ZIP Code 46544
standardSource:
Mishawaka · St. Joseph County · Indiana
- Population
- 30,759
- Median income
- $58,829
- Median home value
- $172,200
- Bachelor's or higher
- 26.8%
- Land area
- 103.8 sq mi
296/sq mi
▼ 23% vs US
higher than 27% of US ZIPs
▼ 38% vs US
higher than 35% of US ZIPs
Median age 35.6
Indiana/Indianapolis
ZIP code 46544 in Mishawaka, Indiana has a population of 30,759. The median household income is $58,829, which is 23% below the national average. Median home value is $172,200, 38% below the US average. 26.8% of residents hold a bachelor's degree or higher.
ZIP code 46544 is classified by USPS as a standard delivery area and covers roughly 103.8 square miles in Mishawaka, St. Joseph County, Indiana. The area is home to 30,759 residents, producing a population density of 296 people per square mile, and falls within the Indiana/Indianapolis time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 46544 against Indiana and the nation.
On the economic side, the median household income for ZIP 46544 sits at $58,829 (20% below the Indiana average), while per-capita income is $33,913. The poverty rate stands at 15.5% and the unemployment rate at 7.1%. On housing, the median home value is $172,200 (11% below the state average) with median rent at $1,012 per month, and 63.7% of occupied units are owner-occupied, a direct signal of whether 46544 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 26.8% of adults hold a bachelor's degree or higher, the median age is 35.6, and the average commute is 21 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing St. Joseph County, so you can benchmark 46544 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 46544
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 46544.
- Accommodation and food services
Accommodation and food services
73 establishments
- Retail trade
Retail trade
68 establishments
- Health care and social assistance
Health care and social assistance
68 establishments
- Other services (except public administration)
Other services (except public administration)
58 establishments
- Construction
Construction
45 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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 46544, Mishawaka, IN · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
30,759
Population
103.8
Area (sq mi)
296
People / sq mi
Indiana/Indianapolis
Time Zone
standard
ZIP Type
Who lives in ZIP 46544?
35.6
Median Age
52.9%
Male
47.1%
Female
3.2%
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?
$58,829
Median Household Income
-20% vs state
$33,913
Per Capita Income
15.5%
Poverty Rate
7.1%
Unemployment Rate
21.4 min
Mean Commute Time
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?
13,825
Total Housing Units
12,839
Occupied Units
986
Vacant Units
2.41
Avg Household Size
Occupancy Type
$172,200
Median Home Value
-11% vs state
$1,012
Median Rent
1970
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
+7.0%
YoY Change (2024)
229
HPI Index (2000 = 100)
+129%
Total Change Since 2000
Home values in ZIP 46544 have increased 7.0% over the past year (2024). Since 2000, this ZIP has seen +129% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.5% | 148 |
| 2021 | +12.0% | 166 |
| 2022 | +16.2% | 193 |
| 2023 | +11.0% | 214 |
| 2024 | +7.0% | 229 |
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 535 business establishments in ZIP 46544, employing approximately 8,792 people with a combined annual payroll of $426,154,000.
535
Businesses
8,792
Employees
$426.2M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Accommodation and food services | 73 | 13.6% |
| Retail trade | 68 | 12.7% |
| Health care and social assistance | 68 | 12.7% |
| Other services (except public administration) | 58 | 10.8% |
| Construction | 45 | 8.4% |
| Manufacturing | 42 | 7.8% |
| Professional, scientific, and technical services | 33 | 6.2% |
| Finance and insurance | 31 | 5.8% |
| Administrative and support and waste management and remediation services | 30 | 5.6% |
| Real estate and rental and leasing | 28 | 5.2% |
| Wholesale trade | 27 | 5.0% |
| Transportation and warehousing | 10 | 1.9% |
| Information | 10 | 1.9% |
| Arts, entertainment, and recreation | 5 | 0.9% |
| Educational services | 4 | 0.8% |
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 46544 vs 46545 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 46545 | Mishawaka, IN | 25,082 | 5.3 mi |
| 46561 | Osceola, IN | 13,343 | 4.6 mi |
| 46595 | Wyatt, IN | 163 | 6.4 mi |
| 46615 | South Bend, IN | 14,609 | 5.5 mi |
| 46530 | Granger, IN | 30,614 | 8.5 mi |
| 46517 | Elkhart, IN | 23,764 | 7.4 mi |
| 46614 | South Bend, IN | 29,573 | 7.3 mi |
| 46573 | Wakarusa, IN | 3,565 | 6.7 mi |
| 46613 | South Bend, IN | 10,893 | 6.7 mi |
| 46617 | South Bend, IN | 9,601 | 6.8 mi |
More ZIP Codes in St. Joseph County
Related Areas
Frequently Asked Questions
What county is ZIP code 46544 in? ▼
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How many businesses are in ZIP code 46544? ▼
What are the main industries in ZIP code 46544? ▼
How have home values changed in ZIP code 46544? ▼
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What is the average commute time in ZIP 46544? ▼
What percentage of residents own vs. rent in ZIP 46544? ▼
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ZIP Code Research Guides
Official Data Resources for Mishawaka, IN
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.