PlainZIP

Mishawaka, IN · standard

ZIP Code 46545

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

25,082
543/sq mi
$56,865
Median income
$177,900
Median home value
32.5%
Bachelor's or higher

The verdict

Mishawaka pairs one of the lowest household incomes in the country with below-median home values, in a low-density, mixed-tenure area.

24th pct
household income, US ZIPs
37th pct
home value, US ZIPs
543
people per sq mi
53%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46545 against every reporting US ZIP.

ZIP code 46545 is a densely settled ZIP (a standard USPS delivery area) in Mishawaka, St. Joseph County, Indiana, with 25,082 residents across 46.2 square miles, a density of 543 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46545 reports a modest median household income of $56,865 (23% below the Indiana average), while per-capita income is $34,307. 14.3% of residents live below the poverty line, and the unemployment rate reads 4.9%. Housing costs here run $177,900 for a typical home value (8% below the state average), with rent averaging $1,027 a month; 52.7% of homes are owner-occupied.

A solid share of residents have a four-year degree: 32.5% of adults hold a bachelor's degree or higher, the median age is 38.3, and the average commute is 20 minutes. To put 46545 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in St. Joseph County, for a geography-aware comparison.

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 46545

Top 5 sectors by establishment count in Mishawaka, IN

Which industries have the most business establishments in ZIP 46545.

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 46545, 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

25,082

Population

46.2

Area (sq mi)

543

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 46545?

38.3

Median Age

46.3%

Male

53.7%

Female

9.1%

Foreign-Born

White 77.5%
African American 8.8%
Asian 2.9%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.3%
Two or More Ethnicities 9.2%
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?

$56,865

Median Household Income

-23% vs state

$34,307

Per Capita Income

14.3%

Poverty Rate

4.9%

Unemployment Rate

20.4 min

Mean Commute Time

How ZIP 46545 ranks nationally

Mishawaka, IN household income vs. every US ZIP code

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

$56,865 24th percentile higher than 24% 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 61.5%
Bachelor's Degree or Higher 32.5%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

12,983

Total Housing Units

11,878

Occupied Units

1,105

Vacant Units

2.18

Avg Household Size

Occupancy Type

Owner 52.7%
Renter 47.3%

$177,900

Median Home Value

-8% vs state

$1,027

Median Rent

1975

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

+8.1%

YoY Change (2024)

233

HPI Index (2000 = 100)

+133%

Total Change Since 2000

Home values in ZIP 46545 have increased 8.1% over the past year (2024). Since 2000, this ZIP has seen +133% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.5% 152
2021 +15.8% 175
2022 +12.2% 197
2023 +9.4% 216
2024 +8.1% 233

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 1,118 business establishments in ZIP 46545, employing approximately 24,030 people with a combined annual payroll of $1,145,112,000.

1,118

Businesses

24,030

Employees

$1.1B

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Retail trade 267 23.9%
Health care and social assistance 151 13.5%
Accommodation and food services 140 12.5%
Finance and insurance 83 7.4%
Other services (except public administration) 82 7.3%
Construction 63 5.6%
Real estate and rental and leasing 56 5.0%
Manufacturing 54 4.8%
Professional, scientific, and technical services 53 4.7%
Wholesale trade 48 4.3%
Administrative and support and waste management and remediation services 41 3.7%
Information 19 1.7%
Transportation and warehousing 17 1.5%
Educational services 15 1.3%
Arts, entertainment, and recreation 14 1.3%
Management of companies and enterprises 12 1.1%

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 46545 vs 46530 →

ZIP 46545 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 46545 ranks #3 by population - useful context the national average alone can't give.

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

ZIP 46545 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 46545 ranks #9 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
46530 Granger, IN 30,614 3.4 mi
46615 South Bend, IN 14,609 3.6 mi
46544 Mishawaka, IN 30,759 5.3 mi
46635 South Bend, IN 6,654 3.5 mi
46617 South Bend, IN 9,601 4.6 mi
46561 Osceola, IN 13,343 4.2 mi
46556 Notre Dame, IN 7,314 5.5 mi
46616 South Bend, IN 5,667 6.2 mi
46601 South Bend, IN 6,090 5.7 mi
46637 South Bend, IN 15,314 5.7 mi

More ZIP Codes in St. Joseph County

46544 standard
Mishawaka, IN
Pop: 30,759
46530 standard
Granger, IN
Pop: 30,614
46614 standard
South Bend, IN
Pop: 29,573
46628 standard
South Bend, IN
Pop: 25,650
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 46545 in? ▼
ZIP code 46545 (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 46545? ▼
ZIP code 46545 in Mishawaka, IN has a population of 25,082 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46545? ▼
The median household income in ZIP 46545 is $56,865, which is 25% below the national average of $76,288.
What is the average home value in ZIP 46545? ▼
The median home value in ZIP 46545 is $177,900, which is 36% below the national average of $278,155.
What is the demographic makeup of ZIP 46545? ▼
The largest racial group in ZIP 46545 is White at 77.5%. Hispanic or Latino residents make up 5.4% of the population.
How many businesses are in ZIP code 46545? ▼
ZIP code 46545 has 1,118 business establishments employing approximately 24,030 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46545? ▼
The top industries by establishment count in ZIP 46545 are: Retail trade (267), Health care and social assistance (151), Accommodation and food services (140). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 46545? ▼
According to the FHFA House Price Index, home values in ZIP 46545 increased by 8.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 133%. 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 46545? ▼
In ZIP code 46545, 61.5% of residents aged 25+ have a high school diploma or higher, and 32.5% 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 46545? ▼
The mean commute time for workers in ZIP code 46545 is 20.4 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 46545? ▼
In ZIP code 46545, approximately 52.7% of occupied housing units are owner-occupied and 47.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46545? ▼
The poverty rate in ZIP code 46545 is 14.3% 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.