 2020-2024, estimates 31,077. Between the 2010 and 2020 censuses its population grew 2.6% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 31,077
- 2020 Census count
- 31,571+2.6% since 2010 (30,759)
- Households
- 12,839
- Median age
- 35.6
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 46544?
Of the 31,077 people the ACS estimates in 46544, 23.7% are under 18 and 14.2% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (77.7%).
- Under 1823.7%
- 18 to 6462.1%
- 65 and older14.2%
- White, not Hispanic77.7%
- Black, not Hispanic9.5%
- Other or two or more6.5%
- Hispanic or Latino5.4%
- Asian, not Hispanic1.0%
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 46544 earn?
Median household income is $58,829 (ACS 2020-2024), the 15th highest of the 19 ranked ZIP codes in St. Joseph County. It is not measurably different from 2015-2019 ($60,269 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $58,829
- Income per person
- $33,913
- Below the poverty line
- 15.5%
- Unemployed (of the labor force)
- 7.1%
- Adults 25+ with a bachelor's degree
- 26.8%
- Adjusted gross income per tax return, 2022
- $61,68315,800 returns; wages 75% 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 46544?
FHFA's house price index for 46544, built from repeat sales and appraisals of the same homes, rose 105% from 2015 to 2025 and rose 59% from 2020 to 2025, and moved +3.2% in 2025.
- Median home value (owners' estimate)
- $172,200
- Median gross rent
- $1,012
- Homes owned by their occupants
- 63.7%
- Housing units
- 13,825
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 46544?
535 business establishments had a location in this ZIP code in 2023, 10 fewer than in 2018; the most are in accommodation and food services (ZIP Code Business Patterns).
- Accommodation and food services73
- Retail trade68
- Health care and social assistance68
- Other services (except public administration)58
- Construction45
- Manufacturing42
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 46544?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 46561 | Osceola | 13,996 | $92k | 4.6 mi |
| 46545 | Mishawaka | 26,606 | $57k | 5.5 mi |
| 46573 | Wakarusa | 3,936 | $86k | 5.8 mi |
| 46615 | South Bend | 14,190 | $63k | 5.9 mi |
| 46517 | Elkhart | 25,433 | $57k | 6.8 mi |
| 46613 | South Bend | 12,279 | $43k | 7.6 mi |
| 46614 | South Bend | 29,602 | $74k | 7.8 mi |
| 46506 | Bremen | 9,994 | $79k | 10.8 mi |
| 46595 | Wyatt | 0 | – | 6.4 mi (near) |
| 46617 | South Bend | 10,032 | $74k | 7.3 mi (near) |
| 46601 | South Bend | 4,800 | $31k | 7.5 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.