ZIP Code 46545
standardSource:
Mishawaka · St. Joseph County · Indiana
- Population
- 25,082
- Median income
- $56,865
- Median home value
- $177,900
- Bachelor's or higher
- 32.5%
- Land area
- 46.2 sq mi
543/sq mi
▼ 25% vs US
higher than 24% of US ZIPs
▼ 36% vs US
higher than 37% of US ZIPs
Median age 38.3
Indiana/Indianapolis
ZIP code 46545 in Mishawaka, Indiana has a population of 25,082. The median household income is $56,865, which is 25% below the national average. Median home value is $177,900, 36% below the US average. 32.5% of residents hold a bachelor's degree or higher.
ZIP code 46545 is classified by USPS as a standard delivery area and covers roughly 46.2 square miles in Mishawaka, St. Joseph County, Indiana. The area is home to 25,082 residents, producing a population density of 543 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 46545 against Indiana and the nation.
On the economic side, the median household income for ZIP 46545 sits at $56,865 (23% below the Indiana average), while per-capita income is $34,307. The poverty rate stands at 14.3% and the unemployment rate at 4.9%. On housing, the median home value is $177,900 (8% below the state average) with median rent at $1,027 per month, and 52.7% of occupied units are owner-occupied, a direct signal of whether 46545 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 32.5% of adults hold a bachelor's degree or higher, the median age is 38.3, and the average commute is 20 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing St. Joseph County, so you can benchmark 46545 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 46545
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 46545.
- Retail trade
Retail trade
267 establishments
- Health care and social assistance
Health care and social assistance
151 establishments
- Accommodation and food services
Accommodation and food services
140 establishments
- Finance and insurance 83
Finance and insurance
83 establishments
- Other services (except public administration) 82
Other services (except public administration)
82 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 46545, 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
25,082
Population
46.2
Area (sq mi)
543
People / sq mi
Indiana/Indianapolis
Time Zone
standard
ZIP Type
Who lives in ZIP 46545?
38.3
Median Age
46.3%
Male
53.7%
Female
9.1%
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?
$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
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?
12,983
Total Housing Units
11,878
Occupied Units
1,105
Vacant Units
2.18
Avg Household Size
Occupancy Type
$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 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
Related Areas
Frequently Asked Questions
What county is ZIP code 46545 in? ▼
What is the population of ZIP code 46545? ▼
What is the median household income in ZIP 46545? ▼
What is the average home value in ZIP 46545? ▼
What is the demographic makeup of ZIP 46545? ▼
How many businesses are in ZIP code 46545? ▼
What are the main industries in ZIP code 46545? ▼
How have home values changed in ZIP code 46545? ▼
What is the education level in ZIP code 46545? ▼
What is the average commute time in ZIP 46545? ▼
What percentage of residents own vs. rent in ZIP 46545? ▼
What is the poverty rate in ZIP code 46545? ▼
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.