PlainZIP

Mishawaka, IN · standard

ZIP Code 46544

St. Joseph County, Indiana - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

30,759
296/sq mi
$58,829
Median income
$172,200
Median home value
26.8%
Bachelor's or higher

The verdict

Mishawaka pairs a below-median household income with below-median home values, in a low-density, homeowner-dominated area.

27th pct
household income, US ZIPs
35th pct
home value, US ZIPs
296
people per sq mi
64%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46544 against every reporting US ZIP.

ZIP code 46544 is a densely settled ZIP (a standard USPS delivery area) in Mishawaka, St. Joseph County, Indiana, with 30,759 residents across 103.8 square miles, a density of 296 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46544 reports a modest median household income of $58,829 (20% below the Indiana average), while per-capita income is $33,913. 15.5% of residents live below the poverty line, and the unemployment rate reads 7.1%. The typical home here is valued at $172,200 (11% below the state average); renters pay a median of $1,012 monthly, and 63.7% of units are owner-occupied.

Educational attainment sits below the national norm: 26.8% of adults hold a bachelor's degree or higher, the median age is 35.6, and the average commute is 21 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 46544, plus 6 more within St. Joseph County, give a clearer read than the national average alone.

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 46544

Top 5 sectors by establishment count in Mishawaka, IN

Which industries have the most business establishments in ZIP 46544.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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 46544, Mishawaka, 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

30,759

Population

103.8

Area (sq mi)

296

People / sq mi

Indiana/Indianapolis

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 46544?

35.6

Median Age

52.9%

Male

47.1%

Female

3.2%

Foreign-Born

White 78.8%
African American 9.9%
Asian 1.0%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.3%
Hispanic or Latino 5.4%

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

How ZIP 46544 ranks nationally

Mishawaka, IN household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$58,829 27th percentile higher than 27% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

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?

High School Graduate or Higher 61.6%
Bachelor's Degree or Higher 26.8%

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

Owner 63.7%
Renter 36.3%

$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 46544 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 46544 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 46544 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 46544 ranks #7 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
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

46530 standard
Granger, IN
Pop: 30,614
46614 standard
South Bend, IN
Pop: 29,573
46628 standard
South Bend, IN
Pop: 25,650
46545 standard
Mishawaka, IN
Pop: 25,082
46619 standard
South Bend, IN
Pop: 21,408
46637 standard
South Bend, IN
Pop: 15,314

Related Areas

St. Joseph County Mishawaka, IN Indiana

Frequently Asked Questions

What county is ZIP code 46544 in? ▼
ZIP code 46544 (Mishawaka) 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 46544? ▼
ZIP code 46544 in Mishawaka, IN has a population of 30,759 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46544? ▼
The median household income in ZIP 46544 is $58,829, which is 23% below the national average of $76,288.
What is the average home value in ZIP 46544? ▼
The median home value in ZIP 46544 is $172,200, which is 38% below the national average of $278,155.
What is the demographic makeup of ZIP 46544? ▼
The largest racial group in ZIP 46544 is White at 78.8%. Hispanic or Latino residents make up 5.4% of the population.
How many businesses are in ZIP code 46544? ▼
ZIP code 46544 has 535 business establishments employing approximately 8,792 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46544? ▼
The top industries by establishment count in ZIP 46544 are: Accommodation and food services (73), Retail trade (68), Health care and social assistance (68). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 46544? ▼
According to the FHFA House Price Index, home values in ZIP 46544 increased by 7.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 129%. 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 46544? ▼
In ZIP code 46544, 61.6% of residents aged 25+ have a high school diploma or higher, and 26.8% 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 46544? ▼
The mean commute time for workers in ZIP code 46544 is 21.4 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 46544? ▼
In ZIP code 46544, approximately 63.7% of occupied housing units are owner-occupied and 36.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46544? ▼
The poverty rate in ZIP code 46544 is 15.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.